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

I am writing to file a formal complaint concerning a flagrant violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality.

Despite explicit requests for reinvestigation directed at Experian regarding the following accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements.

Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies.

The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit.

These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data.

Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention.

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. 

Thank you for your immediate attention to this pressing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account please remove
Product: Mortgage

I was never on more than a trial HAMP program in, XXXX. I paid it on time for 11 months until Chase took me off it when they took over my loan from XXXX. From Chase I was than transfered to XXXX XXXX who keeps telling CFPB that I was given the Hamp Program through them which is untrue XXXX XXXX has refused every attempt I have made at paying my mortgage and told three different cases workers at Mass AG 's Office that paperwork was missing that they would be include on the faxes and emails containing said documents.XXXX XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX & XXXX XXXX XXXX of AG 's Office Ma. Both were finally told by XXXX that they just didn't have modification programs. I have 7 large boxes containing every modification I filled out any mailings from the numerous lenders including XXXX  XXXX XXXX who put me in this illegal loan to begin with I had a 3/5 arm adjustable and on the 3rd year it went from 7.8 % to 11 % and when I tried to refinance they said it could no longer be done because I was self employed same work I have done since XXXX. XXXX refuses to evaluate me and pretends to open the process but never does it.
Product: Checking or savings account

On XX/XX/year> my significant other who is a joint on the account was a victim of a phishing scam. We filed a dispute with Wells Fargo immediately, filed disputes with XXXX as her XXXX account was completely compromised and stolen. Filed a police report, and got dates and times for transactions that occured out of state in person in stores that the police are investigating. Wells Fargo denied my claim and said we authorized the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has ignored all request to honor the privacy act of 1974, 15 USC 6802 and many other Codes and rights of mine as a consumer have been violated. XXXX XXXX XXXX has still been reporting to a nonaffiliated third party without my permission. In XXXX XXXX XXXX they were given notice to stop reporting and denied a copy of their terms and conditions which I never received from them> They were not the seller or the entity to whom I purchased from. The original contract was recently rescinded to XXXX XXXX XXXX I fount that XXXX XXXX XXXX is the third party that purchased my contract security. The contract was misleading and did not provide proper notice per my consumer rights. Today XXXX XXXX XXXX XXXX refused to provide updated Terms and Conditions and Privacy notice stated that It is with original contract which it is not because I never had an agreement with XXXX XXXX XXXX only XXXX XXXX XXXX which is voided. XXXX ignores my mail and emails ( per recorded call ) and they insist on arguing my rights instead of honoring the law. This account was deemed fraudulent, inaccurate etc per XXXX and XXXX and was removed many years ago. Experian continues to allow XXXX to break the law and infringe on my rights to opt out and or Rescission of any contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Credit card

This company charged outrageous interest and then delayed the payments, charged more interest, constantly resulting in a small amount due to charge 26.99 % interest on and when finally paid did not return the overpayment. I had to contact them to issue a check refund and the automated phone system is a nightmare to get through. They should be sanctioned.
Product: Checking or savings account

The Bank of America hasn't been able to properly investigate the fraud transaction in my checking account. The amount of {$5300.00} has been electronically and unauthorizedly transferred to the XXXX XXXX bill payment service to the unknown party ( a suspect responsible in transferring fund ). 

Bank of America didn't notify or alert me when the transfer happened because the amount was too large compared to my regular transactions. The associate that I spoke with the very next day didn't handle the situation correctly as I figured lately that he could have triggered the 'stop payment ' feature when I confirmed that I didn't authorize it. 

It was already too late after the payment was proceeded and paid to handle the situation correctly. 

I have attached the copy of my login history, where it clearly shows the login device was traced to XXXX, Texas when the payment was proceeded. As I have been here in Virginia the whole time. You can also see that I have been logged into XXXX, Virginia the other times. 

Bank of America is aware that I have been robbed but they wouldn't want to pay much attention because they think they have to pay from their pocket.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX The monthly payment amount is not reporting correctly This is inaccurately reporting on my report. 

XXXX XXXX XXXX XXXX - XXXX This is not accurate. 
please remove it from my credit report Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Information is Incorrect
Product: Credit reporting or other personal consumer reports

On numerous occasions, I contacted Equifax to investigate errors found on my report, especially since my information was exposed in their data breach. I have attempted to dispute the information with Equifax, yet they are not verifying and updating the data based on the facts. I have numerous accounts that have been included in Bankruptcy and should reflect that on my report, though Equifax is not manually validating this information allowing an automated validation to continue to push incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was checking my credit report almost two years ago I received public service forgiveness on my XXXX XXXX XXXX loans acct number XXXX. It makes me angry to see XXXX has my XXXX  loans listed on my Experian account written disputed consumer and on XXXX XXXX loan fixed rate. This is listed on my XXXX account too which I see you closed on XX/XX/XXXX Why would I dispute my federal XXXX loans XXXX needs to upgrade my XXXX loans to its rightful status and remove this lie as well as XXXX these companies should not be allowed to write these un truths on consumers credit reports.
Product: Credit card or prepaid card

To Whom It May Concern : Today, out of nowhere, without any warning or justification, I received a notice from Bank of America regarding a credit card account that I have had with them for several years ( at least five years, and possibly more ) was suddenly and immediately closed. A copy of the email I received is attached to this complaint. I also have a second account with the bank, which is currently in the midst of a promotional cycle, so I have been using that one for charges instead of the one that was closed. The email notification does not include any information about why the account was closed, but given that I have not used it for a few months, perhaps that was the reason. 

However, I am filing this complaint because I had an accrual of rewards points attached to that account worth approximately {$500.00} or more -- yet according to XXXX in the Tennessee XXXX XXXX for Bank of America, the points were FORFEITED when the account was closed. However, I was provided with NO WARNING or rationale for the closure. The email from the bank says that I will received such information by mail. 

Why should the bank have been able to effectively steal or withhold from me some {$500.00} worth of cash-equivalent ( and redeemable ) points without any notice or justification? I earned those points through spending, per the contractual terms of the credit card, and I made all payments diligently for years. How many other consumers have had their points taken away with no warning or cause -- i.e., a failure by the bank to fulfill its obligation under the rewards program? Thank you very much for your assistance. 

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

From XX/XX/2021 to XXXX XXXX XXXX  its shows on app XXXX credit bureaus that a bunch of car dealerships ran my credit over XXXX times on some vehicle purchase and I have contacted them numerous times and cant get anything done. My father has the same name as me and maybe it was him but I havent authorized these credit pulls and want them removed. Below I am attaching the pictures of some of the inquiries. The only credit inquiries I should have will be from XXXX XXXX XXXX only. I really need some help with this. Please call me at XXXX with any questions you may have. Thanks and have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our social security numbers were stolen in 2014 to file false tax returns & the thefts never stop. Last week it was XXXX XXXX. As instructed I contacted the XXXX Equifax to put a freeze on our credit. All it took was inputting my social security number and street number ( not city, state & zip code ). I get emails from the USPS with images of mail to be delivered that day. 2 from Equifax, one for me and one for my husband. My envelope from Equifax never arrived ( see attached image ). My husband 's letter included HIS PIN NUMBER WRITTEN IN Bold was on that letter. I don't know of any company WHO SENDS PASSWORDS via US MAIL WITHOUT ANY TRACKING INFO. I have made several calls to Equifax & tried to chat. There's a language problem, the reps in countries outside the US ( XXXX XXXX XXXX ) are extremely difficult to understand.
Product: Credit reporting or other personal consumer reports

Addresses not belonging to me reporting to credit bureaus.
Product: Debt collection

I had an outstanding account with XXXX. Zenco Collections is the company that is harassing me. Threatening me, suing tactics ect. I have already settled the on the account. I made three installments. I, {$200.00}, 2, {$400.00}. Still have n't received my letter of release.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I had returned the car to the dealership after being notified that the abs system and the electrical system had faults. The dealerships told me they would fix it and never did and then reported to the bank that they had repossessed the car.Therefore it was reported to my credit and now says I owe XXXX and interest is currently growing.The dealership is called XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX  XXXX
Product: Debt collection

I received a letter from Halstead Financial Services. It said I owed {$540.00}. There was no explanation. It also said XXXX XXXX XXXX had purchased my XXXX account from XXXX XXXX. When I called the phone number on the letter a woman said I had purchased an oil filter on XX/XX/XXXX for {$120.00}. I never made this purchase. She said it was through XXXX and that I had used XXXX. I have never used XXXX. She said letters were continually sent to XXXX XXXX XXXX XXXX in XXXX, CA to get me to pay the bill. I never lived at this address. She said interest had accrued from XX/XX/XXXX to XX/XX/XXXX and that now I must pay {$540.00}. She said to resolve this issue she would send me documentation to fill out. I received this documentation today. It asked for my Social Security #, Driver License #, my current address and how long I lived there. This second documentation used the letterhead XXXX XXXX XXXX. Both XXXX and XXXX had XXXX. XXXX numbers. There was no signature on either letter. They gave a phone # XXXX. I did not use their email address to contact them. I am sure this is fraud. I will contact the police and ask their advice. Please tell me your opinion.
Product: Credit reporting or other personal consumer reports

Please I need your assistance and really needs your help regarding my XXXX problem today. I WOULD like to file a dispute against this Unauthorized Charge on me of {$720.00} to get into the credit reports into my account that really bothers me on my daily routine works on my tiring job I work hard for this to take good care of my GOOD OUTSTANDING RECORDS AND MY name. 
This was On XXXX XXXX from IQ DATA INTERNATIONAL Inc XXXX XXXX CA AND its not my consent to this matter. 
In reality all of my loans and if i have a debt I should have to payed on schedule and on time % XXXX on Time Payments even if you double check on my history reports accuracy.SO help me XXXX i want best results action to my concern and bring justice to my situation. I want to hear from you soon your best action .I want to stop this kind of fraudulent activity and unauthorized activity and receiving a debt collection in wich i am not entitled, Thank you.
Product: Debt collection

I recently received many solicitations from attorneys that wanted to help with a lawsuit, I became very curious as to why I was receiving all this mail. I went online to public records and found that a pre-trial conference was scheduled for XX/XX/2019. I never received any information by mail or by phone. I never received any legal documentation regarding this matter. I was very upset to see this under my name in public records with a past due date. On XX/XX/2019 I called the office of XXXX XXXX XXXX XXXX. 
I asked to speak with Mr. XXXX. The woman that answered my call said he was unavailable. I gave her my name and asked for her name and she just ignored my question. I willingly provided her with my personal information. She informed me that they are representing XXXX XXXX & I owe a balance of {$3600.00}. I informed her that I had XXXX XXXX XXXX accounts in the past years all 4 were closed upon my request all 4 had a XX/XX/XXXX balance. When I told her that this has to be some mistake, I do not owe this money, she became very argumentative. I asked her for her name again, she replied that our discussion was over and hung up. I called back a few more times today, but all I received was a voice message. I left two individual messages, but no one ever returned my call. I can not resolve this issue when this woman is screening phone calls and refuses to give me her name. XXXX XXXX XXXX have not returned my phone call and this unidentified woman behaved like a loan shark, using unprofessional scare tactics. Please help me clear my name and this serious matter. Thank you
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment to be updated.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Their card was never received nor ever activated yet they are attempting to bill bogus charges.
Product: Vehicle loan or lease

I was in a car accident. I have tried to return the car and the finance company declined. I stopped making payments on the car because of the accident of the vehicle. They have since been asked to pick up the car by myself and they have not as of today. The damage done to the car is not worth the loan.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) 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 systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I C SYSTEM XXXX XXXX XXXX XXXX 2024XXXX {$300.00} I C SYSTEM XXXX XXXX XXXX 2024-XXXX {$250.00} I am being harassed by a collection company that purchased this debt, and their constant calls are overwhelming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discussed these accounts several times and still have not received any answers, this has affected my credit report.