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

I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/2024 ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, respectfully moves this Honorable Court to compel Experian and XXXX XXXX XXXX XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates the removal of accounts resulting from identity theft within XXXX business days. Experian has failed to delete accounts as required by law, and I XXXX XXXX seeks damages for non-compliance. Identity Theft Notification : On XX/XX/XXXX, XXXX XXXX notified Experian of fraudulent accounts resulting from identity theft, providing all required documentation, including and identity theft affidavit. Non-Compliance with FCRA 605B : Despite proper notice, Experian and XXXX failed to remove the fraudulent accounts within four business days, violating FCRA XXXX. A. FCRA XXXX XXXX Statutory Requirement : FCRA 605B mandates prompt removal of fraudulent information upon receipt of proper documentation. 
Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX to ensure report accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Requirement for reasonable procedures for maximum accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Duty for timely investigations and corrections. I refuse to pay this unverified debt and either these companies are in business to make profit using illegal and unethical and has misrepresented facts of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy on my credit report at the three credit bureaus. They intern responded to the dispute. confirming the bankruptcy stating the the information was provided by the US BKPT CT MA XXXX I intern wrote the US BKPT CT MA XXXX confirming their procedures in regards to bankruptcy records, with which the responded confirming the DO NOT supply these records to the credit bureaus ( see attached ). 

I then sent a copy of this letter from US BKPT CT MA XXXX to each of the credit bureaus, along with a letter identifying the mistake they had made and requesting its removal from my account They have continue to refuse its removal
Product: Checking or savings account

Opened a fraud claim on XX/XX/2023. For the amount of XXXX. I had instructed the countless representatives that I had tried to get in contact with the service provider and they told me that they would not give me anything back. I contacted Citizens bank and disputed the charges and let them know what happened and also that I found that my phone was stolen and XXXX payments were made without my knowledge or consent ; so I disputed those as well. Ive waited for XXXX weeks and the bank closed my claim because they said I needed to reach out to XXXX XXXX and XXXX directly, but I had already instructed the representatives probably 5 or 6 times previously that I had done my due diligence several times, and no one would speak to me and no one would return my money. But I did reach out to them already and they kept advising me to contact my bank. I left numerous notes with the bank and they just cast me to the side and the supervisor told me to go to small claims court. But the whole thing is I cant get ahold of the merchant so small claims court is not an option and I cant locate them. And the representatives I spoke with did not listen to me and I was told that whoever filed my claim previously had disputed other transactions like direct deposits and other things that I did not tell them to dispute. That just shows me that the bank did not do right by me and did not care that I am struggling and did not listen to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX ; ; XXXX XXXX XXXX XXXX XXXX PL XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, HI XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have filed a dispute with all three credit reporting agency requesting them to remove the more than XXXX XXXX late notice by XXXX XXXX. XXXX  has yet to send me a copy of my account ledger to date or respond to my previous dispute and or complaint with the CFPB. I am not sure if the bureau understand my dispute. I will try once again to explain the error or wrongdoing by XXXX XXXX XXXX reported that my account with them is more than XXXX  days late. The time period they are referencing falls doing the time when this account was in Bankruptcy. I filed a XXXX  XXXX bankruptcy XX/XX/XXXX and was given a 48 month repayment plan. I successfully completed this plan and was given a discharge in XXXX of XXXX. Ally financial was included in this bankruptcy and all plan obligations and payments were met and I was given a discharge. I continue even through my bankruptcy to make payments as agreed. Once my bankruptcy was closed and XXXX. XXXX XXXX reported that my account was late more than XXXX  days. They can't do this. This is in violation of the bankruptcy laws. I have spoken to Maryland XXXX XXXX who advise me to file these disputes. Both time the dispute come back and the credit bureau changes wording or remarks to my credit report but doesn't remove the XXXX late that is still showing on my credit. I successfully completed my bankruptcy and been making all my payments to my creditors on time. My credit score has gone up as a result. NOW my credit score has gone down tremendously because of this reporting. They couldn't report my account late because I was in bankruptcy and they sure can't report it now because those months I was clearly in a active bankruptcy this is a violation of the bankruptcy laws. Please refer to the documents I already submitted it my previous dispute and now my bank receipts showing payments being made to XXXX even during the bankruptcy I couldn't be XXXX  days late. This time period would be while I was in a active bankruptcy and payments were made therefore they can't report this. This is illegal.
Product: Debt collection

I received a notice that my credit score changed dramatically due to a new collection account from XXXX XXXX. This collection account was reported by " MRS. BPO '', and showed an owed balance of {$840.00} to a Texas based electronic company named " XXXX XXXX ''. After calling XXXX XXXX, they told me that they have an account under my name with my Social Security number attached, and that I do owe them for using their services. This is simply impossible, as I have never owned a home, lived in or even visited Texas for any reason or amount of time, nor ever heard of either company. After attempting to dispute with XXXX, they ultimately determined that I still was responsible for the payment. XXXX XXXX has flagged my account and asked me to give them a Completed Trade Commission Form, along with a Police Report so that they can start their own investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the Metro 2 Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : 1. XXXX XXXX XXXX XXXX Under the Metro 2 Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

It is imperative that you adhere to the Metro 2 Reporting Guidelines in examining each disputed item. 

In accordance with the Metro 2 guidelines, I request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the Metro 2 guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

I kindly request that you carry out the deletion process within 3 business days to comply with the guidelines. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting.
Product: Checking or savings account

A man by the name XXXX XXXXXXXX stole my phone and used my virtual chime card to make {$730.00} worth of deposits to his casino account at XXXX XXXX
Product: Credit card or prepaid card

I applied for an avant credit card and was APPROVED for {$1000.00} credit limit. My current XXXX score is XXXX, my salary is {$38000.00} and i submitted proof of address to verify my identity. There are no accounts in collections on my credit. My XXXX XXXX FICO is much higher than most of their applicants. My aunt was just approved for a {$500.00} card and she has a bankruptcy on her credit and her score is only XXXX. My uncle was approved for {$1000.00} as well and his XXXX XXXX FICO score is only XXXX. We all applied the same day and at the same time. 
After i sent in my proof of address, I called and spoke with an agent who confirmed my approval and stated he had to hang up and call me right back to verify my phone number. I waited but never got a phone call. Two minutes later, I received a retraction of my approval from XXXX stating adverse action. I called back and demanded to speak to a supervisor and was transferred to a XXXX, who claim she didnt have an operator ID. I explained to her the situation and she laughed, stating, " we never approved you for anything. '' HOW RUDE!!!! I have a screen shot below of my approval. It's valid because when my grandmother applied, she was instantly denied. So, i know there is nothing faulty with their approval system.
Product: Vehicle loan or lease

I purchased the 2015 XXXX from XXXX XXXX in XXXX XXXX. I had a trade in a 2013  XXXX XXXX. Balance XXXX. The 2015 XXXX was listed for XXXX. I had. XXXX credit score and did a trade in they made my interest rate 11 % plus I am paying for gap insurance and their loan is charging me a daily rate on the loan that I was not told about. I am paying XXXX at the end for a XXXX car plus I had a trade in. How can this be. I have been paying since last XX/XX/XXXX {$420.00} a month the balance showed XXXX in the beginning and right now it showing XXXX??? How can that be if I have been paying for over a year XXXX my balance should be way less owed. This is USUARY and a disgrace I did not sign for this type of loan. I had TD bank with my charger at 5 % interest now I have this car with a. Daily rate and 11 % interest. I want this redone correctly. I am not being used like this please help me get to the bottom of this dealership scam and finance company. I should owe less on my car and I want it fixed. The dealership is using tactic making you wait for hours signing he document then the bank write you and say something different. I want a regular 62 month loan no daily rate XXXX. I want all my payments credited towards my balance.
Product: Credit card or prepaid card

Im writing to you because I noticed that my credit report contains a closed account reported recently for my Selflender/ XXXX account. I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to cancel my subscription. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify. 
I am humbly asking for you to remove this account. I would greatly appreciate it!
Product: Checking or savings account

I'm was in my XXXX XXXX immediately after completing XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and I received a late night text from someone pretending to be a XXXX XXXXXXXX. They referred to themself as XXXX XXXX XXXX. They asked for my social and account number. On phone call, he was asking your pay and that supposed to be higher. I thought he was from my XXXXXXXX XXXX. he said I would be eligible for back pay because I wasn't receiving enough pay. He convinced me to send the pay I received as proof of the amount I was receiving so he could send me the correct amount I should be receiving. He sent me a cash app request from XXXX in the amount of {$1900.00}, and XXXX is the company who pays me, so I approved the amount. But it didn't go through. Then I received a second cash app request from XXXX for the same amount, and I approved it. Then I quickly realized my mistake and called my parents, who then called Wells Fargo and reported what happened. Wells Fargo has been investigating the fraud since that time, and just informed me on XX/XX/year> by letter that they " completed their research ... and the provisional credit of {$1900.00} ... has been made final. Then I learned on the same day that Wells Fargo reversed the charges in my cash app account putting it into a negative of {$1900.00} without any notice or authorization from me.
Product: Debt or credit management

I signed up with Five Lakes Law Group to help me get my credit under control and settle some accounts. At the time, I was not delinquent on anything, but I knew it was getting tough to pay. So we set up a plan and I started paying them directly thinking they would settle with creditors and that would be that. They NEVER said they would not pay any one for months and then tank my credit and even have some put me in collections!! This has been going on for almost 2 years now and there is one particular account still showing on my credit as collections even though on Five lakes it shows they are making payments to them. I have tried to fight it on my credit to say the info is false since payments are being made on it but I keep getting denied. I have demanded that Five Lakes contact the creditor to have them remove it and they tell me that can not, even though it is being paid on! I want it removed from my credit, and I want Five lakes held responsible for their false, misleading objectives, and destroying my credit!
Product: Credit card

I paid my credit card bill in full before the due date ( XXXX statement ) and now the credit company is charging me interest ( XXXX statement ). They said they continue to charge interest until they receive the payment even though I paid the account in full by the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accounts that are 7 years old and older keep showing on the report. Items that have been paid are still showing as negative. My credit score is being affected with the COVID-19 Crisis and that is not fair to the consumer. Credit scores should not be dropping during the pandemic.
Product: Checking or savings account

My access has been limited to my money market account due to an issue with my wife 's account at Capital One 360. I have contacted the security department to close my account and give me access to tax forms that they have issued electronically. They refuse to do either until they speak to my wife who is not the holder of this account. The are essentially holding my funds and my tax documents hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI CARDS/CITI BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.
Product: Mortgage

I have been dealing with so much from The Money Source their customer service has been extremely difficult for me they have dropped the ball on my loan and compromised my loan Most every time I call they dont know what I am speaking of concerning my mortgage and that I need to fill out a loan modification and my loan is in foreclosure simply because they did not record any procedures that went on during Covid forbearance. Even before Covid they have been unreliable customer service not keeping track of any of the calls I made. Every time I called talking to a different person I dont even think the same people work there week to week. I regret the day my loan got sold to them from one of the best companies I ever had by default In XX/XX/XXXX I called to reinstate my forbearance and they said I did not call in XX/XX/XXXX to do that in the first place and that my loan was in foreclosure and then I had to fill out a loan modification I was not prepared to do that at all and then when that went through they said my dates that I sat down and sign with the notary did not match so then I had to fill out another packet and then within two weeks they had expected me to make a payment when all I wanted was longer forbearance I am still having a hard time finding a job and I have decided to open my own small studio in some suites to make more money and be in charge of my own money I do not want to lose my home I do not want to lose my car Im behind on my homeowners association payments and they have a lien on my property I have been through XXXX since Covid XX/XX/XXXX I lost my job of 13 years and I can not get a refinance because of my credit it has really been a disaster I just want to start my own business and make my own money. If I could access money I could do that. Every company I have worked for has stolen tremendous amounts of money from me therefore I do want to work for myself now. I have been let go because of lack of professionalism on the part of the business and I cant even collect unemployment. I have a equity in my home I do not want to lose my investment it is all I have. I have worked hard all my life to get where I have gotten and I dont want to lose everything and every day I am in a panic that I am going to get everything taken away from me. My mortgage company has not helped with that as now they are sending me default letters after only a month. I called and told them what was going on and they told me to fill out yet another loss mitigation packet I can not take it much longer. I do have an application in with XXXX I do not know know how long that will take. But I just need some time this has not gone away. Covid is still affecting my life very much it just snowballs. Just because it goes away in the world doesnt mean the bills got caught up they just snowballed. I am very behind on everything and I am about to lose my car as well I do not know what to do please help me.
Product: Debt collection

During COVID pandemic in 2019, I contacted CapitalOne to settle balance due to lack of work and no funding to cover full amount. Capital One responded it was not interested in any partial payment. It Continues billing me despite my request to close out the said account.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX I was never late on ( XXXX, XXXX, XXXX, XXXX AND XX/XX/year> ) on this account please update the account as Paid/Current. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX has violated my rights XXXX 

1 5 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