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

I am writing to file a formal complaint against Experian for reporting inaccurate and fraudulent information on my credit report. The following account appears on my report without my knowledge or authorization, and I suspect it was added as a result of identity theft : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX XXXX ) - **Account Number : ** XXXX - **Account Type : ** Collection - **Responsibility : ** XXXX - XXXX Opened : ** XX/XX/XXXX - **Status : ** Collection account. {$190.00} past due as of XX/XX/XXXX. 
- **Balance : ** {$190.00} ( Updated XX/XX/XXXX ) - **On Record Until : ** XX/XX/XXXX This account was fraudulently opened and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX  XXXX, Experian is required to remove fraudulent information from a consumer 's credit report within four business days of receiving notice of the identity theft. As a XXXX individual, these errors are causing me significant hardship and are a violation of my consumer rights. 

I have provided all necessary documentation to substantiate this claim and request immediate removal of this account from my credit report. Failure to address this issue promptly is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ) and California Consumer Credit Reporting Agencies Act ( XXXX Civil Code 1785.16 ). 

Please confirm the removal of this fraudulent account from my credit report and provide me with the method of investigation used. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I submitted a two part claim and after just 1 day I received a notice saying they detected no error on one of the two claims and denied it. I then decided to file a police report regarding the matter. Now im not receiving any response or communication. This first claim is for {$600.00} The Next claim is for {$900.00} and im still yet to even receive a email that its processed. Anytime i ask to speak with the claims department they say its its own third party agency and that i can not talk to them. I provided every possible document i can physically offer and a police report ontop of it.

The fact they denied the first one so fast and still have yet to receive an update on the second one is not okay. This money was fraudulently stolen from me and now im stuck having to survive off {$0.00} in my bank account for weeks as a struggling college student working XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of the unauthorized accounts from my credit report. I did not initiate these accounts, nor do I have any knowledge of their origins. As per USC 1681g, I am formally requesting their deletion within 15 days. The relevant documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm getting increasingly more disappointed with your organization. After discovering these blunders being accounted for on my credit report I have made the essential strides to illuminate all of you regarding the mistakes. By and by all of you are not doing your part to determine my issues. My family and I are getting exceptionally fretful. My lawyer advised me to send this letter to alarm you these blunders prior to making a legitimate move. I'm an individual that goes to work ordinarily to ensure my family have equivalent freedoms actually like every other person. I'm a shopper that will not be a survivor of provocation or misuse. As indicated by 15 USC 1692d 1. ( 1 ) the utilization or danger of viciousness or other criminal intends to hurt the actual individual, Notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Detailing bogus data on somebody's credit report is unfavorable to a shopper 's standing. Sending letters an endeavor to gather obligation from a shopper who obligations don't have a place with is likewise a type of provocation which is another infringement of 15 USC 162d 1. ( 1 ) Continually sending letters that has images of an obligation authority outwardly of letter is an infringement of the utilization or Danger OF Brutality or other criminal intends to hurt the actual individual, notoriety, or property of any individual ; is an infringement of the Reasonable Obligation Assortment Practice Act. Additionally as indicated by 15 USC 1681 ( A ) Precision and decency of credit announcing The Congress makes the accompanying discoveries : ( 2 ) An intricate system has been produced for exploring and assessing the credit value, credit standing, credit limit, character, and GENERAL Standing OF Purchasers. You can survey my acknowledge report as proof to see that my standing indeed has been demolished. This part unmistakably says that a customer 's credit report was set up to recognize an Overall Standing OF Purchasers. Likewise, I expressed before I was a casualty of the Equifax Information Penetrate.
Product: Debt collection

XXXX XXXX sold my settled debt to a debt collection company after I had already settled and paid for my debt. The settlement and payment was for the amount of {$5800.00}, and the terms were agreed to on XX/XX/2020. I have contacted XXXX XXXX multiple times for them to resolve this error. XXXX XXXX insists that they were allowed to sell my debt even though I had already settled and paid. When I contacted the debt collections company, Jefferson Capital Systems, I am told I must have XXXX XXXX resolve this error. 

XXXX XXXX is refusing to resolve this error is selling my settled and paid debt to Jefferson Capital Systems. XXXX XXXX is refusing to refund me for the debt settlement payment that I have already made.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, I am writing to request that the following items be immediately investigated. If inaccurate, they must be removed off my credit report. According to the Fair Credit Reporting Act, I expect you to complete this investigation within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX _XXXX  XXXX These name are incorrect . Please delete it **Address reported** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX These addresses are not belong to me. I have attached proof of my current address below. Please delete it. 
**Auto loans** XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX I never receipted any credit or loans from this company. Please provide full document. 
**Student loans** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it _XXXX   XXXX XXXX XXXX Reported : XX/XX/XXXX This account state that I was late on XX/XX/XXXX. However, I paid on time, it's inaccurate. Please provide payment agree or delete this account. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. Please provide payments agree or delete it!!! 
_DEPT OF ED / XXXX Reported : XX/XX/XXXX How it can be only one 120-149 late payments and other are all paid on time. The credit bureaus even did not update an remarks which violated " Metro2 Credit Report Compliance ". Please provide payments agree or delete it!!! 
**Hard Inquiries** XXXX XXXX : XXXX XXXX, XXXX This isn't mine, delete it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items XXXX in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported to be removed. 


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


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


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


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


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


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

I purchased a testing kit from XXXX XXXX on XX/XX/XXXX for the amount of {$33.00}. Within 15 minutes of placing the order, I emailed the merchant asking to cancel the order. They did not get back to me and ended up shipping the order. I refused the delivery of order with USPS ( XXXX ) and the item was sent back to the merchant unopened and untouched. However, the merchant has not refunded the amount and when I reached out to them, they said that they would not refund. 

I reached out to my credit card company ( Chase ) on XX/XX/XXXX about the issue to dispute the transaction. I paid for goods and those goods are not in my possession. However, they said that they could not assist with my dispute because the merchant does not offer a refund policy. 

I would really like assistance with this issue because I am now out of {$33.00} and I do not have any of the goods/services that were purchased in my possession.
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. 

Account name : XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed my payment history is incorrect. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Checking or savings account

Open up an account with PayPal to do some casual transactions every single time I received money PayPal locked my account and held my thumbs until I provided you know corresponding information which is understandable so it happened about 3 times and then I received another payment after getting an email saying that I'd become an unknown and established seller and they're still holding the funds but the seller the buyer I mean contacted PayPal and verified the transaction and they released the funds to me so the funds became available Shortly after that I received a payment that I didn't Fully agreed to because it was a lot of a lesser amount than I had wanted so I refunded the payment that payment triggered limitation on the account pending I provide the information which I did and they just still shut my account down and won't let me have my money in my account for a 180 days no explanation very rude
Product: Credit card

After the XXXX XXXX  data breach along with the XXXX  breach I realized unusual activity linked to my infortion. Knowing that I had no engagement with this company I explained to several representatives that my information was being misused. After several failed attempts to have comenity bank/express provide me with information linking me directly to this account I asked that they remove all negative remarks associated with the account.
Product: Debt collection

Midland Management sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. Midland Credit Management XXXX claimed that they bought the credit card account from XXXX and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX? This is hurting many working families in XXXX and I feel that it is causing more damage than the XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.
Product: Credit reporting or other personal consumer reports

I recently disputed this XXXX XXXX XXXX account from my credit report and it has shown back up twice. I received a letter from them that they will no longer contact me regarding this fraudulent account and have recovered the vehicle that does not belong to me. I also added a medical account to this identity theft report and two hard inquires that does not belong to me.
Product: Vehicle loan or lease

I received an offer through XXXX XXXX for an auto loan by Tresl. According to the site, I have an outstanding chance of approval for a refinance of $ XXXX at 5.42 % interest over an 84 month term. Upon applying for the loan, the lender did a hard inquiry on my credit and told me the numbers that were advertised were way off. The new monthly payment would be $ XXXX and interest would instead be near 8 % over an 84 month term. This was false advertising that cost me time and a penalty to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, XXXX XXXX Trans Union ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

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

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my dispute, please. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXXXXXX Balance {$7200.00} ; XXXX XXXX Balance {$9300.00} ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX Inquired on 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is furnishing an account that has continuously abused their power and violated my rights in several ways. I have disputed this account multiple times, and no real investigation was performed. If a proper investigation had been conducted, the State of Michigan XXXX XXXX account would not be furnishing inaccurate information such as the address, payment history, and account opening date. This account shows an opening date in XXXX, while it was actually opened in XXXX. 

On top of the inaccurate opening date, if the account was opened in XXXX, then the statute of limitations on reporting the account has passed. Under 15 U.S.C. 1681c ( a ) ( 4 ), adverse information, including delinquencies and charge-offs, can not be reported for more than seven years. Reporting this account beyond that time period is a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, the payment history does not reflect accurate information. It shows an opening date of XXXX but no payment history until XXXX. The reported payment history is incorrect, showing charge-offs in XXXX and no data for the other months up until XXXX. How can an account show payment history that does not match the opening date, nor does it show accurate current data? This account was never in charge-off status. 

The State of Michigan and Experian have failed to meet their legal obligations under the FCRA. Under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to correct inaccurate information, and under 15 U.S.C. 1681i, credit reporting agencies must conduct reasonable investigations into consumer disputes. Furthermore, the failure to report the correct payment history and opening date is a violation of Experians duty to adopt reasonable procedures to ensure the accuracy of information as outlined in 15 U.S.C. 1681e ( b ). 

The FCRA, under 15 U.S.C. 1681n, provides that any person or entity found to be willfully noncompliant with its provisions is liable for actual damages, statutory damages ranging from {$100.00} to {$1000.00}, and punitive damages, as well as attorneys fees and court costs. For negligent noncompliance, under 15 U.S.C. 1681o, the violator is liable for actual damages, along with attorneys fees and costs. Experian and the State of Michigan are subject to these consequences for failing to conduct a reasonable investigation and report accurate information. 

The State of Michigan and Experian are abusing their power and violating my rights by failing to correct these issues after multiple disputes.
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. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.