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

Experian continues to break the law and not follow the FCRA and its own guidelines when it comes to reinserting old information back to my credit file. Experian had reinserted an old fraudulent account from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$5000.00}. Not only was I never given proper notice of reinserting old information which requires that I'm notified within 5 days before they can reinsert they never provided new and updated information that is also required to reinsert. 

Experian has not only violated me they refused to provide any context or proof of validation of debt or the proper notifications afforded to me by law of reinserting old information. Also enclosed in the complaint is proof that this item was removed from my credit file XX/XX/XXXXXXXX   and then reinserted to my credit file XX/XX/XXXX. I also included a copy of Experian instruction for re inserting which clear they aren't even following its own rules. 

This is proof that Experian continues to abuse its power and continues to break the law for its own benefit. The creditor was given the oppurtiunty to contest any dispute in a reasonable time frame its been 6 years since this fraudulent account was remedy and this abuse of power is unacceptable. 

Experian negligence is causing irreparable financial harm to me and my family and its error will cause us financial hardship.
Product: Student loan

I applied for this schools years ago however due to a move I wasnt able to finish the classes and in order to transfer any of the class transfer and I had to start all over again. Also, I never asked for private leans I request at the time what ever free money I got from XXXX. The school was never very good on explaining the debt. I been paying this for years and every payment I make doesnt see to make any difference instead it seems that goes up instead
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completes of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OH XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting

On XXXX XXXX 2016, I checked my credit on XXXX and had a total of XXXX hard inquiries removed from my report. I checked my account on XX/XX/XXXX and all XXXX hard inquiries were placed back on my account without sending e a reinsertion letter as required by FCRA 611. I have been calling Transunion every since and received no help. No one will transfer me, no one will connect me with the American representative or the fraud department. Multiple agents have been belligerent, some have told me they know what happened but that it is basically too bad and I will have to file a complaint because they will not fix it.
Product: Checking or savings account

Wells Fargo offered remedy payment in amount of {$3700.00} as well as subsequent amount of {$500.00} via mediation for fraudulent accounts opened by Wells Fargo reps in my name which were unwanted and again, fraudulently opened. As explained in prior CFPB complaint, no payments were received, payments sent to old address were not received. I have since moved to a new address which is XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I've requested a reasonable settlement amount, Wells Fargo has failed to offer an amount which covers damages sustained due to these fraudulent accounts. Wells Fargo reps replying to CFPB refer to mediation agreement which again, was not received as anything sent to old address would not be forwarded. Since no agreement received, they can not refer to it as any document related to was not signed by myself. It appears Wells Fargo will not honor their offers, refers to old address they sent to in which case was not forwarded to current address.
Product: Credit reporting or other personal consumer reports

XXXX First round of dispute sent to Experian. XXXXReceived an updated and verified status. XXXX Second round of dispute to Experian , no reply back. XXXXThird round of dispute to Experian, no reply back. XXXXSent an another 1st round of dispute to Experian, no reply back. XXXX sent another 2nd round of dispute to Experian , no reply back XXXXsent another 3rd round to Experian, no reply back. XXXX sent another round 4 of dispute to Experian , only updated and verified. XX/XX/year> - still no change.
Product: Debt collection

Attempt to collect a debt previously discharged by original creditor Faiklure to respond to request for debt validation XX/XX/2021. 
45 days have passed as of XX/XX/2021 2021
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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: Debt collection

XXXX XXXX has already removed account # XXXX from my credit profile discharging it because they couldnt produce documentation with my signature or a instrument of indebtedness or any type of electronic signature or any photo Id or social security card to prove I opened this account. Now today XX/XX/2018 I receive a letter from them stating they verified the account buy sending me a bill in what way shape or form did that verify anything. I never authorized this account. Produce proof of me opening this account with documentation if not leave me alone or I will seek legal action against you and XXXX which is the original creditor thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failure to properly investigate fraud account. Kept fraud account on my credit bureau and XXXX states Experian never reached out to them. Uploaded letter from XXXX to Experian and Experian told me they verified that I am responsible for the account which is a fallacy because it is a fraud account and I uploaded the document from XXXX to Experian but they have not done anything. 

Experian investigation is a scam. Several FCRA violations as well as aiding and abetting identity theft and defamation of character.
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. 




XXXXXXXX XXXX XXXX XXXX XXXXXXXX remove late payments This 30 days late is not correct my account is current. I attempted to reach out to correct the issue and was told nothing that could be done to correct their error. I then reached out to all the credit agencies with no resolution. I am in the middle of buying a house and this error has caused personal damage. 


PLEASE REMOVE 3 LATES ON THIS ACCOUNT NOT ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN AND USED TO OPEN AND APPLY FOR FRAUDULENT ACCOUNTS SOMEONE USE MY NAME TO OBTAIN A APARTMENT LEASE, OPEN A CELL PHONE ACCOUNT, OPEN CREDIT CARDS WITH MY ID AND SOCIAL SECURITY NUMBER THESE ACCOUNTS DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On  XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Debt appeared on my credit report and i have no knowledge of this company or Debt.
Product: Payday loan, title loan, or personal loan

Lendmark Financial in XXXX XXXX, North Carolina. I currently have a loan out with them. I started getting phone calls on the first due date of the loan. I am only 30 days late and i get daily calls from them. They have also called my 3 references and left them daily voicemails. 
Harassing me about payments. Today they threatened to take action against me. Im going to pay them. Im just getting caught up after having to pay for daily summer care for my XXXX boys who have XXXX. I will never get a loan from this company ever again. And I recommend everyone to avoid this company for a loan.
Product: Debt collection

The Company, XXXX XXXX XXXX, continues to call me on my cell phone and work phone for debt that is not mine. This debt is most likely owned by a family member who shares my name. Even if this debt was mine, they can't call me at work. I called once to get them to stop, but they wanted me to identify myself, despite them not knowing they had the right person. They hung up after I got angry. But I would have reiterated the fact they were calling me at work, which is wrong. 

The Company 's phone number is XXXX XXXX XXXX XXXX. My reference number is XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

Request to delete/remove all LVNV Funding LLC accounts effectively and immediately with reference to both XXXX XXXX credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.
Product: Debt collection

I have reached out to this company XXXX of XXXX no one ever contacted me. The amount never changed that was owed even though I paid on the loan from XX/XX/XXXX to XX/XX/XXXX. I even made extra payments. When I try to file a complaint to their website and upload documents it wont allow me submit all my bank statements for the amounts I paid for the year.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the unsuccessful attempts to remove fraudulent items from my credit file. This marks the second attempt to rectify the inaccuracies, and despite my persistent efforts, the fraudulent entries persist on my credit report, causing significant distress and impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation to substantiate the inaccuracies in my credit report. However, it is disheartening to note that these efforts have not yielded the desired results, and the fraudulent items remain unresolved. 

The persistence of these inaccuracies continues to affect my creditworthiness, making it challenging to secure credit, obtain favorable interest rates, and manage my overall financial well-being. 

I request an immediate and thorough reinvestigation into this matter to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and correct the fraudulent items. 

Should this matter not be resolved promptly, I may be compelled to escalate my complaint to regulatory authorities and seek legal recourse to safeguard my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and notice some hard inquiries that I don't recognize. 

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

I needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I reached out to TransUnion in reference to unauthorized inquiries on my credit report and was advised to send in a FTC, police report with copy of my DL/SS card and I did. So I gave it a few weeks before I called to check on the status after being told they needed those documents to remove the unauthorized inquiries. 
On XXXX I reached out again after seeing this fraud alert on my report that had phone numbers in the alert that wasn't mines. I spoke to representative by the name of XXXX XXXX that could not speak XXXX that well and asked her about my situation. After asking her multiple times about the report and the false information on my file she stated she could not help me and the paperwork was not in to support my claim. XXXX XXXX got very upset and started to be rude. I asked for her supervisor she told me no several times until after I told her my rights were violated and I wanted her supervisor. She later transferred me to another representative is when she answered the phone and someone was making homophobia remarks about me keep calling in which i reported to the XXXX organization!!! This representative name was XXXX XXXX who also came on the phone with a poor attitude and refusing to correct the information on my report or use the documents sent in to remove the fraudulent information. XXXX XXXX was very argumentative is when I told her they had false information on my report that they refuse to remove after I didn't authorize them to add the statement on my report since this number belongs to someone else just as the inquiries that need to be removed ASAP.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting

I had an account with XXXX like five years ago, I actually did nothing wrong whatsoever and of course there was no abuse I never abused any checking account with any institution and of course not with an account i had open maybe like three months. 

I had someone working for me in the an other state I was trying to sent her via ACH like XXXX since this was a fairly new account instead of adding i was debiting her account which i adjusted immediately when I was made aware of the error at that point someone of the bank called me and was trying to scare me of and all that he was threatening me with all he could. to make a long story short they reported me to the Chex systems so I cant open a new account now cause of this issue please help me to get my records straight. 
Thank you in advanceXXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received a notification from Credit Karma about a pending charge from XXXXXXXX XXXX or phone for XXXX asking me if this was a legitimate transaction. I responded that it was not. Within a matter of minutes my phone was pinging non-stop. I got a notification that my phone number was changed on my account, and an email that my email address was being changed on my account. I immediately called credit karma spend while this was happening an they put me on hold for 40 minutes, while my account was being drained of funds. Then they get on the phone and after giving them all the information they tell me they don't have an account with my phone number or email. Which is what I just explained to them. All of these transactions out of my account were through a XXXX XXXX to someone in Ca. I am not in Ca., nor do I know anyone in Ca. Now they are investigating it. Over the weekend they required me to send in a copy of my license and me holding my license. Telling me they are still investigating. I tried to follow up two times after that and was told it is being handled in the investigations dept. Now I get an email that they have closed my account. Canceled my Karma card and my money is just gone. That they can no longer serve my financial needs? This took me months to save that money.
Product: Debt collection

This creditor shows up as original creditor being owed on all  XXXX  of my credit reporting when it was sold to collection agency. They can no longer report this debt as theirs and the company will not remove from my reporting. I 've worked with them through all  XXXX  credit agencies and they will acknowledge this debt as paid in collections. Please help me.
Product: Money transfer, virtual currency, or money service

I used remitly on XXXX XXXX, XXXX, XXXX XXXX  XXXX to transfer the funds of XXXX dollars to a bank account in XXXX belonging to my grandfather. The amount has not been delivered to him as of today  XX/XX/2024. 
Remitly had promised to deposit the money on XX/XX/XXXX. The transfer was put on hold on XX/XX/XXXX due to some issues. I called them again and verified the details to resubmit the transaction. They processed and informed me that the amount was delivered on XX/XX/XXXX. However, the amount has not been delivered so I have been calling customer care every alternate day for the last week and they are continuing the investigation. In the most recent call, the customer care agent confirmed the amount is stuck and he will try to cancel once they can recover the amount from their partner bank. Remitly has a policy of refunding the money within XXXX business days if the transfer is not completed. However, they are refusing to honor it stating we are still investigating at should get an update in the next XXXX hours
Product: Debt collection

I checked my credit report and saw and account from MEDICAL DATA SYSTEMS for {$840.00} for XXXX XXXX. I had no knowledge of this account and have never received any notice in regards to the account or how to dispute the account.