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

Experian has violated The Fair Credit Reporting Act and has furnished information concerning me I did not authorize. According to the Fair Credit Reporting Act, there must be permissible purpose to furnish information on someone's credit report or written consent from the consumer. Experian has violated federal law and violated my rights. I asked them to verify where they received the information concerning me and they verified it came directly from the Bankruptcy courts. The United States Bankruptcy Court doesn't report to or validate bankruptcy filings with Experian or any credit agencies. Upon my research, I found out that a 3rd party gathered the information from https : //pacer.uscourts.gov/, sold the data directly to Experian and then Experian ( violating federal law ) furnished the bankruptcy data on my credit report without my consent or permissible purpose. The illegal method of credit reporting, and conduct of business between Experian and the 3rd party has caused me financial trouble. I have been unable to secure financing, a vehicle for my needs, and secure a roof over my head for myself and my son.
Product: Money transfer, virtual currency, or money service

The incident happened XX/XX/2022. I was trying to transfer money to a friend who have Wells Fargo account. My personal bank is with key bank, for that reason I took cash to Wells Fargo. The clerk took {$2500.00} cash then put it his drawer. Then he told me he can not transfer cash. It has to be check. So I gave him another {$2500.00} on check. He told me since he already put the cash in the drawer he will deposit it in my person account. I agreed then asked a receipt for both the check I gave him and the cash he said he will deposit back to my account. The clerk and manager gave me two receipt, but both of them were for the check. I checked my bank account after XXXX and the money hasnt deposited. I went back to the bank on XXXX 2022. The clerk and manger agreed that I gave them the cash. Then they told me to come back on Monday the XXXX hoping they will give me the money back. Unfortunately, the clerk first denied for even taking a cash from me. But then both the clerk and manager said yes u gave us cash but we gave you back after an hour of conversation. They have been changing their word so many time which I decide to record on my phone. I have that for evidence and the two identical receipt they gave me.
Product: Credit card or prepaid card

I have a dispute with XXXX, the car rental, and i brought it to my bank 's, wells fargo, attention, the money was returned and from the conversation we had it was my understanding that the dispute had been resloved. A few days go by and now my bank is over-charging the disupted amount to turn my account and charge me excessive fees. They have charged my account over by 300 $ and keep on doing it regardless of my repeated attempts to tell them otherwise
Product: Debt collection

My information was apart of the XXXX data breach, due to that breach I have a lot of accounts opened in my name that was not authorized by me. This resulted in bad credit reporting and paying fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXXXXXX XXXX XXXXXXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of erroneous reporting. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts, and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5300.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- XXXX XXXX -- -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$5300.00} XXXX XXXX Balance Owed XXXX {$5300.00} CITI XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXX -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$5500.00} XXXX  XXXX Balance XXXX : {$5300.00} XXXX XXXX XXXX Owed XXXX {$10000.00} XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On several occasions since XX/XX/2022, I have informed Experian Credit Bureau of the error on my report regarding a duplicate negative entry from XXXX XXXX that was paid in full. Experian, unlike the other 2 credit bureaus XXXX XXXX XXXX XXXX ), has refused to correct the error. Nor have they provided me with any information regarding the validity of this duplicate erroneous accountnor have they provided me with any substantiating information regarding what steps or efforts they have taken in regards to the several disputes I have requested for this account. They only provide me with a generic this account has been investigated. 

I believe that Experian is intentionally allowing erroneous entries to remain on consumers credit report in order to artificially deflate ones credit score for the sake of benefiting their clients ( corporations, landlords, financial institutions, etc ). This allows their clients to charge consumers higher interest rates, charge exorbitant rental deposits, or deny housing opportunities altogether. This appears to be a systemic problem with Experian and it is quite unfortunate for the underrepresented population who depends on the credit bureaus to exercise integrity when providing credit information to the bureaus corporate clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED BELOW IS A FRADULENT ACCOUNT- DOES NOT BELONG TO ME. TRANSUNION & THE CREDITOR/DATA FURNISHER HAVE REPEATEDLY FAILED TO VALIDATE & PROVIDE METHOD OF VERIFICATION AS REQUESTED SEVERAL TIMES. THIS IS A DIRECT VIOLATION OF MY FCRA CONSUMER RIGHTS AND I HEREBY DEMAND FOR THIS INFORMATION TO BE REMOVED FROM MY TRANSUNION CREDIT REPORT DUE TO THE AGENCY 'S INABILITY TO SUBSTANTIATE THEIR CLAIM THAT THE ACCOUNT BELOW BELONGS TO ME : XXXX XXXX |Acct No. XXXX|
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is listing an incorrect address. Someone is trying to open accounts in my name fradulently. Experian would not let me dispute the information online, and when I called they are closed. 


EXPERIAN has a New Address on your Credit Report. 
A company has updated the address listed on your credit report. 
ALERT DETAILS Alert Date XXXX XXXX, 2017 Source EXPERIAN Address XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Mortgage

We were exiting a COVID forbearance in XXXX, and we completed our three trial payments from XXXX, XXXX and XXXX. After that the default was not cured and our modification was not closed. We continued to make payments and have not fallen behind. However my modification is still not complete, 90 days after the trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was trying to get a SUV car, they did a lot of hard inquiries on my report XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these unauthorized inquiries were reported. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 16 USC 1681. XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 15 USC 1681 Section 602 A States : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other the records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX, received a consumer report from Experian and noticed fraudulent accounts that I didn't consent to nor give written instructions to furnish on my report pursuant to 15 USC 1681b ( a ) ( 2 ). The fraudulent account is inaccurate and have affected my creditworthiness. Pursuant to 15 USC 1681 ( 4 ), the fraudulent accounts are an invasion of my right to privacy.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a payment was made via Zelle at XXXX XXXXXXXX XXXX. The payment was for {$470.00} but was sent to a number with a XXXX digit error. That error allowed the money to be sent to a person that was not shown when I submitted the payment, the payment showed the correct person. I have all the information for that person and I told the dispute team of that information. Yet they reversed the charges ( {$470.00} ) initially but after an alleged investigation they have now denied that reversal and taken the funds from my account. I have screen shots of the woman who received the money, her XXXX, XXXX, XXXX, and I know where she works. I have her phone number ( obviously ) and left her a message, as well as sending messages via text, email, XXXX. 

From what I read this error in a phone number should be covered by regulation E. Yet I doubt seriously any real investigation took place since zelle can just say it was my mistake and not invest any serious time or money into the matter. And I am out the money XXXX woman who should not been allowed to receive it since it didn't match the woman 's name that the payment was intended for.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy and included the Discover personal loan that had a balance of approximately {$9000.00}. This was a consolidation loan I took out years before and was in good standing. The bankruptcy was dismissed in XX/XX/year>. 

I had not heard from anyone from this company and saw on one credit report this loan balance was closed, charged off. 
Last week I applied for a loa and learned this loan was closed, charged off but had also showed open. The loan office said just follow up with the number listed on XXXX ( only there ) and clarify the bankruptcy, charged off, etc. I called the number listed on the credit report and was advised that this loan had been sent to " XXXX '' agency and they were handling it. Discover loan staff said they weren't aware of the bankruptcy and advised me to share that with XXXX. 
I have contacted the number from XXXX approximately 11 times and am transferred at least 3 times each call to someone and on hold for extended periods of time. XXXX has limited hours and nothing outside of the normal business day hours. 
I was also told XXXX was not aware of the bankruptcy and requested I send the bankruptcy paperwork to them per email address and have my bankruptcy attorney contact them. I did send the information as requested, then followed up via email only to get a bounce back email saying my email address had been blocked. I called Discover number listed on the XXXX Credit Report back and explained what happened and that it was difficult to connect with the XXXX team related to limited hours and blocked email. I was told that was my only option and keep trying. I called XXXX again over my lunch and was again transferred 3 times/on hold for 14 minutes with no information provided as to how to resolve this. 
I did notify my bankruptcy attorney and they did provide the documentation to show Discover was notified of the bankruptcy. 
The loan is closed, charged off and there is no way to contact anyone, no resolution option or anyone available to talk to from this XXXXXXXX XXXX
Product: Checking or savings account

Dear CFPB! 
My bank closed my checking account and promised to send checks back to me in XXXX. The amount is XXXX . But I havent received it after three months. Every time I tried to reach out to the bank, the representative told me there was no update. 
This is very frustrating and confusing. Please look into my case and help me!
Product: Credit reporting or other personal consumer reports

Bank of America reported to chex system that there was suspicious activity with my account. that information is 100 % incorrect.. I was a victim of a payday loan scam. I cooperate and provided documents to Bank of America, the name of the person who who did the scam and activity. Nobody from Bank of America ever contacted me from my side of the story I had to contact them and provide documentation of who the person was and what company they came from and I was about that Bank of America reported negative and inaccurate information to check system and now I cant open a bank account anywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified today, XX/XX/2022 by XXXX XXXX via email that there were new inquiries on my XXXX report and XXXX report, so I immediately looked into this knowing these were not initiated by myself. Experian shows inquiries from the following companies, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX shows XXXX XXXX, XXXX XXXX, and XXXX XXXX. All of these inquiries appear to be 'Hard ' inquiries.
Product: Credit card

bank of america closed out my credit card due to a letter that was sent out by national debt relief program by accident. I went into bank of america to ask for help and how to get this matter resolved. the manager gave me the internal debt number and advised me to contact them directly and ask for help. so I called and the first representative explained all I needed to do was fax in the letter from national debt relief revoking their power of attorney off of my bank of america credit card account. i called back 2 more times just to confirm that this is the correct processed and they promised they will reverse my credit card account. I went out of my way and request for the letter that bank of america asked for and faxed it in to the internal dept. I then waited a few days and called them back to ensure they have received the letter. the representative that answered then stated that bank of america by policy can not help me reverse the account. I asked her why she kept giving me the run around and no answer. and then she stated that I was mislead by the other XXXX representative and they did n't know what they were talking about. I asked I called this one number that was given to me how can all XXXX agree with one solution and you are they only person that is denying me service. I am upset for being mislead and now my account which was not passed due is now in collection and hurting my credit report. I asked to speak to supervisor or manager she refused and kept putting me on hold. I asked for a number or complaint department she told me there is none. and that I would have to write a letter to the head quarters.
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 reporting, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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 disputed 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The XXXX stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.