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

Despite my exhaustive efforts to resolve this matter, Experian continues to report inaccurate information on my credit report, resulting in substantial harm to my financial standing and well-being. I have sent multiple letters, with certified mail receipts attached and marked as Experian C, and have lodged several formal complaints through the CFPB portal, referenced by the case numbers provided below. However, Experian has repeatedly and improperly responded by claiming to have " verified '' the account in question.

This response is both unnecessary and legally insufficient. The account in question contains severe inaccuracies that constitute clear violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Experian is obligated to delete inaccurate information from a consumers file. By failing to do so, Experian is in direct violation of federal law and is perpetuating the harm caused by these inaccuracies.

Previous cases, where the company failed to take corrective action, are listed below : XXXX XXXX XXXX I hereby present a formal notice regarding the inaccuracies reported by Experian, which are wholly unrelated to any account verification processes that Experian has improperly and repeatedly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As evidenced by the attached document marked XXXX XXXX Reporting updates, Experian has been unlawfully updating a charged-off account on a monthly basis. This practice not only perpetuates inaccuracies in my credit report but also constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and integrity of information furnished to consumer reporting agencies. 
2. Inconsistent Reporting Across Credit Agencies : The attached document, marked Chase Reporting Differences, clearly demonstrates significant discrepancies in the reporting of the same account by Experian, XXXX, and XXXX. Inconsistencies such as differing Date Last Active and Last Reported entries across these agencies are blatant violations of federal law under the FCRA. These discrepancies undermine the accuracy of my credit report and are in violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experians continued failure to address and rectify these inaccuracies is not only legally indefensible but also constitutes grounds for legal action. I hereby demand the immediate deletion of this inaccurate account from my credit report. Should Experian fail to comply with this demand, I will pursue all available legal remedies to protect my rights, including filing a lawsuit for statutory damages, actual damages, and legal fees under the FCRA.
Product: Mortgage

Ever since I did my home modification with this finance institution its been problem after problem. 
1. After settled and signed loan documents with a fixed %, the account manager called me that they made a mistake on the calculations and now they have to increase the %. At that time I accepted, I did n't know that was illegal. 
2. I shopped around for insurance, do my inspection. The escrow department decided that my house was not house and I did n't need the insurance. But, no one tell me that. I had a claim on XXXX 2015 called an adjuster, and they told me that I did n't insurance. 
I called the bank, and after many calls they handled the claim through their insurance. 
3. The insurance finally paid. I summited that an estimate from my General Contractor, they sent a check for XXXX % of the estimate. Later when the job was almost done they sent an inspector that took 3 weeks to get back to the bank to said now that I have only completed XXXX % of the work. The problem is that I lost track of many calls and emails send in order to get the result of this inspection, and now they come and say this. This is unacceptable. 
Last Thursday after many calls with them I got into a crash, XXXX. XXXX. 
This has affected me in so many ways, health, economy, etc. 
I hope you can help or help other customer. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting or other personal consumer reports

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

Experian keeps charging my credit card every month for credit monitoring but I try and try to cancel and it wont let me. They say you dont have a membership. Have spent hours on the phone, called every number they have listed, emailed them, and I still cant get through to anyone as they have you enter in your information over and over only to end with you dont have a membership. I tried canceling long ago. But my credit card is being charged every month!! If I dont have a membership then why are they charging my card??? And why wont they let you cancel this crud online, especially when you cant get through to them on the phone.
Product: Checking or savings account

I opened a checking account with Bank of America in XXXX and the bank issued me XXXX credit cards for the same account. On XX/XX/XXXX, these credit cards went missing, and they were reported stolen on XX/XX/XXXX. The individuals who stole them changed my log-in info., mailing address, phone number and e-mail. I then proceded to file a fruad claim. On XX/XX/XXXX, I called BofA to see if I could cancel my checking account, and I noticed there was a balance of {$1000.00}. I called the XXXX Department because there was a {$100.00} past due. I re-opened the claim of fraud. On XX/XX/XXXX at XXXX because I found the credit cards that were issued to me in my truck, and they were never activated. On XX/XX/XXXX, I called BofA and they said the claim can take up to 45 days to and they told me to call them after XX/XX/XXXX. I wanted to check how my claim was going, so I tried longging in on line, but my information was changed again. I called BofA, and was told to go to a branch to get this fixed, so I went to the location on XXXX XXXX in XXXX, CA. There, I talked to XXXX and she told me to call the XXXX Department again. I could have called from home. Nothing got done -- the scamers kept on changing my personal info. in seconds, and I was still at the bank. I'm thinking it's someone that works for BofA... I told the branch XXXX there to cancel my cards, but they were never canceled. On XX/XX/XXXX, I reopened the case. On XX/XX/XXXX, I called the BofA at XXXX to find out what was happening with the fraud claim filed on XX/XX/XXXX. There was no update because, according to them, there wasn't sufficien information.
Product: Credit card or prepaid card

SYNCB/XXXX XXXX  XXXX XXXX HAS A BALANCE THAT IS VERY OLD ON MY CREDIT REPORT, I BELIEVE IT WAS RESOLVED AND SHOULD NO LONGER BE ON MY REPORT.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXXCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

JPMCB CARD XX/XX/2008
Product: Student loan

At the start of 2024 I decided to try XXXX  to learn XXXX. I worked with Climb Credit to get a loan for a XXXX XXXX that I felt I wasnt learning from. I was under the impression that I would learning XXXX  XXXX  that would get me job ready, and the course ended up being about how to acquire a job in the XXXX XXXX I started in XXXX of 2024, taking on a loan of and by the start of XXXX I was trying to get out. Needless to say this wasnt the course I was looking for, nor what I was assured it would be. Climb had told me that if it didnt work out in the first few months I could get reduced rates on my loan. When I put in my resignation from the course, the school kept me on their course lists. I applied to quit multiple times. When I was finally able to get out of the course, I applied to get my reduced loan through Climb. They took no time took evaluate my situation and deemed that I didnt qualify for reduced loans and that Id need to pay to the tune of {$14000.00} for the month and a half of schooling I had. Ever since Id been trying to pay back my loan. The amount I owe only ever seems to go up no matter how much I pay in a month.
Product: Debt collection

I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.
Product: Debt collection

I owed a credit card debt to Citibank for around {$1300.00} including late fees. This happened during the pandemic. It ended up going to a collection agency. For some reason they put the debt at around {$1800.00}. Every time I would report the amount incorrect, they would claim it was and add on another XXXX XXXX dollars. Or if they noticed my credit rising, they would post the debt with a fresh date. Thereby they effectively kept my credit around the upper XXXX lowers XXXX. In XXXX of 2023  Citibank sent me a check, which the letter I still have. They said credit was due to my account, an obvious admission of the original amount of the debt being incorrect. During this time the collection agency XXXX XXXX sued me. I had no clue because I never received a subpoena, thereby they won by default cause I had no notification of any court date or case. I was left with $ XXXX {$600.00} checks biweekly. Whatever check the judge looked at had overtime, holiday pay, and I was temporarily exempt from taxes. They claimed I make almost {$2000.00} biweekly which is false. They were able to rip a large amount from my checks. I had to withdraw my XXXX to prevent eviction. Also, even though they have received the money through garnishment, they still have the debt posted on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in response to Experian, I XXXX XXXX XXXX am a victim of identity theft and I did send in this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, I am distressed to to bring to your attention the action that have taken place with Equifax. Their inaccurate and misleading credit reporting has negatively impacted my ability to obtain credit and live the common lifestyle i deserve. In addition i have presented multiple federal laws that are being violated in my case and stil havent gotten the decency i feel like i deserve, here are some -15 USC 1681 Accuracy & fairness of credit reporting -15 USC 1681 ( a ) ( 4 ) Invasion of consumer privacy -15 USC 6802 A financial institution may not disclose no public personal information to a non-affiliated third party -15 USC 1681 ( b ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it relates Please help me in this situation i feel like this is beyond my power and have an intent to litigate if the bureaus do not comply, thank you for having my back
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, transinion failed to take timely and effective measures to prevent and address fraud on their platform, leaving m ' account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

Citibank closed my account with them on XXXX  To date, I have not received the funds. When I contact Customer Service they inform me that my account does not exist and recommend I contact a local branch. I am unable to reach a local branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to my XX/XX/2023 mortgage payment to XXXX XXXX XXXX. XXXX XXXX made a direct and infallible error in reporting this loan late. I have made several attempts to request the mortgage company to immediately correct this erroneous report to the credit bureaus, in conjunction with filing disputes with the credit bureaus. Their intentional neglect to correct this error has caused my XXXX XXXX to suffer a negative XXXX XXXX pts. My family and I are experiencing emotional distress and financial hardship because of XXXX XXXX  actions & nonaction. They have defamed my character and made it impossible for us to qualify for additional credit. We were in the beginning stages of consolidation of credit cards so we can assist in the funding of our first daughter wedding. Now we are having to borrow money from friends and family. As a XXXX veteran I would expect better treatment and consideration as we live on fixed income and have never been late in 3 years with this company. Extremely disappointed.I have the receipt and a official letter from XXXX XXXX dated XXXX XXXX admitting their error.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Debt collection

XXXX purchased a debt owed to XXXX XXXX XXXX  on a closed checking XXXX overdraft account. The original amount was approximately {$1000.00} and they have been attempting to collect about {$2400.00} through their assignee XXXX XXXX XXXX. 

I have had multiple communications with XXXX XXXX XXXX about this matter indicating that I am aware of the debt and the balance of approximately {$1000.00} but I requested validation and verification of the debt, copies of invoices, billing statements, contracts supporting the balance they are attempting to collect for about 2 1/2 times what was originally owed. 

I have made several payments in an effort to show good faith and my intentions to resolve the amount I actually owe although they have neglected to provide the requested documentation they are required to furnish by law ( FDCPA 95-109 808 = Unfair Practices and 809 = Validation of debts ). 

I also disputed this with the credit bureaus and they validated this I believe illegally because they haven't validated the debt with me so how could they respond to the credit bureau complaint in the affirmative! 

I have have already paid them {$1100.00} which is near the original amount I think I originally owed. 

# 1 FDCPA violation by not validating the debt # 2 Potential violation by adding fees and costs not agreed to in the original contract # 3 FCRA violation - validating the account with the bureau after I disputed it ( back to # 1 -if they can't validate the debt with original contracts, documentation then how can they verify the debt with the bureaus Spoke with Ms. XXXX XXXX XXXX XXXX XX/XX/2021 @ XXXX MST.. she transferred me to XXXX " Camera XXXX? - Operation Manager who was unhelpful, he stated that I need to work through XXXX XXXX XXXX even though they own the debt and XXXX XXXX XXXX is only the assignee and I explained that XXXX XXXX XXXX 's portal has my account " disabled '' to access any info and no one replied to my last email several weeks ago on the validation, documentation request. 

If XXXX had retained the account this communication issue with XXXX XXXX XXXX would not be an issue and now that there is a problem they are not taking any steps to intervene with the assignee to facilitate communication of the requested docs and resolution with my credit report.
Product: Checking or savings account

I failed to received a settlement from the Wells Fargo class action lawsuits of an unknown amount to an old address sometime in XXXX. 

The only notification I have is a XXXX IRS tax form submitted of {$30.00} in interest earned on the settlement check, which was also mailed to an old address and was forwarded to me in XX/XX/XXXX. 

I have tried contacting the settlement administrator but received no response. 

I am asking for my settlement check to be mailed to my current address.
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 Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I contacted XXXX  XXXX to let them know was there anything I could do because due to XXXX my job hours were affected and the rep I talked to said they couldn't do anything but on their website, they have a customer assistance impacted by covid but couldn't remove my late payments. XXXX XXXX XXXX XXXX XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, I contacted XXXX  on XXXX to see if i could get my late payments remove and the rep said they will remove all late payments and make all current and paid, XXXX XXXX XXXX XXXX XXXX XXXXate Account opened XX/XX/XXXX ; Late payment XX/XX/XXXX, i contacted XXXX  and the rep said they will remove and also send an email and i never received the email to confirm and 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

XXXX unable to see my credit score because of an error, XXXX asked them to fix more than XXXX time Cant log in on website and see my credit report, there an error when I log in that states theres a technical issue
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  Account # XXXX has violated my rights XXXX XXXX XXXX, Account # unknown 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 many 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.