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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Narrative Complaint Against Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding their inaccurate reporting practices, which have adversely affected my credit profile. My experience with Experian has raised serious concerns about their compliance with the Fair Credit Reporting Act, particularly the provisions ensuring accuracy and fairness in credit reporting.

I reviewed my credit report from Experian and noticed discrepancies that I believe violate 15 U.S. Code 1681. Specifically, Experian failed to update my credit report to reflect my timely payment made in XXXX for my credit card account. Despite my account being reported on the XXXX XXXX XXXX XXXX, the XXXX payment was not reflected, leading to a negative impact on my credit score.

I have made several attempts to address this issue directly with Experian through their dispute resolution process. However, my efforts have been met with inadequate responses, and the inaccuracies remain uncorrected. This situation has not only affected my credit score but has also hindered my ability to secure financial products that depend on a fair and accurate credit report.

As a consumer, I rely on Experian to provide accurate information that reflects my creditworthiness. The lack of proper reporting not only undermines my financial stability but also violates the principles set forth by Congress regarding the necessity of accurate credit reporting for the functioning of the banking system.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian adheres to the requirements of the Fair Credit Reporting Act. Furthermore, I urge you to facilitate the correction of my credit report to reflect the accurate information regarding my payment history.

Thank you for your attention to my complaint. I look forward to your swift response and resolution of this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

Well my score dropped a lot of points how come?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a list of disputes on my report that was ot resolved as " verified '' per the FCRA. I disagree with the following information & have been requesting the items be deleted due to teh inaccuracies. In addition to the information being inaccurate, I have requested 10 times now a " METHOD OF VERIFICATION '' from Experian, which I have not gotten. 

1. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Terms is reporting incorrecly as 89 months, which it is suppose to be 72 months. 
Reason # 2 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Monthly payment is being reported as {$0.00}, but if that is the case then the late apyments needs to be removed or the account needs to be removed from credit report. 
4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 
5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 
6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 

I've tried to handle things with the CRA themselves, but Experian has been difficult and given me a difficult time regarding these errors. Accounts needs to be deleted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX / midland credit management is reporting as a collection item. I have no idea what this is for. I do not owe midland or XXXX anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that I do not recognize. I am certain this is fraud related as I have already put a security freeze on one of my reports from the credit bureau in hopes to stop this from happening over and over again
Product: Credit reporting or other personal consumer reports

After multiple attempts to validate the debts with XXXX XXXX XXXX and XXXX XXXX, neither has provided validation. Experian refused to remove the accounts. According to 15 USC 1692c, Experian violated my rights through unlawful communications. Additionally, under 15 USC 1692e, false, deceptive, or misleading representations are prohibited, and under 15 USC 1681s-2 ( b ), furnishers must conduct a proper investigation. Please remove the collection accounts and provide the method of verification per FCRA 1681i ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this CFPB complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information that are listed on an IDEDNTITY THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts and information which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Chime is picking on the XXXX people they told me to add more drict deposit and I can't do that because I'm XXXX and on XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I was awarded a gift card from work for {$200.00}, I used it once for {$16.00} at XXXX XXXX. That was the only time I used it. Two weeks later there was a transaction for {$180.00} with the description of " PAYPAL XXXX XXXX XXXX XXXX XXXX XXXX this is nothing that I am familiar with at all. PayPal " help '' gets you nowhere especially since it was not on a PayPal account. Is there anything that can be done? Thank you for your time.
Product: Debt collection

My XXXX  does not show any negative amount and i closely look at all my transaction almost everyday. I have received a letter from ACI that i owe them {$10000.00} coming from XXXX , XXXX as the Creditor.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be  forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

I disputed some transactions that were on my account and this dispute wasnt resolved it was not even explained why it wasnt resolved and went through a lot of trouble and then after they proceeded not to fix that and gave me lots of grief Ive spent probably 20+ hours on hold for this issue well I noticed that after my last call with them on the XXXX I wasnt able to view my statements any longer this went on for almost a month and I contacted them twice got hung up on and what not well then my statements came back upon available and they are not the same as my original statements their refunds that should have been refunded and what not
Product: Credit reporting or other personal consumer reports

I have reached out to transunion, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX XXXX not aware of.
Product: Credit reporting or other personal consumer reports

I called Equifax to get my credit report on XX/XX/2024 and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose According to 15 USC 1681Ib, I Also attached my credit report and letter showing that Equifax is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX MULTI-SPECIALTY GROUP ) XXXX Balance : {$760.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX CO XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I've lost my information back in 2019 and i didn't pay mind to it and a few years later im checking my credit score and seeing a lot of inquiries that i have not done. when i check i see my rights are being violated because there are reports on my credit that i have not done which is highly impacting my credit and i'm not sure how to approach this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Managment is reporting a fraudulent account on my credit. I contacted XXXX XXXX and informed them that I dont have an outstanding account with XXXX. They said that I could either file a fraud claim which could take 45-90 days or I could pay the {$38.00} balance, and the collection account will be removed from my credit.

Upon contacting Credit Managment, they informed me that XXXX didt communicate to them that this account needs to be removed and they are refusing to remove a fraudulent account from my credit. Please see the attached FTC report and remove this account from all 3 bureaus.
Product: Student loan

FH McCann Att XXXX XXXX XXXX XXXX XXXX has been harassing me by calling my workplace after being asked not to. This has gone on for years. Please help, they are seriously damaging my work reputation, telling anyone information they should never be allowed to. 
XX/XX/XXXX
Product: Mortgage

My home insurance policy ( XXXX ) was due to be paid out of my escrow account ( Rocket Mortgage ). I checked my dashboard on my Rocket Mortgage account, and it a banner stated that my home insurance was going to be paid. 

On XX/XX/XXXX, we received notification from our insurance broker that our policy had not been paid, and was about to be cancelled. I called and spoke with Rocket Mortgage, and the agent said that when they acquired my loan in 2021, they tried reaching XXXX to inform them that they were our new servicer but had not heard back from them. The Rocket agent called over to our broker and was able to switch the servicer within 60 seconds using the automated system, while I was on hold.

The check was sent out via USPS to XXXX- for which we are still waiting for this to be credited. ( Our policy lapses on XX/XX/XXXX. ) I noticed that because this payment was not sent, we incurred a {$15.00} late fee from our insurance company. When pressed for reimbursement, Rocket Mortgage told us to contact XXXX. XXXX has told us to deal with Rocket Mortgage. 

It is my belief that since Rocket Mortgage ( 1 ) has the fiduciary responsibility to pay this bill on time from our escrow, ( 2 ) failed to secure themselves as the servicer of our loan with our insurance company in a timely manner, and ( 3 ) failed to perform a function of their role, this fee should be their responsibility and not a penalty that I should be forced to burden by them. 

I appreciate your assistance. 

Thanks, XXXX
Product: Debt collection

Capital Link Management sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I tried to submit an Amended Annual report for the State of Ga for my business and at the end of the submission they use Experian 's Identity Proofing Service. After normorus tries in submitting my information, I kept getting locked out my account. I finally called the Secrectary of State for GA and was advise to contact Experian. I tried several times to contact Experian via phone to speak to someone and their automated services would not allow me to speak to a live person. I called XXXX, XXXX, and XXXX and all would not direct me to a live person to speak to about an issue with their verification services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks XXXX!
Product: Credit reporting or other personal consumer reports

am writing to dispute the following information that your company supplied to XXXX, XXXX and XXXX ]. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item [ for instance : retailer account XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX is inaccurate [ or incomplete ] because [ describe in detail what is inaccurate or incomplete and why ] I am requesting that XXXX, XXXX and Equifax have the item removed or request another specific change to correct the information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX