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

I am filing this complaint against Experian for their blatant and continuous violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and other applicable laws. Experian has willfully neglected its legal obligation to properly investigate disputes and update inaccurate information on my credit report, despite receiving sufficient documentation FOR OVER A YEAR! 

For accounts : XXXXXXXX XXXX XXXXXXXX : Account # XXXX XXXX XXXX : Account # XXXX I have submitted the following documents as evidence to resolve the issue : 1. A notarized FTC Identity Theft Report.

2. A notarized police report.

3. Copies of my government-issued identification.

4. Proof of address to verify my identity.

These documents were sent to Experian in compliance with their requirements. However, Experian has ignored or improperly handled my dispute, failed to provide adequate updates, and allowed inaccurate, damaging information to persist on my credit report.

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is actively suing Experian for repeated violations of consumer protection laws, which reinforces their pattern of negligence and disregard for consumers rights. Experian has not only caused significant harm to my financial standing but has also violated my rights to fair and accurate credit reporting.

If this issue is not resolved promptly, I am prepared to take legal action against Experian for : 1. Failing to correct errors on my credit report.

2. Neglecting their legal obligation to investigate disputes under the FCRA.

3. Inflicting harm and financial damages by allowing false information to persist.

This is a demand for immediate action. Experian must correct the inaccuracies on my credit report, provide documentation proving the completion of a thorough investigation, and comply with federal laws immediately. I will hold them accountable in court if they fail to take corrective measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over XXXX ( XXXX ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE SOL ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE SER ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.
Product: Credit reporting or other personal consumer reports

This Certified notice was sent to the party below, for chain, of documentary evidence XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, New Jersey XXXX SSN : XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Subject XXXX Dispute Under 15 USC 1681i ( 7 ) Request for Verification of Specific Accounts Dear TransUnion Dispute Department, I am writing to formally dispute several entries on my credit report that have been marked as 'verified as reported. ' Under 15 USC 1681i ( 7 ) of the Fair Credit Reporting Act, I am entitled to a prompt reinvestigation of any information disputed and to receive recent responses from each creditor or collection agency involved. I am requesting verification documentation to substantiate the accuracy of the following accounts : XXXX XXXX XXXX Verified as XXXX XXXX XXXX  Verified as Reported XXXX Verified as Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified as Reported XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Reported Please provide documentation and the recent responses from each of the above creditors and collection agencies indicating the specific methods and records used to verify the accuracy of these accounts on my credit report. I am entitled to a thorough reinvestigation and, as per 15 USC 1681i ( 7 ), request that I receive a response within 15 days.

If the information for any of these accounts can not be substantiated, I request immediate removal of the inaccurate or unverifiable information from my credit file. Your timely attention to this matter is appreciated, and I look forward to receiving a detailed response within the specified timeframe. 

Thank you for your cooperation. Notary : Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a credit alert about an inquiry on my credit report on XX/XX/XXXX. Additionally, I received a call from FNB Omaha Fraud department inquiring about a new account. 
When I called in, I was told someone opened an account at a XXXXXXXX XXXX XXXX XXXX with my information on XX/XX/XXXX. Name and address matched. Phone number and mother 's maiden name did NOT match. 
XXXX charges were made to the account same day - one inside XXXX 's and XXXX at XXXX XXXX 
FNB Omaha has already marked the charges as fraudulent and started an investigation, as well as closing the account and setting a Password on it. 
I was not given the exact amounts of the XXXX transactions. 
I am concerned as I was told that opening an account IN STORE requires an ID, not just my information.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect personal information such as my name and addresses. 
My name is or have never been the following : XXXX, XXXX, XXXX, XXXX I have never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is also reporting inaccurate accounts on my credit report - XXXX  and XXXX XXXX ; I have reached out to these companies and they have not responded to me. I'm trying figure out why is Experian reporting inaccurate information. These 2 accounts are not mine. 

Not to mention there are 15 inquiries that are not mine. Which tells me that someone has been trying to open accounts in my name. 

XXXX is reporting a XXXX account that does not belong to me. 

Please assist me with get this matter resolved. I need your help because Experian and XXXX along with the companies are not responding. I shouldn't be made to suffer something that I have no idea about.
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information on my credit report. The addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] listed do not belong to me. Non mailable address. Please investigate these inaccuracies and remove them from my record. 

Enclosed are copies of my identification and proof of residence for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I noticed a collection debt on my credit reports and I disputed it because I had no idea what it was for. I received the dispute status back from the credit reporting agency and was informed that the debt remained. I contacted the company Central Financial and was informed that it was a bill from when I was XXXX. I informed the representative that they should have billed the insurance and then my Health Savings account that I provided to them in the ambulance and at the hospital prior. Somehow either the original hospital I went to did n't forward the information or they did n't bother to request reimbursement from the savings account credit card but instead they just sent it to collections. I never received anything contrary to what the company is stating. They are completely lying about sending me anything to show what the debt is for and ca n't even explain why they did n't submit the balance to the credit card/HSA card that should be on file. When I explained to the girl that I was willing to make a payment and take care of this bill but that they needed to delete it from my credit reports in return she informed me that they would n't. I informed her that it gave me no incentive to pay for it then so unless they remove it from my credit report then I would n't pay it at all. It 's not causing me any issues right now because it 's the only negative on my report and due to them not billing it correctly in the beginning, I now have to deal with this. I am willing to pay this bill now if they would agree to delete it from all XXXX credit reports that they have sent it too, otherwise it will delete off my report in another 5 1/2 years and I wo n't be paying anything. I do n't have a job at this time so I do n't have an income to even pay this bill, but I am still willing to take care of it thru my HSA account to get it removed from my credit report. They have to give me something in return since this is due to the practices of both XXXX XXXX and Central Financial Control who have both been in trouble for their billing & collection practices. This bill was actually incurred supposedly during the same time period that they were fined for and I should have been notified of the lawsuit against them.
Product: Student loan

In XXXX, I was informed that because of my prior service in the military, if I pay {$5.00} per month for 12 months, the loan would be forgiven. I paid that {$5.00} per month until XX/XX/XXXX and never lost my federal refund or heard anything from them until XX/XX/XXXX when my federal income tax was taken. I finally received a payment/financial history on XX/XX/XXXX detailing how all funds paid were directed toward the interest and never to principal, including the taken tax refunds. The payments either was applied to interest or fees, leaving the principal to remain stagnant and collect more interest. This is about as dishonest as you can get and I am very disappointed that the same government that I was putting my life on the line to defend would show their appreciation by continuing to gouge and manipulate veterans.
Product: Debt collection

Portfolio Recovery has been contacting me every day and sometimes XXXX a day for over a year to collect a debt that belongs to my son. My son does not live in the same state and I have no contact with him. I have told them this, but they keep calling. Can I stop this harassment. This is not my debt.
Product: Credit card

According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX  or XXXX XXXX. 
The Bankruptcy Court has stated that they do not furnish information to third party agencies. 
I Am requesting to see what was used as proof to verify the alleged bankruptcy and if Transunion is unable to provide it, the bankruptcy must be deleted. Transunion must disclose the source of the information.. 
Transunion initially stated that XXXX was the furnisher of the information.Now that XXXX has stated that they have no public record on file, Transunion now alleges they got the information from XXXX XXXX is an online system that only lists the last four of any social on their siteI am now requesting the following : * Persons name that verified the dispute *Time of Communication * Documentation used to verify the dispute. 
- Pursuant to 15 usc 1681a- ( e ) e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

.

15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Thats 3 violations If 100 % proof and documentation from XXXX, The Bankruptcy Court, or XXXX Neighbor, Freinds, associate is not provided, Bankruptcy must be Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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
Product: Debt collection

I received a random phone call stating very random information. Upon calling back was threatened and yelled at to pay and told if I was lucky I would be offered a settlement but then was yelled at and hung up on by the person on the phone claiming to be XXXX  XXXX. Person never identified which company they work for. I am worried this is a scam and that my identity may have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT THE ONE THAT OPENED UP ACCOUNT XXXX THIS IS NOT ME THIS IS A FREQUENT ACCESS MY ACCOUNT AND MY INFO THIS IS SOOM ONE THAT GOT MY INFORMATION. 

KOHLS CAPONE IS NOT MY ACCT. 
XXXX THIS IS NOT ME. 
ONE HAS MY NAME AND ADDRESS. 

THIS SOOM ONE THAT GOT MY INFORMATION. XXXX WILL ACCT. # XXXX MY INFORMATION IS IN THE DARK WEB.
Product: Credit card

I have had transaction fraud with Capital One Spark Business for over XXXX years now. The first time this happened was in XXXX. They cancelled my credit card and gave me a new one- charging off my outstanding debt because it was not mine. I was a victim of transaction fraud that same year again so i called between XXXX and XXXX. I was given another credit card and the debt was charged off. I have been calling nonstop because i want answers with the outstanding debt. I called in XX/XX/XXXX, and they told me there was a fraud investigation that was taking place. That it would take approximately XXXX days to get an answer. I turned to a non-profit because i needed help, Capital One kept giving me the runaround. So a Housing Counselor called Capital one on my behalf today, XX/XX/XXXX. XXXX XXXX # : XXXX said that the fraud investigation would take approximately XXXX  days to complete and on the system, the fraud claim was placed on XX/XX/XXXX. They do not want to resolve my claim and this is affecting my credit score/report and also my ability to get any new types of credit. I have always paid on time and never exceed my limit.
Product: Credit reporting or other personal consumer reports

TRANSUNION, This email is a formal and urgent demand to overturn my recenXXXX XXXX XXXXl for the property located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Your actions are causing undue harm by relying on false, unverifiable information. Additionally, your practices of reporting or using negative information without my consent violate key legal protections, and I demand immediate correction. 

Important Laws You Are Violating 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : The FCRA requires that all information reported about consumers is accurate and verifiable. You are violating this by relying on incorrect information to deny my application. 
Under the FCRA, I have the right to opt out of the sharing of my information for unauthorized purposes, and you are ignoring this legal right. 
2. Consumer Protection Laws : These laws ensure that businesses, including rental screening services, do not engage in deceptive, dishonest, or harmful practices. Reporting or sharing negative information without valid authorization is deceptive and against my rights as a consumer. 
3. Fair Housing Act ( FHA ) ( 42 U.S.C. 3601-3619 ) : Any reliance on biased or incorrect screening data that results in housing denial could constitute discrimination or an unfair housing practice. 

What I Demand 1. Overturn the rental denial and reinstate my application immediately.

2. Provide written confirmation that no negative information has been or will be reported on my file.

3. Cease all information sharing or reporting immediately, as I explicitly opt out of this practice.

Your actions are not only dishonest but also harmful to my financial stability and personal well-being. This negligence is a direct violation of my rights under the laws outlined above.

I expect a response and written confirmation of compliance within 24 hours. Failure to comply will leave me with no choice but to take further legal action to protect my rights and address the harm caused. 

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

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following the Experian Lawsuit of them reporting misleading information and me not getting any notifications or updates about my report concerns me something fraudulent may have be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX University or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Bankruptcy 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the validity of the bankruptcy information being on my credit reports with TXXXX, Equifax and XXXX. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my credit score on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. Today XX/XX/2018 I received a letter from Equifax saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to Equifax and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.