23daVinci/CFPB_Complaints huggingface dataset:
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 report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 Experian 's inaction violates federal law and my rights as a consumer. Here are the disputed accounts that I need corrected and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX Update/CORRECT to PAID AS AGREED NEVER LATE CXXXX XXXX XXXX Account Number : XXXX XXXX this Collection Account from my consumer report XXXX XXXX Account Number : XXXXXXXX XXXX to PAID AS AGREED NEVER LATE
Product: Credit reporting or other personal consumer reports

I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from Experian, XXXX, XXXX etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian and XXXX are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.
Product: Debt collection

The Argon agency is inaccurate and also is not valid according to the fair credit reporting act. From what I understand this is a medical debt, which is not a valid debt according to the FCRA ( Fair Credit Reporting Act ). There are several inconsistencies and inaccuracies with the open/closed account dates. The open/closed account dates are all different which is inconsistent and in accurate. I ask this to be removed from all three credit bureaus immediately.
Product: Credit card or prepaid card

Six accounts were open in a similar to mine. My name is XXXX XXXX. The accounts are in the name of XXXX XXXX XXXX. XXXX XXXX open up the following account that are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX Walmart, XXXX XXXX and XXXX XXXX. This is affecting my consumer report and would like them to be removed. Synchrony sent me a letter letting me know do to fraudlent account they would be closing the accounts above.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account Name_XXXX XXXX_______________ Date XXXX Account Number XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXXXX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX XXXX, WELLS FARGO BANK NA add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX
Product: Credit card

They refused to release my funds for XXXX weeks holding money and not answering email or calls to resolve the problem
Product: Student loan

sent a death certificate to Navient in spring XX/XX/2016 ..requested a cancellation of the parent plus loans as my spouse and I have poor credit and could not qualify or make payments .. Navient ignored the request and recast loans in me and my wife`s names...
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

I am writing regarding unauthorized information on my report which is in violation of FCRA and related laws. Per 15 USC 1681 Congress stresses the need to protect my right to privacy and ensuring that your company complies with laws to do so.

Consumer report as defined in 15 USC 1681a is " any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ''. This does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report '' pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Reporting financial transactions between myself and the company making the report is illegal.

Further, according to 15 U.S. Code 1681b, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates ''. Based on this law, I am directing you to remove the inquiry as I am the consumer to whom the report relates. Additionally, Public Law 90-321 ( 82 Stat 146 ) states " that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ''.

The Privacy Act of 1974 states " term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. The Act goes on to provide conditions for disclosure by stating " no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains ''. To reiterate, I did not provide written consent to Lexis Nexis to place this information regarding a financial transaction on my report.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this 15 USC 1681e. Violations of this law make you civilly liable for damages.

You have a responsibility to immediately delete the information until you can provide evidence that the information reporting is valid per 15 USC 1681s-2.

The following information needs to be deleted from my report per the previous explanation : Justice of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Filing Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I want Experian to remove the following addresses 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I 'm unaware of this debt. I 'm XXXX and homeless. Thank you.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I ordered a purse online from XXXX. It was taking a long time to get to me and appeared to be held up by USPS. I contacted XXXX and asked if I could cancel the order. They said " no '' but that I could refuse the package when it arrived ro return to sender. I was not at home when it arrived so I did a return to sender. This can easily be verified by looking at the tracking. 
I started checking my account for refund progress. When the refund wasn't showing up, I started contacting customer service via their contact us/chat feature. I spoke with several reps over the next 2 months who all assured me that they could see where I returned the purse and that my card should be refunded in 3-5 days. It took 2 MONTHS! They finally refunded my card. but because it too so long, I got a late fee added to my card. How can I get a late fee added for a return???? I started contacting customer service again. It took a month to get the late fee removed. 

So they removed the late fee in XXXX but turned me into the credit agencies, causing my score to drop almost XXXX points, going from excellent to good. This is unacceptable. It was a RETURNED item. How can there be a late fee on an item I returned almost as soon as I received it???? There was nothing else charged to the card. That returned item should have been refunded back to my card in a timely manner. XXXX XXXX did not do that, causing a late fee. 

I disputed it, and XXXX denied any wrongdoing. The only conclusion I can come up with is they didn't bother to look into it, because it is obvious, I am not at fault here. Please fix this ASAP. I have had excellent credit for years and I don't want to have to hire a lawyer to get that back. It shouldn't come to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 my loan was up to date XXXX XXXX transferred my loan to Bayview Loan Servicing in XX/XX/2020 then in XX/XX/2020 Bayview Loan Servicing changed their name to Community Loan Servcing LLC. I was experiencing financial difficulty because of COVID and in XX/XX/2020 I requested and was granted forbearance for the next 18 months. I was hoping that Community Loan Servicing LLC as with other disasters and emergencies, they would be willing or in some cases required to provide forbearance and waiving late fees due to this pandemic. Under the CARES Act, if I was current as of the beginning of my forbearance in XXXX which I was they were not suppose to report late payments. I was granted forbearance in XX/XX/2020 which started with my XX/XX/2020 payment. Community Loan Servicing has reported 22 late payments on all three Credit Reporting agencies. I have tried reaching out to them to get this corrected but they refuse to make it right on my reports. I have had financial hardships ever since. And because of 22 late payments being reported on my reports have been turned down repeatedly for credit.
Product: Debt collection

I have lost my job due to a plant closure. Comenity Bank called me XXXX times last week. They called this morning Sunday also this is harassment. Theyre texting me now I also received a text this morning. My phone and laptop have been hacked and I dont know who I am speaking to so I do not answer the calls. They never leave a message and just figured out that it was them calling me. I have all the calls logged on my phone. Im not trying to screw them out of anything I need to find a new job which isnt the easiest thing to do when youre XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
Id also like to include an amount of XXXX check that was released which I informed XXXX I did not authorize this they did not try to resolve this and I lost that amount!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information. I notified them and they did not remove
Product: Debt collection

I received a phone call from this so called company ARS ( Account Resolution Services ) telling me that I was placed in collections for a medical debt regarding some previous visit of my son to the ER in the XXXX XXXX Hospital I explained that my son had insurance ( XXXX bc he is XXXX  ) and I have never had to pay any bill or medication before. I didn't give them any information and asked for the Dr name bc I keep records of all my son 's visit to the hospital and the dates were coincident Then I called the hospital and they assured me that i didn't have any bill pending under that doctor 's name Now I'm getting a letter from the same company ( the information is at the end of this letter ) with two visits ( one is real, the other is not ) and I'm worried bc I really don't know if this could impact my credit history, which btw is not bad at all. 
Any help I could receive from you would be highly appreciated ACCOUNT RESOLUTION SERVICES a division of HRRG, XXXX XXXX XXXX  XXXX XXXX, FL XXXX Ph : XXXX My address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Bank account or service

Citibank took {$170.00} in fees from my checking account between XXXX XXXX, 2015 to XXXX XXXX, 2015. In order to maximize the fees, Citibank processed larger transactions first in my checking account then smaller transactions which caused my account to be overdrafted. Citibank is engaging in unfair business practices by processing larger transactions first then smaller transactions in order to maximize overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating these accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
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, Attorney XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA To : CAPITAL ONE XXXX Capital One XXXX XXXX, VA XXXX Dear Capital One, Our client. XXXX XXXX, has hired us to represent their interest in resolving this matter. This cover letter and Notice and Demand ( attached ) serves as an official notice to you and your clients XXXX, XXXX, and XXXX and may be tendered in court as evidence of your blatant failure to cooperate and adhere to the FCRA, State and Federal laws including but not limited to 15 United States Code 1681 ( a ) ( 2 ) ( A ) ( i ), 15 United States Code 1666 ( b ), and section 1637 ( b ) of Title 15. 

PLEASE SEE ATTACHED
Product: Credit reporting or other personal consumer reports

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 has violated my rights. 

I looked at my experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

Regarding XXXX XXXX I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate.