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

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate and unverified accounts remain unresolved, violating my rights as a consumer. There are information on my credit report that is still inaccurate Furthermore, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses from data furnishers, and Failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience. Despite my formal disputes, Experian has neither corrected nor removed the inaccurate accounts, specifically : XXXX XXXX XXXX XXXX XXXX Experians continued inaction constitutes a direct violation of federal law, including but not limited to : 15 U.S.C. 1681i ( a ) Obligation to conduct a reasonable reinvestigation, 15 U.S.C. 1681e ( b ) Duty to maintain accurate consumer reports, and 15 U.S.C. 1681n & 1681o Liability for willful or negligent noncompliance. 
I demand immediate removal or correction of these accounts as required by law
Product: Debt collection

Gmac is sharing conflicting information to myself and my XXXX credit report my first delinquency of my auto loan was back in XXXX as it is stated on my credit report and Gmac is reporting my first delinquency as of XXXX that is incorrect I will be attaching a file with cfpb results from XXXX and gmac and my credit report that has the first date of delinquency
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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: Checking or savings account

I had a Wells Fargo account from XXXX to XXXX. They would hold my funds or freeze funds when making deposits. They did alot of fraudulent things to my accounts such as using minor savings accounts to cover overdrafts that were not linked to my checking accounts. 
I have not received notice from the lawsuit. My accounts were in my previous name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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
Product: Debt collection

I had my XXXX service for about XXXX months. I live in the XXXX Ohio area, and I was not aware that the XXXX service could not meet my needs when it comes to cell phone service. I tried multiple times to negotiate with XXXX and they refused to do so. I then had to take my phones to another carrier and they told me that I would have to pay for my devices. I told them I would let the bill go to collections and I would be able to negotiate a price with the collection team. The name of this collection agency is diversified adjustment collection service. I have had a few conversations with them and I have tried to engaged in the settlement process. I first offered them XXXX dollars they said no, I then offered them XXXX dollars they refused. I then offered them XXXX dollars they said no. I have tried in good faith to work with this company and they refuse. I am hoping that I can have this debt removed.
Product: Checking or savings account

In XXXX, I bought a plane ticket from XXXX  to XXXX. My flight was to leave right before XXXX XXXX XXXX, when everything shut down due to Covid. When I bought my tickets, I bought a checked bag. The day before my flight XXXX emailed me, and told me to buy a bag for the flight and said I had none, so I bought the bag again. THEN ON THE DAY OF THE FLIGHT XXXX  TOLD ME TO BUY A BAG AGAIN and that I had no baggage available, so I paid for a bag 3 TIMES! Friends called me at the airport and told me they legally couldnt house me as it would shut down their businesses. I tried for over a week trying. To get a hold of anyone at XXXX or XXXX, after waiting on hold for 13 hours  spread out across 10 days, I got a hold of no one, I waited for online chat no one responded, I emailed, no one responded. I filed XXXX  complaints with both of them. XXXX finally responded that they would give me a voucher for the flight. XXXX never responded, and XXXX blamed the bag fiasco on XXXX. As I have outlined with 5/3, XXXX, and 5/3 in numerous disputes. I want the refund for the 3 TIMES BAG CHARGE, and preferably for the flight. XXXX didnt respond after the initial XXXX   response, for over a month and a half. Mid to late XXXX. Due entirely to XXXX tardiness, I could not reschedule to fly out with my work schedule. But I demand to be paid back the full amount of {$150.00} pus tax for all 3 bags these fraudsters overcharged me for the bags. As Ive already told the 5/3 disputes department team- I will change banks. This is their 3rd screw up for me in 7 years. I will drop them tomorrow if they dont respond properly to this. I have already sent them dozens of pages of emails showing how XXXX  over charged me 3 times for one bag THAT I NEVER COULD USE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to adjust immediately : XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; DEPT OF ED/XXXX XXXX Balance {$160000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} ; DEPT OF ED / XXXX XXXX Balance {$160000.00} ; DPT ED/XXXX  XXXX Balance {$160000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Experian now show 2 late payments for unknown account. 
Delete this information per FCRA. 
Send me updated credit report by mail.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX - XXXX XXXX, 2018 I purchased {$300.00} in Litecoin from Coinbase using my bank account. My transaction has been pending for the last 9 days. 

Details : {$300.00} to purchase Litecoin @ {$280.00} I have sent Coinbase an email directly and contacted them through XXXX. 
My case # is : XXXX
Product: Debt collection

They are contacting me outside of approved hours. Calling me at XXXX. Called and informed of this issue and still threatened that I 've been served. Over phone and on voicemail.
Product: Student loan

I was informed in early XXXX that my loans would go into repayment soon because my school notified the clearinghouse that I went below part time when I in fact did not. I have been enrolled part time since 2014. I called my school 's financial aid department and filled out an enrollment verification and the clearinghouse should have been updated of my part time status. I was provided with a copy of the verification. I received an email last week stating my AES account was still delinquent. They informed me that they were never made aware of my part time status and that to their knowledge I was still attending under part time. I spoke with a woman on the phone who said that my account could be deferred and that I would have to sign a paper coming in the mail. AES proceeded to deduct {$300.00} from my account the following day. I expressed to them in prior conversations that I am enrolled in school and am currently unemployed and can not afford to pay my loans at the moment and they still deducted money anyway. I was told by AES that I signed an authorization a few years ago allowing them to auto debit my account. My other qualm with this whole issue is that I was under the impression that I go into repayment 6 months after classes end, if they were made aware that I was no longer part time ( even though I am ), why was I not afforded that 6 month grace period? My checking account was overdrawn leaving me in a precarious situation with XXXX children to care for and living on XXXX income.
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number in document Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO. XXXX XXXX XX/XX/2024 Subject : Complaint Against XXXX XXXX XXXX XXXX Regarding Improper Use of My Credit File To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX for violations of federal statutes related to the improper use of my credit file, reporting of information without consent, and failure to comply with legal obligations regarding debt reporting and income recognition. 
1. Unauthorized Use and Reporting of Credit Information : XXXX XXXX XXXX XXXX has failed to comply with 15 U.S.C. 1681b, which specifies permissible purposes for obtaining and using consumer credit reports. I never provided written consent for XXXX XXXX XXXX XXXX to report any information to my credit file. According to 16 CFR 313.7, financial institutions must obtain explicit authorization from consumers before sharing nonpublic personal information unless an exception applies, none of which are applicable here. Additionally, under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous disclosure of their information-sharing policies and practices, which XXXX XXXX XXXX XXXX failed to do. Their actions also appear to violate 15 U.S.C. 6805, which empowers regulatory bodies to enforce these provisions. 
2. Lack of Transparency and Consumer Rights Violations : XXXX XXXX XXXX XXXX has disregarded my consumer rights by failing to provide adequate notice or obtain my written consent before furnishing information to credit reporting agencies. This omission violates the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Their noncompliance with transparency requirements and failure to respect the confidentiality of my personal financial information is concerning. I respectfully request that the CFPB investigate XXXX XXXX XXXX XXXX practices to determine whether they are in violation of federal laws, including but not limited to : 15 U.S.C. 68026805 ( GLBAs financial privacy rules ) ; 15 U.S.C. 1681b ( FCRAs permissible purposes for credit reporting ) ; 16 CFR 313.7 ( GLBA privacy and opt-out regulations ). Additionally, I request clarification and appropriate remediation regarding : The unauthorized reporting of information to credit bureaus without my explicit written consent. Thank you for your attention to this matter. I look forward to your assistance in ensuring compliance and protecting my rights as a consumer. 

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

I am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by CAPITAL ONE ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account.

Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor.

Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws.

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX XXXXXXXX  and it came back as of XX/XX/year> That it meets requirement if the Fair Credit Reporting Act. Its also a lot of stuff that I figured that was supposed to been taking off my credit and it has not been taking off at all. I also keep calling these Credit Bureaus and letting them know that they my name is spelled wrong and its showing up on my credit account along addresses and numbers that do not even belong to me. This needs to be removed on my credit profile. These folks on here selling people accounts to third parties that they did not have permission to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX  and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Credit reporting or other personal consumer reports

On XXXX I opened a complaint against Experian regrading not properly investigating or reinvestigating my account. On XXXX XXXX Experian opened up a dispute for all accounts on my reporting for ones I didnt even asked to be investigated. XXXX XXXX is when I got the first dispute back saying that the incorrect account with XXXX XXXX  has not been changed and will remain on your credit report. XXXX XXXX it say the same thing for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the same dispute response for XXXX XXXX XXXX. XXXX XXXX the same for XXXX XXXX XXXX. XXXX the same message for XXXXXXXX XXXX XXXX XXXX XXXX the same message for XXXXXXXX XXXX XXXX XXXX XXXXXXXX the same message for XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX. All of the disputes comes back with a result response of incorrect account has not been changed and will remain on your credit report. 

My issue is that Experian took it upon themselves to start disputes for accounts I never asked for not only that. They never investigated non of the accounts nor explained how they made their decision. I have disputed many inaccurate reports on many accounts. They are not doing their proper investigative through the FCRA at all. Which is damaging to my reporting. 

Explain how every last one of these incorrect account come back with the same result?
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax Auto Finance falsely reported that consumers owes them money. consequently, prevent consumers from obtaining other loans that violate consumers Civil and Constitutional rights ( life, liberty, and property ) life, liberty and the pursuit of happiness.
Product: Credit reporting or other personal consumer reports

XXXX is correctly reporting my XXXX XXXX XXXX as well as the correct credit limit of {$2500.00}. Equifax and XXXX, however fail to report this credit card account as well as the correct credit limit. 

The credit card account was opened XX/XX/XXXX. The minimum monthly payment is {$51.00}. It is still open and actively reporting, where as the last report was XX/XX/XXXX.
Product: Bank account or service

I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} " debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees!
Product: Debt collection

THIS COMPANY IS REPORTING FALSE ACCOUNT INFORMATION TO MY CREDIT REPORT - AFTER SEVERAL ATTEMPTS TO RESOLVE THE ISSUE WITH THIS AGENCY THEY STILL HAVE NOT RESPONDED
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been citi credit card loyal customer since 2018. 
Recently, I opened a dispute against fraudulent charge made by a merchant who already has been reported to XXXX XXXX XXXX due to scam involved on online shopping. This merchant who has currently taken down their online website which used to be XXXX, and have been officially alerted by numerous people on XXXX XXXX XXXX has gotten my money and got away with such crime. And citi did nothing to protect me. I am appalled such a big bank like citi would stoop this low and strip off my confidence I had on their credit card fraud protection team. 
I have contacted citi dispute center and reported the issue and provided proofs in writing. Despite all my efforts and waiting patiently for almost 3 months, citi found it easy to close my dispute in the scammers favor instead. I am disappointed by the poorly trained and unhelpful customer service team at citi and I will be closing my citi credit card