23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In my last communication with EXPERIAN, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an affidavit of truth. My next step will be a civil suit.
Product: Checking or savings account

In XX/XX/2019 I opened both a checking account and a savings account with HSBC, for the purpose of meeting the requirements for the respective signup bonus offers. I met the terms for the 90 days and then maintained the accounts for an additional 90 plus days in order to avoid the early termination fees. In late XXXX or early XXXX I called the bank to close both accounts and was told that it was taken care of. In XXXX I received a collection letter stating that I owed a {$15.00} overdraft charge. Apparently the checking account had not been closed per my instruction ; and since I had transferred all the $ to my other bank, HSBC charged a {$15.00} maintenance fee which of course was overdrawn. I called and was told that this was resolved, yet once again on XX/XX/XXXX I received another letter. I was given further confirmation that this problem, both the account not being closed and the overdraft being removed, has been resolved but I don't trust the bank to not send me another letter come this spring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax and sent in driver 's license and social security card 2 time s. Information is   still not updated. I can not even view my report. The address for them to send the report is inaccurate on their file.
Product: Debt collection

Resurgent Capital stated on XX/XX/2021 that they were willing to discuss payment options for the past due amount of {$1000.00}. However, I have attempted to reach out to the compliance department at Resurgent Capital multiple times and I have left multiple voicemails with no response back from that department. As a result, the past due balance continues to be reflected as in collections on my XXXX credit report and has a negative impact on my credit score with the credit bureau. This situation has adversely impacted me financially make it impossible or much harder to receive a positive credit decision for credit cards, loans, and other items that depend on a credit score. I believe that I have been adversely financially impacted by the companies refusal to abide by FCRA requirements.
Product: Credit reporting or other personal consumer reports

THE TOTAL VISA/XXXX XXXX XXXX ACCOUNT WAS FRAUDULANTLY SET UP BY ANOTHER PARTY USING MY INFORMATION AND I WANT THE FILE REMOVED FROM MY CREDIT FILE THE FRAUDULANT PARTY USED MY ADDRESS THE FRAUDULANT PARTY USED MY PERSONAL INFORMATION I DID NOT APPLY FOR THIS CRDIT CARD, I DID NOT USE THIS CREDIT CARD, I DID NOT BENEFIT FROM THIS CREDIT CARD. 

I HAVE PROVIDED ALL INVESTIGATION MATERIALS RELATED TO THE CYBERCRIME COMMITTED AGAINST ME AND THE FACTS CLEARLY SUBSTANTIATE SOMEONE ELSE HAD ACCESS TO ALL MY INFORMATION AND USED IT TO GAIN CREDIT TERMS WITH TOTAL VISA/XXXX XXXX XXXX AND I DEMAND IT BE REMOVED AS IT IS NOT MY ACCOUNT
Product: Debt collection

I refinanced my XXXX XXXX XXXX  which I financed with PNC  Bank. Around XX/XX/XXXX, I refinanced my vehicle with XXXX XXXX. Without being notified, PNC Bank received the pay out check for my vehicle from XXXX XXXX and cashed the check through their accounts. The check was sent back to an address for XXXX XXXX who could not locate or retrieve the check for over 3 months. During this period of time, neither XXXX XXXX or PNC Bank contacted each other. After my own efforts of due diligence, I learned of late payments that accrued on my PNC Bank account. In addition, XXXX XXXX contacted me after multiple complaints, that the payout check from PNC was returned and sent to a branch that XXXX XXXX was not aware of. XXXX XXXX then took the payout check, cashed it and closed my account with XXXX XXXX who had issued me a lower rate and cheaper car note payment than PNC. After I contacted PNC, they told me to contact their PNC Bank Consumer Credit Bureau Investigation Department to inquire on how to have the late payments removed. Due to these late payments, my credit score has dropped significantly due to a lost check which was sent from PNC to XXXX XXXX. I now have to pay a higher car note with higher intrest rate and my recourse is only to re apply to have my credit ran again with hard inquires.
Product: Credit reporting or other personal consumer reports

REQUESTED DELETION OF 7 ACCOUNTS THAT WERE INACCURATE IN REPORTING ON MY CONSUMER REPORT. THIS IS A CLEAR VIOLATION OF THE FCRA. I RECIEVED THE RESULTS AND THEY ALL CAME BACK UPDATED AND VERIFIED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED THAT THE LATE PAYMENTS BE UPDATED TO " PAID ON TIME, PAID AS AGREED, NEVER LATE '' IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT FOR BEING INACCURATE AND NOT IN COMPLIANCE UNDER THE FCRA. I RECIEVED THE RESULTS AND IT CAME BACK UPDATED AND VERIFIED ( 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, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal of these accounts they also violated my rights under. 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. 

Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXXXXXX XXXX XXXXXXXX Experian- XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act .The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
A XXXX XXXX account reporting to my Equifax credit report, has directly has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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 ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my idenity was compromised between XXXX and XXXX while on XXXX XXXX. During which time several fraudulent accounts and inquiries have been opened in my name. Please see my attached FTC and police report to have these accounts and inquiries removed. 

Accounts 1. XXXX XXXX XXXX / XXXX  2. XXXX XXXX XXXX / XXXX   3, XXXX XXXX XXXX / XXXX 4. XXXX XXXX XXXX and XXXX XXXX Inquiries 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX XXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This account is on my credit report. I spoke with the original creditor XXXX and they indicate that this account does not exist. i spoke with debt recovery solutions on XXXX and XXXX and XXXX representatives were rude over the phone and only cared if i was going to pay or not. all i tried to do was ask for help since the original creditor does n't have any info on the debt then how am i supposed to get this resolved. I spoke with XXXX XXXX who claimed to be the " top manager '' and he also had a bad attitude and did not maintain professionalism. all they offered was to send me a bill however that would not help in this situation.I offered to conference the call with the original creditor however the manager refused. he acknowledged that the original creditor would not have any information on a sold account but would not explain why the representative the previous day told me to call them. this company is giving me the run around and it is unappreciated.
Product: Credit reporting or other personal consumer reports

According to the FCRA XXXX  account # XXXX has violated my rights. 

Section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The recent CFPB lawsuit against Experian highlights systemic issues, including the failure to forward consumer-provided evidence to furnishers, reliance on unreliable responses, and inadequate notification of dispute outcomes. My experience reflects these failures, as Experian has neither corrected nor removed the disputed items, nor have they provided verifiable or specific information regarding the accounts in question. I am including examples of Experian 's vague dispute responses that fail to reference which accounts were verified, as well as Experians responses to my prior CFPB complaints, which similarly lack adequate details or verifiable information for each disputed account. These examples have been attached for your review.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

This complaint is about cashapp I broke my phone had to get a new one and could no longer access my account so I had to make a new account and I sent them all information on the old and new account and sent state ID cash app Verified all my information and who I was and refused to Transfer the money in my older account XXXX plus dollars to my new account and also refused to give me access to my own money or account this is not the 1st 2nd or 3rd time they have done this They continually keep taken my money on different accounts Indications when same situation had happened with my phone I do XXXX XXXX so it gets broke a lot and I have to change phones which means I have to try to get it back into my account that you have refused me access every single time and every account that has happened to has had money on it and they refuse me my money also even after being verified im unwilling to let it go this time cause they are stealing people 's money and its Unacceptable I have tried contacting them concerning this matter numerous times only to be hung up on and talk to very rudely and disrespectfully refuse to let me speak to a supervisor or anyone in charge Can get no help whatsoever they can not just take peoples money its stealing i don't care how big your company is when u take someone's money and refused to give someone something they worked hard for its stealing bottom line and then Have the nerve to say that they're protecting me you're not protecting me by stealing my money you're no their company is no better than criminals out on the street strong arm robbing people they're doing the same dying and They think that they are doing it legally Something has to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank of XXXX XXXX credit card company and experian are playing games with my report XXXX send a letter attched saying that the dlenquency for XX/XX/20 was removed by company and experian has been notified experian says when we dispute they say delinquency is valid Think how consumers time is being wasted these companies have no sense of accountability and they should be made to apologise and flagged in the system
Product: Checking or savings account

I filed a complaint about TD bank swindling me out of a sign up bonus. I have tried repeatedly to close my account with them and culminate my business dealings with these crooks so they cant XXXX me again. The teller at the bank assured me she would close my account and I had nothing further to do. Im convinced they are trying to keep my account open until the monthly closing period so that they can not only collect an interest free loan from me using fraud, but now collect fees and come out doubly ahead through fraud. Please put an end to this civil fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous requests for reinvestigation have been sent out to XXXX, Equifax and XXXX  regarding the collection accounts listed on my credit reports. 

Pulling all of my reports, I see that they all were listed negatively, and inaccurately ; payment dates were incorrect, balances are incorrect, last payment dates, account numbers, they are all mismatching across each bureau. Per my research, these accounts must be removed per the FCRA and FDCPA. 

I can provide proof that numerous attempts have been made to resolve this issue directly with each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I submitted a dispute through Experian regarding a bankruptcy that is reporting on my credit. Experian claims they investigated, and confirmed the item, yet they did not provide any information as to whom they contacted and what was verified and or validated. Nor did they confirm the agency they allegedly confirmed the bankruptcy with.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX  Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXXXXXX, TX, XXXX
Product: Prepaid card

Got a XXXX Visa card that does not work. I purchased it for {$500.00} and managed to spend {$250.00} on it, so {$250.00} is left. Then it stopped working. 

InComm has replaced the card several times now but the replacement cards do not work. Each time I have tried using the replacement cards in good faith as signature debit and as PIN debit without success, as late as XX/XX/year>. InComm 's representatives claimed that the replacement cards were " active and ready for use '' but that was not true. I want to be compensated for my wasted time and fuel in going to multiple stores, including the XXXX XXXX, XXXX 's, XXXX, and other places, plus mental anguish.
Product: Credit reporting or other personal consumer reports

My vehicle loan account is being reported inaccurate by all 3 credit bureaus. The information is different across all 3 credit bureaus. I asked for this to be investigated and corrected but have not gotten any results or proof of an investigation.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to XXXX XXXX XXXX section XXXX states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX, EQUIFAX, XXXX, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! 
IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX XXXX XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Capitol One, XXXX XXXX XXXX XXXX XXXX XXXX all have false addresses and charges on my credit report.

Capitol one- {$1300.00} XXXX- {$50000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$240.00} and {$260.00}
Product: Debt collection

XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law XXXX creditors can not collect on the same debt at the same time. -- -Also the debt is past the statute of limitations!! When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. They need to fix this. The next correspondence will be from my attorney ....
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX XXXX {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX  XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00}
Product: Debt collection

Repeatedly calling my personal AND work phone, threatening " action '' if I do not call them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted XXXX XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }