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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX # XXXX - has violated my rights. 

15 U.S.C 1581B Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

DID I GIIVE YOU WRITTEN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT? 

FUTHER MORE THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a - Definitions ; rules of construction- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 I HAVE NOT GIVING XXXX, XXXX, EQUIFAX ANY WRITTIAN INSTRUCTION TO FURNISH THIS ACCOUNT ON MY CONSUMER REPORT. 

This Agency is in violation of 15 U.S.C 1681
Product: Debt collection

I have been trying to contact Convergent outsourcing collection agency for two month total to settle a debt. I have sent them 3 letters, two of a settlement for the debt and another For a verification of the debt. I have also submitted an online contact form ( the only way to email them ) and never gotten a response until yesterday ( XX/XX/2020 ) via phone. I tried contacting them to return the missed phone call and the phone Just rung for the operator. On XX/XX/2020 I finally was able to speak with a representative to pay the debt although I received no verification of my ownership after a written request. I paid to settle the debt on XX/XX/2020 and was told that I could not have a receipt emailed to me. I got no receipt for my payment. I am very displeased with the lack of response from this collection agency and because of that it took two unnecessary months to settle this un verified debt. I have certified mail receipts and copies of all letters that I will gather for further investigation
Product: Checking or savings account

Overdraft fees would be posted when I had the money in the account and they would take a long time to pay the companies.
Product: Credit reporting or other personal consumer reports

Opened XX/XX/2019 Amount {$580.00} The company put it on my account after I told them I had no knowledge I was living in another state
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I SENT THIS INFORMATION BEFORE I RECEIVED A LETTER DATED XX/XX/XXXX STATING THAT THEY NEED AN FTC WHICH WAS SENT PRIOR NOW I ALSO SPOKE TO XXXX WHO TOLD ME THERE WAS ANOTHER ACCOUNT ADDED WHICH WAS 'XXXX  ACCOUNT # XXXX THAT'S ALSO FRAUD BUT WASNT INCLUDED IN THE REPORT SENT TO ME ON XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Trying to refinance my house. In order to do that I have to pay off a Lowes credit card and when I call them they are unable to help me stating they cant find it in the system and are unable to help me. And I have also contacted the collection company it was moved to. So that card is holding me back from moving forward with the refinance.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XX/XX/XXXXAccount XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXX/XX/XXXXAccount XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account 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 take any consumer report containing any of the following items of information any other adverse Item of information, other than records of convictions of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I had a lexis nexis report sent to me. I found out that I have a bankruptcy inaccurately listed on my report. I disputed the report. They said it was accurate and received information from the circuit court. I contacted the circuit which I have emails and they stated they do not report to credit bureaus or creditors. They lied to me in writing and I would the bankruptcy removed from my report immediately and all credit bureaus notified of this error.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX concerning their failure to report my loan payment history as per their policy. My name is XXXX XXXX, and I am a customer of XXXX XXXX. My account number with XXXX XXXX is XXXX. 

According to the terms and conditions agreed upon at the initiation of my loan with XXXX XXXX, the company is obligated to report my loan status and payment history to the credit bureaus temporarily. However, despite adhering to the payment schedule and meeting all requirements, my loan history has not been updated or reported by XXXX XXXX. 

This lack of reporting is adversely affecting my credit profile, as my payment history is a crucial component of my creditworthiness. I have made numerous attempts to contact XXXX XXXX to resolve this issue, but there has been no satisfactory resolution. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in ensuring that XXXX XXXX fulfills its contractual obligation to report my loan payment history accurately and promptly. 

Thank you for your assistance in this matter. I look forward to your prompt response and resolution of this issue. 

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

Apparently there on my credit report looked at tonight on XXXX 2022 there is credit card JPMorgan credit card in my name mind u me and my father have same name I'm the XXXX he's the XXXX I am very upset that this is on my credit without my recollection and want to file fraud on this account would like to get it resolved
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2022 Action : The money transmitter closed my cash account
Product: Consumer Loan

I purchased a car in XXXX and had it financed threw nuvell. I paid on time until I got separated from my ex and he agreed to make my car payment instead of child support. He paid for XXXX months and in XXXX XXXX I came out and saw my car was gone. I called XXXX and they told me my car was under repo since it had not been paid on in months and it was just not in there system as picked up yet. I found on my credit that XXXX put the entire {$12000.00} loan as a charge off instead of a repo. I have tried for years to get this fixed and they will not do anything about the account. They also report a payment was made on XXXX/XXXX/XXXX but there was n't. They took the car XXXX/XXXX/XXXX. That would be XXXX months after it was taken. I paid {$15000.00} on the car when it was purchsed at {$12000.00}. I didnt still owe the {$12000.00}. They sold the car and will not post it as a repo and just put the amount I have supposedly left.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation Equifax dispute confirmation number XXXX Equifax dispute confirmation number XXXX Equifax dispute confirmation number XXXX Equifax dispute confirmation number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Equifax 's failure to conduct a proper and thorough investigation into disputed inquiries on my credit report. Since XX/XX/XXXX, I have submitted multiple disputes regarding seven inquiries appearing on my report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, include : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite accompanying my disputes with FTC reports and detailed letters, Equifax consistently closed the disputes as resolved within 24 hours, without a genuine investigation. A thorough investigation would have resulted in the immediate removal of these inquiries, especially considering the multiple disputes filed. 

Equifax 's actions constitute a violation of consumer protection laws and my right to a fair and accurate credit report. I have communicated these concerns directly to Equifax, highlighting their non-compliance with legal requirements. Unfortunately, my efforts have been met with disregard. 

As a result, I have filed a complaint with the XXXX XXXX XXXX  ( attached ) and am prepared to pursue legal action due to the significant harm these inaccuracies are causing me. 

This letter serves as my final attempt to resolve this issue amicably. I urge Equifax to immediately remove the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 look forward to your prompt intervention in this matter. 


XXXX  Complaint ID : XXXX
Product: Credit reporting or other personal consumer reports

Per FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681e ), On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I requested for Transunion to conduct a reasonable reinvestigation under their File Number XXXX regarding a debt account for XXXX XXXX XXXX in the amount of {$1300.00}. With my disputed, I provided all the necessary documents that included email correspondes, signed aagreement, and court order for Motion to Vacant Judgement to support my request to delete the negative, erroneous account from my credit report. I throughly explain and provided valid proof how the original creditor and debt collector violated a court ordered agreement, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 

A Transunion phone representive disclosed to me that their investigations are computer generated with a specific code that provide the investigations results are based on certain verbage from the consumer dispute. Moreover, the Notice of Determination for Transunion to confirm a reaonble investagation was conducted and the request for a written description of the procedure that I requested every time disputed were not fulfilled, which violated FCRA Sections 611 ( a ) ( 3 ) ( B ), 611 ( a ) ( 6 ) ( B ) ( iii ), and 611 ( a ) ( 1 ) ( A ). Per FCRA Section 611 ( a ) ( 5 ) ( A ), the account was not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is what's going on, it's really simple, Experian continues to be willfully non-compliant by reporting inaccurate addresses, experiences and transactions and an account with an alleged debt on my consumer report without my consent and I repeatedly told them not to! Congress says Experian is an elaborate mechanism pursuant to 15 U.S. Code 1681 ( 2 ), in which they ASSUMED a role of consumer reporting, pursuant to Congress 15 U.S. Code 1681 ( 3 ), it was not given to them. They are not in charge of my person, my nonpublic personal information nor my consumer report ; I am in charge and I determine what goes on my report and what comes off! I do not have a contract with this elaborate mechanism and I never gave this elaborate mechanism written permission to create a credit file on me in the first place. I do not have to prove myself to them or send them personal private documents of any kind for any reason. The federal Fair Credit Reporting Act ( FCRA ) protects information collected by consumer reporting agencies, they also promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These laws are here to protect the consumer, which is me, it doesnt say anything about protecting these elaborate mechanisms that falsely label themselves as The Credit Bureau XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. Experian agreed to a {$16.00} XXXX class action settlement for a data breach. They failed to protect consumer data. An unauthorized third party reportedly accessed the records of around 15 million people stored on Experians servers. 
They are in violation of several laws : 15 U.S. Code 1681 ( 4 ) says I have the right to privacy. 15 U.S. Code 1681b ( 2 ) ; they may furnish a consumer report under the following circumstances and no other and that would be in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions or permission to report addresses or any other information on my consumer report, where is the written instructions from me? They are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) ; the term consumer report does not include transactions or experiences. So why are there late payments, etc. on my consumer report if the law clearly says those things are not included on a consumer report? Violation of 15 U.S. Code 1681b ( e ) Election of consumer to be excluded from lists ; I have already made an election for names and addresses to be excluded and I do not consent to any use of a consumer report relating to me in connection with any credit or insurance transaction and here I am making it again. I opt out of having Experian report accounts, names and addresses on my consumer report.

If they continue to be willfully non compliant, I will invoke 15 U.S. Code 1681n for Reporting information after notice and confirmation of errors 15 U.S. Code 1681s2. See attachments.
Product: Checking or savings account

I stopped automatic payments from my checking account for my Synchrony credit card over six months ago with my bank XXXXXXXX XXXX  and also three times with Synchrony Bank!! Yet Synchrony has continued to debit my bank account after I stopped authorization for them to do so numerous times including today for {$510.00} which is more than half of the balance on the credit card!! It did not go through and wont be as there is no money in my account!! I also told them to CEASE and DESIST, which they also are not adhering to!! The bank contacted me by email to let me know about the debit through my alerts I set up!! I called XXXX to ask them why this ACH was allowed to go through from Synchrony Bank as I had already had them put a stop payment on the account in the past and also withdrew my authorization with Synchrony Bank! They said because I did not set the autopay up through them and instead did it on Synchrony Banks side that they can get around it and keep trying to take money and I would have to contact them to stop all, which I have already done three times, or they said they could freeze my account so no money could be withdrawn but only deposited but my direct deposit and other payments go in and out of it so I told them I would file a complaint with you instead and let you hand deliver the note to Synchrony Bank to STOP ALL ACH and AUTOPAYS from my account immediately and CEASE and DESIST!!!! I also want you to fine them for breaking the laws!!! Why are they not noting on their website and in all their credit card documentation that autopay set up for ACH can not be stopped? Their website clearly lets you start and stop them at will yet they claim they can not be stopped!! Liars and Crooks!!! I HATE lawbreakers and deceitful trash like these people!!! Make them alter all in their documentation and fine them or I will start a very large class action lawsuit and make them do so myself!!!
Product: Debt collection

Letters were sent to the collection company asking to verify the debt they claim belongs to me. I have received letters saying it 's a verifiable debt but when asked for proof they send me copies of a bill. I havent received anything shows by that I signed for or agreed to pay this debt nor have I received information letting me know that I am responsible for this debt. Every time I ask for this proof they re age the account on all XXXX of the credit bureaus with an updated ( current ) date.