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

I am submitting a formal complaint regarding Experian and my inability to access or update my online account. On XX/XX/year>, I sent the following documents to Experian as requested to resolve an issue with my credit report and online account : a copy of my birth certificate, my Social Security card, a state-issued ID, a written statement of my current address, and a bill showing my current address. I was informed by Experian that these documents were necessary because my account was showing as unscorable, and I was unable to access my credit report online. Additionally, my credit report is not reflecting any of my current open accounts and incorrectly indicates that I do not have any open accounts. 

Despite submitting the requested documents over XXXX months ago, as of XX/XX/year>, there has been no update to my account or credit report. I have not received any further instructions or notifications from Experian regarding my submission or account status. This unresolved issue has prevented me from accessing my credit report and monitoring my financial information, which is critical for managing my credit and financial health. The lack of accurate reporting on my open accounts also poses significant challenges in ensuring the completeness and accuracy of my credit profile. 

Based on my research and the situation I have experienced, I believe Experians actionsor lack thereofmay violate several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has failed to investigate and address my submitted documents within the required 30-day timeframe as stipulated under Section 611 of the FCRA. My credit report does not reflect my open accounts or current financial activity, which suggests negligence in maintaining accuracy, a violation of Section 607. Additionally, Experian has failed to respond to my requests to verify and update my credit report, potentially breaching Section 609. Furthermore, Experians lack of action may qualify as an unfair or deceptive act under the Consumer Financial Protection Bureaus ( CFPB ) guidelines for consumer protection. 

I have contacted Experian customer service on multiple occasions but have not received any meaningful updates or resolution. When I managed to get on the phone with a representative, I was often transferred or told that I had called the wrong number. This process has become increasingly defeating due to the time it takes to even reach someone. The automated service does not allow direct access to a representative and repeatedly forces me to select options that the system is programmed to handle, which do not address my specific issue. It feels unfair to consumers who need to speak with a representative for problems not covered by the automated prompts.
Product: Mortgage

I requested the private mortgage insurance be removed since I am now at less than 80 % loan to value based on the original appraisal at the time the loan was refinanced. 

I was sent a letter that I can't have the pmi removed until I obtain a new appraisal or the loan reaches a loan to value of 75 % The letter I was sent regarding the removal of pmi was different than the terms I was sent from the original lender indicating I would have it automatically removed at 78 % The loan is a 15 year fixed and would be at 78 % based on a normal amortization period in 4-5 additional months which is the same as paying for a new appraisal from their vendor The loan was closed in 2016 and they didn't indicated I was now subject to the Homeowner 's Protection Act of 1998
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen dating back to 2014 Someone uses applies and has obtained credit in my name with out my consent.
Product: Prepaid card

Bank of America keeps dropping the ball with my act not only have I submitted every they can possibly request to prove my claim I sent them a demand letter along with a signed affidavit saying that that my act was compromised and trying to get then to give me my money back this is after I had already had to fight to get back the XXXX  part of my claim that took me XXXX years and countless hrs on the phone trying to get it fixed I file I'd theft reports what more do I need to do to just get mmback what Money is rightfully mine? This is crazy that I'm going thru this yet again I'm just not sure what I need to do in order to get then to return my money and I need help they need to just make this right and stop putting me through all this unnecessary stress
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit Report under my social was my Mom 's name, I was listed under AKA my name and my sister. 
ALL of the information is incorrect!! 

Was on the phone all day yesterday to fix it. They said they corrected it. Now my credit report show 's my name but as my sister 's name affiliated with my social security number. 
AKA lists my name and My sisters ( twice ) with her first name then with her Middle name. 

There are several address and loans. All the Addresses and loans are a combination of my mom 's my sister 's, one address is mine and it does show my mortgage loan. The address and Mortgage are the only correct things of mine. 
It shows Their bank accounts, their loans and phones, my sister 's student loans and cars ... .and XXXX  all credit reports run. 

I own one house I have one car- paid off, no loan I have only one mortgage I have worked only one job in the past 20 years I don't have any credit cards or student loans I have one phone My only bills are my mortgage, my utilities and my cell phone. 

Identity theft is apparent on Experian- All the address, phones, loans are in my name- All address are in Virginia, except one in Alabama which is my Mom 's wrong address number correct street address.. 
My mortgage is shown ( never late ), others mortgages are on it as well. Loans, credit cards, different Bank accounts all from Virginia, Connecticut and North eastern banks. Credit and delinquent loans under 6 different po box es in Virginia. I do not know any of them. 

This is an obvious Identity theft situation that is serious. Thousands of dollars and accounts, loans, credit cards in My name!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. The consumer reporting agencies should report all information the complete accuracy. I've attached a copy of the report to this complaint showing the dates ( XX/XX/year> ) ( XX/XX/year> ) ( XX/XX/year> ) I need the late payments removed from my Transunion credit report. My account is paid up to date so I would like for my credit profile to be updated to show no late payments. Thanks for your understanding & I hope you have a blessed day.
Product: Vehicle loan or lease

Hi, I hope all is well with whomever handles my case. I paid off their car refinance loan in XX/XX/XXXX with Bridgecrest ( XXXX ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. However, even though I called Bridgecreast several times in XXXX and XXXX for the remainder of the residual funds on my account post payoff, they never contacted me. Furthermore, I even tried to login and pull up my old account, but they appear to have deleted it. My account ended in the last XXXX number XXXX. Bridgecrest practices deceitful business practices towards their consumers. Therefore, I am requesting my refund amount from them. This is the reason I am them to your company. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Called in about my items on my credit report not showing on report and asked why are they not showing. I also asked the rep to help me and they hung up. This is the XXXX time calling in about this. Im not getting no help as I have asked and Im paying them for membership {$40.00} a month. All the reps or foreigners and in a call center with noises in the back. And not here to help us! 
Then after they hung up they always send emails as if the problem was solved and its not, directing you to the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : TransUnion, XXXX and XXXX. <P/>I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.
Product: Money transfer, virtual currency, or money service

I had several accounts opened in my name. In the end they closed my account for suspicious activities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : XXXX for XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to request your urgent intervention in the matter of persistent inaccuracies in my credit reports as maintained by XXXX, XXXX, and Equifax. Despite multiple disputes and the submission of sufficient documentary evidence confirming the discharge of my student loans under the XXXX XXXX XXXX program ( XXXX XXXX XXXX XXXX ), these agencies have failed to update their records accurately. This ongoing issue is detrimentally affecting my credit score and my ability to access financial products. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts were XXXX due to recognized deceptive practices by XXXX XXXX, and this discharge is supported by formal letters from XXXX XXXX XXXX, acknowledging the forgiven status of these loans. 

Enclosures : Discharge letters from XXXX XXXX XXXX. 
Copies of all disputes submitted to XXXX, XXXX, and Equifax. 

I request the CFPB 's immediate review and intervention to ensure that these discrepancies are corrected in accordance with federal regulations. Your assistance in this matter is crucial and greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

We have been attempting to set up automatic payments to PNC Bank on Home Equity loan # XXXX. We previously had this set up but stopped when we experienced a drop in income for VA Disability. After a 19 month battle the VA decided in our favor increased the monthly disability and paid a settlement to us. I have been trying to get PNC to reestablish autopayments but only get form letters. Critical information on our loan and property. Our 1rst Loan with PNC Mortgage is for {$500000.00}, this Home Equity is {$110000.00}. Per the PNC appraisal the home is only worth {$350000.00}. This debt was also discharged and not reaffirmed in my 2007 Chap XXXX Bankruptcy. PNC wrote off the debt. There is no equity for the PNC Bank Home Equity 2nd lien. Despite all of this we are willing to make payments via auto deduction but PNC employee 's don't know how to assist. We ask PNC to reestablish the auto payments or completely forgive the loan and release the lien on the property
Product: Credit reporting, credit repair services, or other personal consumer reports

All other reporting agencies al have deleted XXXX XXXX system from my report. I have no contract and agreement with this entity. However Transunion has not. XXXX XXXX XXXX, has been deleted and the reappears in hours on my credit report, for Transunion, XXXX, and XXXX, although I have acknowledged this is a fraudulent account. This first appeared over 10 years ago, however now says opened XXXX. Ive never had an account with this entity or the company they purchased or were sold data from!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items as detailed below that are currently reporting on my consumer report that is a result of identity theft. I have never given written consent nor written instructions for the identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C 1681b this company does not have a permissible purpose to report this information. I am asserting that I believed this company obtained my personal nonpublic information by way of aggravated identity theft and in accordance with 15 U.S.C. 1681c-2 they must block the reporting information that is identified as a result of identity theft no later than 4 business days after the date of receipt.

My demand to block this information is not being made in error nor is this demand being made on the basis of misrepresentation of fact. The transactions are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I demand the following inquiries be blocked and deleted as well. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is also reporting addresses that I have never lived at and phone numbers that I have never had. There are also inaccurate spellings of my name that are not accurate. XXXX is required to report accurate and complete information and the below information is not accurate. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX PLEASE SEE ATTACHMENT FOR IDENTITY THEFT REPORT AND IDENTITY THEFT AFFIDAVIT.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a hard inquiry from XXXX XXXX from XX/XX/XXXX that was removed XX/XX/XXXX but their re showing it in XXXX even though it was removed in XXXX by XXXX XXXX and reported to XXXX and also removed by XXXX and also XXXX XXXX. But now both parties are showing it which is against the fair credit reporting act This hard inquiry didnt show all XXXX and even at the end of XXXX! U cant dig up old hard inquiry that have been removed and reapply them I will ask that the cfpb note my complaints on XXXX XXXX, XXXX XXXX, and XXXX XXXX  as reference and proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX located in XXXX, Illinois is reporting an unpaid account on my Chex Systems consumer report ID : XXXX, the unpaid account is a fraudulent account and is not my account. I never applied for or opened an account with XXXX XXXX XXXX. The unpaid account is a fraudulent account. I am a victim of identity theft and have a current police report on file with Chex Systems.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX KY XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Email : XXXX TransUnion, XXXX XXXX XXXX Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Money transfer, virtual currency, or money service

I was a victim of financial fraud on XX/XX/ for two transactions. One for {$990.00} and {$1400.00}. I was attempting to call a help desk to login to a phone app I was not able to login in. Assuming I was speaking to the right person, the person on the line convinced me that I was already a victim of fraud and that I needed to make these transactions to resolve the issue. Confused with the circumstance, they convinced me to make these two transactions to XXXX XXXX using my XXXX PNC mobile app with nothing in return. I do not know this individual, and I am now out of {$2400.00} that I desperately need. I have been stolen from and tricked into sending money that I never wanted to send and PNC will not reimburse me. Please help me.
Product: Credit card or prepaid card

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on AMERICAN EXPRES dated XX/XX/2006 ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As required by law, XXXX is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XXXX/XXXX/2022, XXXX " verified '' the alleged debt with XXXX XXXX XXXX XXXX. The debt with XXXX is listed as " charge off '' but XXXX has failed to EVER provide me with a 1099 for that charge-off and is therefore in violation of federal law by " verifying the debt '' and XXXX is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the XXXX alleged debt account be removed permanently from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Block and delete accounts from credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX  XXXX # XXXXon my credit reports with XXXX, Equifax, and XXXX. The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Furthermore, my account information appears to have been shared with collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified 1. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : XXXX : Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Was XXXX Days Late XXXX Time Equifax : Was 30 Days Late XXXX XXXX Was 60 Days Late XXXX Time Was 90 Days Late XXXX Time Was XXXX Days Late XXXX Times XXXX : No late payments reported Violations and Impact The discrepancies in the date last active, date of last payment, and payment history between the credit bureaus are blatant and damaging. The inconsistency in reporting late payments, with XXXX and Equifax showing extensive late payments while XXXX shows none, highlights the severe inaccuracies. Additionally, the unauthorized sharing of my account information with collections is a violation of my privacy rights. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this standard. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sharing of my account information with collections without my consent constitutes a breach of my privacy rights. This involves disclosing sensitive information to third parties without proper consent or authorization.
Product: Credit card or prepaid card

Pay pay sent tect they charged me over {$27.00} for a purchases i dont know about and ask me to call about it. I think its fraud activity so i did not communicate with them see attached screen shot of text