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

L **Subject : Complaint and Dispute Against Experian and XXXX XXXX for Unauthorized Furnishing of Consumer Report Data** **To Whom It May Concern : ** I am writing to file a formal complaint against Experian and XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b regarding permissible purposes for obtaining consumer reports. 

**Details of the Complaint : ** 1. **Unauthorized Access and Use of Consumer Report Data : ** - XXXX XXXX furnished my private data to Experian without my express written consent. This is a direct violation of 15 U.S. Code 1681b, which mandates permissible purposes for accessing and using consumer report information. Neither Experian nor XXXX XXXX had my express written permission to furnish this data. 

2. **Lack of Due Diligence by XXXX XXXX : ** - XXXX XXXX has failed to demonstrate the detailed steps taken to ensure that my credit report was clear and accurate before furnishing the data to XXXX XXXX 

3. **Fraudulent Activities by XXXX XXXX : ** - XXXX XXXX has committed multiple fraudulent activities, including but not limited to : - Falsifying the validation of debt. 
- Falsely claiming that I signed an agreement with them. 
- Falsifying records of sending my statements in a timely manner. 
- Refusing to accept my tender. 

These actions constitute numerous federal crimes and have caused significant harm and distress. 

**Requested XXXX : ** XXXX. XXXX removal of any data furnished by XXXX XXXX from my consumer report. 
2. A thorough investigation into the unauthorized furnishing of my data. 
3. Appropriate penalties and corrective measures against Experian and XXXX XXXX for these violations. 
4. Written confirmation of the actions taken in response to this complaint. 

I am asserting my rights under the Fair Credit Reporting Act and demand that these violations be addressed promptly. Please consider this communication as formal notice of my intent to enforce my rights under the law. 

Thank you for your immediate attention to this matter. 

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

I have requested that XXXX and TransUinon preform a independent investigation with dispute on XXXX account XXXX. This account is being inconsistent reporting first date of delinquent by both credit bureaus and has been re-aged. Re-aged account is a violation of the XXXX. XXXX report XXXX is XX/XX/XXXX XXXX is reporting XX/XX/XXXX. XXXX report TransUinon is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX. XXXX report TransUinon is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX. There are different years, months and dates of first Delinquency on all three reports for each month This is inconsistent reporting by TransUnion and XXXX. This account account has been illegally re-aged which is a violation of the XXXX requirements. 

I have attached a copy of my credit reports as proof for the months showing the inconsistent reporting by the credit bureaus.
Product: Student loan

I filed a CFPB complaint earlier this year because Fed Loan Servicing changed my payment plan doubling my monthly payment when I had not requested a change. This dispute was resolved, but I recently found out that Fed Loan Servicing has taken away loan forgiveness credit for several payment that I made while employed as a public school teacher. I made three payments of XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which was almost double what I should have been paying due to their mistakes, but I was not given credit for Public Service Loan Forgiveness because Fed Loan retroactively and fraudulently changed the dates and amounts of the payments that I made. They also denied credit for other payments due to their " cooking of the books '' for lack of a better phrase. The payments reflected on their website in my account do not match the payments that they received from me through XXXX XXXX XXXX XXXX account details will be attached ). I want my public service loan credit. My account was not in any type of forbearance when I made these payments as their employee XXXX ( # XXXX ) says. Please look into this matter. Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I set up one ( XXXX ) $ XXXX transfer from my First Interstate savings account to my external US savings account. I received two separate emails from XXXX saying they received my request to transfer $ XXXX. I contacted XXXX saying I only authorized one transfer for $ XXXX. A few days later I got emails from XXXX  saying three ( 3 ) external transfers for $ XXXX each were completed on XX/XX/XXXX. I sent multiple secure messages to XXXX saying I did not authorize three separate transactions, only one. They responded saying my account showed three separate transactions that only I could have made. At no time have they ever answered my specific questions or believe me when I said I did not make three separate transactions on the same day for the same amount of money to and from the same accounts, they simply close out my ticket. I only authorized $ XXXX be transferred from my account not $ XXXX.
Product: Debt collection

LVNV funding LLC continue to be persistent in trying to obtain financing from me for a debt they bought and is unable to verify per the requirements of the FDCRA. I have written LVNV Funding LLC to cease and desist all communication and they refuse to honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent a letter on XX/XX/XXXX File # XXXX stating they will not delete inquiries on Consumer report. Consumer has a police report on file since XXXX and Transunion has confirmed but will not acknowledge police report stating the inquires will remain on Consumer report for 2 years. 

Transunion continues to fail to acknowledge they are the furnishers and is not reporting accurate information from identity theft. 

Violations 15 USC 1692k {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that a few accounts on my credit file be investigated by Equifax starting XX/XX/23. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. As of today, XX/XX/2023 I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Debt collection

I found out from a free credit report XXXX XXXX XXXX XXXX that a collection agency called Enhanced Recovery Company erroneously reported a debt of US {$350.00} that I 'owed ' to XXXX. This immediately caught my attention because I have never had a XXXX account. I called XXXX and reported that this was an error, to which they replied that they will investigate. I also called XXXX and gave them my social security number, and XXXX verified on the phone that they do not have any record of anyone with my social security number opening an account with them. I had informed XXXX of this as well, but later found out that XXXX 'investigated ' this issue and confirmed the 'debt '. 

I then contacted the collection agency, and the customer representative gave me the last XXXX digits of the social security number of the person who actually owed XXXX, and this was not my social security number. I was then informed by the customer representative that I will have to send a letter explaining the situation, and a copy of my ID and social security card to the collection agency for verification. 

I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

My parent plus student loan provider was recently changed by the US Department of Education from XXXX XXXX to XXXX. I did not request this change. The loan was transferred without my consent, apparently they can change providers as they deem appropriate. My score dropped XXXX points in one day due to the account being CLOSED. Ill get dinged again when the new lender reports a NEW account. This is not accurate reporting and the XXXX credit score model is obviously flawed. Im being penalized for a decision the US Government made for me ; or their loan servicing providers did. There has been no change in the amount due on the loan. It was a loan serviced change only. Not a closed or new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX in which I am reaching out to the CFPB pertaining to Transunion in not providing information found to validate debt in which a fraudulent account was opened in my name and charges were made on the credit card. The Credit Card company is XXXX XXXX XXXX  in which there were no payments made and immediately charged off. It took Transunion over 30 days to respond to my complaint under file # XXXX and I have been dealing with issues with transunion dating back to XXXX. Then I asked the bureau to send me validation of this debt from the company and how did they verify this information with their investigated procedures and they failed to disclose or respond and just stated that the account is verified as accurate. Which I 100 % know is falsified as this fraudulent account was removed from the other two credit bureaus Transunion just neglected to research this and this is substantially harming my credit and is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Department of education isn't reporting original loan amount of $ XXXX instead they are reporting the balance as the original loan amount. This is a installment loan and should reflect all loans and consolidations inclusive of the 43 loans that were recently consolidated from XXXX XXXX from XXXX to XXXX, before then it was XXXX XXXX, and XXXX  XXXX from XXXX. Those banks are missing from the report all together and it has not been 10 years since the activity of Consolidation.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered roughly one year ago that my identity had been compromised and fraudulent accounts were being opened in my name. I filed a police report and notified all three credit bureaus of the breach. I have written letters to Experian roughly 7 times asking that the fraudulent accounts be removed. Every time I submit a request I am notified that they are " looking into my dispute ''. They then come back and say that the companies have very the debt as accurate but have NEVER provided me an original contract with my signature, any identification I would have had to have submitted, or any proof that I opened and authorized these accounts. They are fraudulent, and should have been removed at first notification. The last letter that I sent was responded too with a letter saying they were going to do absolutely nothing, not even open a dispute or review my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Experian is violating the law because the discoverbank account # XXXX open dated XX/XX/XXXX is inaccurate, XXXX open dated on this same account is XX/XX/XXXX. I been disputing this account for inaccurate and it keeps coming back verified for months on XX/XX/XXXX, XXXX & XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these two accounts as they do not belong to me and are fraud. I have included the identity theft report. 

XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX in regards to unauthorized use of my credit report as well as unauthorized inquiries that have been placed on my credit report. 
The crazy thing is I have placed fraud alerts as well as a security freeze and paid membership with XXXX to add the extra layers of protection to prevent fraudulent activity on my consumer report. XXXX has failed me and is causing actual damages not only to me and my livelihood but as well as my kids. Due to the rules and regulations of their offered fraud alert and security freeze program gave me a peace of mind knowing I took extra measures and obtained the fraud alert and security freeze that it would lower the risk of me being an identity theft victim again. I know by having the freeze and fraud alert on my consumer report that if anyone would be applying for credit using my social the business would have to call me in the process and verify that it was me applying for credit before running my information. XXXX has failed me significantly they allowed me to become an identity theft victim again despite me having the fraud alert and security freeze. I have tried to dispute this on numerous occasions with them about these unauthorized inquiries and accounts on my report, they ignored me and stated that they cant do anything about it. How can XXXX have a paying member let down and not do anything when I took the preventative measures and had the protection of them when these accounts mysteriously popped up on my account while having their security freeze, fraud alert and their membership. I have sent them identity theft report, letters and called on numerous occassions about this. I strongly feel that the CFPB needs to sue XXXX first for not followng the FCRA and wrecklessy injuring consumers for lack of properly verifying, investigating and notifying consumers on how they get their information. 
I am requesting XXXX remove all unauthorized inquiries on my consumer report and unauthorized accounts. I am asking the CFPB to investigate and sue the XXXX out of XXXX for fraud and crimes they comitting and the violation of the FCRA. 
Please delete : 1. XXXX XXXX XXXX- account # XXXX 2. XXXX XXXX XXXX account # XXXX. 
Please delete : 1XXXX XXXX XXXX XXXX Inquiry date:XXXX 2. XXXX XXXX  XXXX XXXX Inquiry Date:XXXX 3. XXXX XXXXInquiry Date:XXXX XXXX XXXX XXXX- Inquiry date:XXXX  These are unauthorized please remove immediately and comply with FCRA which is also the rules XXXX suppose to abide by XXXX
Product: Credit reporting or other personal consumer reports

THIS IS A FOLLOW UP LETTER, Under federal law, you have 30 days to complete your investigation, it's been more than 30 days. 

On XXXX XXXX  I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.

Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

I saw XXXX XXXX XXXX, of XXXX XXXXXXXX XXXX. on XX/XX/2021. This was arranged by the Department of Veterans Affairs XXXX XXXX under the MISSION Act. The VA contacted the office and provided them with all the information on how and when to submit billing. The doctor was simply HORRID! And I did not return to her. The doctor I did follow-up with found many issues with my XXXX. 
XXXX XXXXXXXX did not properly or timely submit their bill to VA for payment but now has referred it to Waterfall Revenue Group, a collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXXaterfall has posted this to my credit reports.

All of these collection attempts are in direct violation of Federal Law under the MISSION Act.

I contacted Waterfall and they literally laughed. I provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care which was sent to the doctor, yet they refuse to remove the item from my credit report. I have also filed 2 disputes with XXXX and provided them with a copy of the VA Form XXXX - Approved Referral For Medical Care and they refuse to remove the post only noting that I dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. I explained to the XXXX  XXXX dispute representative that I had XXXX, lost a family friend and faced financial hardship losing my job due to the pandemic layoff and my personal condition. 
I even provided my positive XXXX tests to show that the times I had XXXX were in alignment with late payments. I also opened a credit card account with them with automatic payments set up so I could continue a more positive relationship with them. 

The XXXX XXXX & credit bureaus representatives told me if I provided a goodwill letter and supporting documents, then they would notify credit bureaus and remove it from my credit report. Unfortunately, this was not fulfilled and XXXX  XXXX continued to report a charge off/collection. Because of this, my credit scores were impacted negatively. Negatively impacting my credit score after an attempted dispute is a violation of my consumer rights.
Product: Bank account or service

CC payment of {$47.00} due XXXX/XXXX/16. Paid {$50.00} on XXXX/XXXX/16, the next official banking day. Assessed late fees of {$35.00} by bank. Called on XXXX/XXXX/16 to complain and late fees were reversed. However, bank maintains that I still owe {$82.00} ( {$47.00} + late fees ). I have been called on five separate occasions to request immediate payment and I refused. I have asked HSBC to stop the phone calls, but they still come. I am on XXXX and paying more than {$50.00} is a financial hardship.
Product: Credit reporting or other personal consumer reports

I summited a dispute to Experian and the replyed that the letters didn't come from me and refuse to correct the errors on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to record # XXXX. This is a complaint I initiated but the system requiring supporting documentation is giving me an error ( a very common issue with Equifax items when reporting mysterious inaccuracies ) This has been occurring for over a year to no avail.
Product: Credit reporting or other personal consumer reports

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

I do not recognize/ authorized these accounts. i have demanded that they should be removed. but no response from the credit reporting agencies. 
On my Credit Report, i found out i have Multiple Fictious Names - Multiple Fictious Addresses- Inaccurate date of birth, etc. 
Attached to this letter is a copy of my ID Card and my Energy Bill. 

I here by request that these items/ accounts be removed from my credit report. 

Account name : XXXX XXXX - # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  - # XXXX, Account name : XXXX  - # XXXX, Account name : XXXX XXXX - # XXXX, Account name : XXXX - # XXXX, Account name : XXXX XXXX  - # XXXX, Please block and remove all information from my credit report and send me an updated copy of the credit 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.

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. 


I will very much appreciate your soonest response. 
Because unknown to me, these items have negatively affected my credit for some time. Thank you. 

Sincerely, XXXX XXXX XXXX