23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a submission regarding the same incident indicated in complaint XXXX. EXPERIAN responded to the complaint indicating unauthorized use or some kind of 3rd party. I called EXPERIAN today XX/XX/XXXX to provide verification of my identity. I spoke with a representative, XXXX, who helped me with this matter. XXXX told me EXPERIAN believes they are not civilly liable to me in this matter. XXXX verified my identity, and confirmed that I am the authorized user on this account. There should be no claim by EXPERIAN in regards to any kind of authorization or third party use moving forward. XXXX verified that the account in question was deleted directly after my initial dispute, further proving EXPERIAN 's negligent behavior and willful noncompliance with consumer protection laws. I notified XXXX and EXPERIAN to notate my account with with fact that I called in and verified my identity, as well as the fact that I will be filing an additional CFPB complaint. See initial complaint below : On XX/XX/XXXX I disputed an alleged account # XXXX XXXX XXXX XXXX with EXPERIAN. EXPERIAN reported this inaccurate, incomplete, and unverifiable information without first investigating the validity of the claim by XXXX XXXX XXXX as they are required to do by federal law. EXPERIAN caused me financial injury and defamation of my character by reporting this incomplete, inaccurate, and unverifiable information. EXPERIAN deleted this alleged account from my report due to my dispute report number XXXX. EXPERIAN is civilly liable to me in the amount of {$4000.00} ( XXXX XXXX dollars ) for their willful and negligent noncompliance pursuant 15 USC 1681n and 15 USC 1681o I demand to invoke my specified remedy provided to me as a consumer and natural person protected by 15 USC Chapter XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX A Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I looked back on XX/XX/year> and noticed some things are still incomplete and not accurate. 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. 
I sent a letter asking them to reinvestigate these accounts listed below because : XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate and is reporting under another company as well which has an incorrect balance. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX 13-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXXXXXX XXXX ( security credit ) XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

XXXX XXXX XXXXopen date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX-open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

My name is not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2015. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), 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. 

I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I seek your help in addressing this mistaken account on my credit report. It has severely impacted my reputation, and I require your support. Your improper reporting has caused major damage to my standing, and I demand you remove this incorrect data from my credit report.
Product: Debt collection

I have sent 2 letters to this company requesting documents to prove this debt belongs to me. After 90 days, no reply.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/year>
Product: Credit reporting 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 for 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, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Transunion RE : ACCOUNT NUMBER XXXX, ( ACCOUNT NUMBER XXXX ) Dear Transunion Consumer Relations Team : I am a victim of identity theft. The items ) listed below, which appears on my credit report, does not relate to any transaction ( s ) | have made. It is the result of identity theft. 

XXXX. XXXX XXXX XXXX ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX XXXX ( ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX, Inquiry Date : XX/XX/XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. Inquiry Date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifi cations to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill & Social Security Card Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mismanaged my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk for a lifetime of identity theft/fraud due to negligent security protocols in handling consumer information.
Furthermore, they have been attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit card or prepaid card

On XX/XX/22 my credit card account was closed without any warning. I didn't know until I tried to use my card and it was rejected in 2 places. I did call them to ask about my card being shut down and was told to wait for the rejection letter and then I could talk to somebody for help... On XX/XX/22, I received a letter as to why and the reason is this. " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of FUTURE intention not to pay. '' Nonsense... In the meantime when they shut down my account they kept my XXXX cash back I had acquired since last XXXX and said I can't have it back. I have never missed a payment and have a credit score of XXXX. 2 times I had made an early payment where they had my payment for over XXXX weeks but didn't post it so I could use the card again. I did have large purchases but they were always paid early. I didn't care as much about the card being closed but that they took my XXXX and kept it saying that's the way it is. The agreement was that this was a cash back card and I used it for this reason. I did talk to a supervisor named XXXX and he was no help at all. Didn't explain what was happening and actually seemed bored. He hung up on me. After XXXX, I decided to call corporate. They don't really have a corporate so I think I called the main bank of Synchrony and I was directed to XXXX. He was kind but said the same that I can't get the rewards paid to me. He was going to send a request in and I was told to wait a month and call back at that time. Not enough for me. Who needs a month to help me out.
Product: Checking or savings account

I personally Called ( Bank Of America ) on XXXX XXXX to inform them that i noticed a transaction was done on my account that i had no knowledge of. I informed them of Account Withdrawal of {$15000.00} that was done from teller. Upon bringing this to their attention. I had to recieve new account information as well as have a new card sent out. Also my Current account went into the negative over {$1000.00}. Also Which i brought to their attention as well. I was connected to the Fraud Department all access to my account was frozen for my protection. I Have Recently under the rights of the Consumer process that within If the bank or credit union cant complete its investigation within ten ( or 20 ) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate.

In certain circumstances, however, it does not have to issue a temporary credit. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation.

The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account. None of the following process has been followed as well as the process being reflected on my account or while this is being open.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is reporting this collection as an " OPEN ACCOUNT '' XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : COLLECTION ACCOUNT Contact Info XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Open Account XX/XX/XXXX XX/XX/XXXX {$630.00} XX/XX/XXXX 0 % {$630.00} S633 Individual Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX  SSN # XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account with American Express for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Transunion ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the accounts are accurate but have not produced any documents. There is no way that these tradelines is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.
Product: Checking or savings account

Chronology of Contacts with Ally XX/XX/XXXX transfer request for IRA in amount of {$68000.00} was initiated via facsimile XX/XX/XXXX Ally called to say signature faint XX/XX/XXXX transfer request resent with dark signature XX/XX/XXXX multiple calls to Ally told signature faint. Eventually told Ally said signature faint. Left numerous messages for spoke with XXXX, XXXX, XXXX XXXX, XXXX, XXXX. No phone calls returned on XX/XX/XXXX Executive leadership team would call with 1-2 business days. 

XX/XX/XXXX Resent transfer request for third time via XXXX  overnight delivery. 

XX/XX/XXXX spoke with XXXX XXXX XXXX- no idea where the transfer request is. According to XXXX Transfer request was received by Ally on XX/XX/XXXX @ XXXX XXXX 

XX/XX/XXXX spoke with XXXX who assured she would follow up but had no idea where the transfer request form was. 

XX/XX/XXXX spoke with XXXX, XXXX- no idea on where the document was. 

XX/XX/XXXX spoke with XXXX who was trying to find out if transfer request form was in the mail dept., imaging dept., operations dept., transfer dept. she promised to call back in 15 minutes. Did not call. 

XX/XX/XXXX spoke with XXXX - no idea where document was - refused to take a message for XXXX or any other supervisor to call back. 

XX/XX/XXXX spoke with XXXX - form received yesterday and is being escalated for processing. 

In the course of this issue, messages were left for and requested phone call returns were requested from multiple people, including general supervisors, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Other than XXXX on 2 occasions, no phone calls were returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) This account OFFICE OF THE ATTY GEN : XXXX # XXXX is in violation, not reporting 100 % accurate It lists the Child support Court as the furnisher, thats forgery and misleading when the courts do not report this type of accounts, it also lists this account as a loan, which I never requested, received or sign for. 

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.