23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian has an incorrect address for me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. 
I have never lived at that address and never sent mail there. In another profile section, Experian had my correct address of XXXX XXXX XXXX XXXX, XXXX WA. 
On XXXX XXXX, 2016, I advise the Experian dispute department of this over the telephone. They refused to open a dispute file claiming XXXX Bank, issuer of a XXXX XXXX XXXX credit card had that as my address. Further, tehy stated it was their " policy '' to require the consumer to call the issuer. XXXX did have that as an address fro me but not from me, but from the Experian report they ran. I did not know of the mistake. 
Experian stated it was their " policy '' to make the consumer correct the mistake with the issuer. I stated that they must take the dispute unless it is frivolous and it was not frivolous as they have XXXX conflicting current addresses for me, and I was advising them that the XXXX XXXX address was incorrect. 
I was forced to call XXXX Bank fraud who made the change and stated that they got the address from the Experian credit report. 

Experian 's " policy '' shifts the burden of investigating a dispute under the FCRA from the reporting agency to the consumer, and contradicts Experian 's obligations under the FCRA. 
No other reporting agency refused to allow a dispute. 
if it is is a policy of Experian to refuse address disputes, then there are likely countless other consumers to which they apply this policy. 
The correct procedure should have been to take my dispute information and open an investigation, allowing the consumer to also call the issuer. 
Experian has " security '' questions to access my online account with them. The questions contain incorrect information on lines of credit, mortgages and other information. Experian does not have a method to allow the consumer to explain or dispute the security answer, claiming that they are generated from the consumer 's credit report. However, if Experian incorrectly inputs information, the Experian system locks out the consumer from his own account. In addition, Experian refuses to address or allow a dispute of the errors.
Product: Checking or savings account

I started receiving emails from Chime congratulating me on opening an account with them. I did not open an account and tried to call them. I have not been able to speak to anyone in this company to tell them this is a fraudulent account. I was able to email their support contact and they want me to email them my drivers license and social security number. I refused to email this information since is not a secure and they won't do anything about the account until I do. I was able to log onto the account and change the password so no activity could take place. I just want the account closed and them to investigate who and how it was opened in the first place.
Product: Vehicle loan or lease

This is a complaint against Credit Acceptance Corp. This complaint will outline several federal violations made by the financial institution. 
1 ) violation 15usc6802 ( b ) of the FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) Violation of The Gramm-Leach-Bliley Act 3 ) Violation 15usc6802 ( b ) ( 1 ) of FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

4 ) Violation 15usc6802 of the FCRA : Obligations with respect to disclosures of personal information. A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status. 

REVOVE LATE PAYMENT STATUS FROM XX/XX/2013 PERMANENTLY!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

this company is reporting an erroneous mistake, this account does not belong to me, and they have failed according to FCRA to validate this debt they claim I owe with a contract bearing my signature. This collection agency is violating my rights and reporting inaccurate information per section 807-8,  please delete this account from my report immediately.
Product: Payday loan, title loan, or personal loan

My account showed as current with a next pay date of XX/XX/2023 on XX/XX/2023. On XX/XX/2023 now shows as past due and that payment is due. This is incorrect as evidenced by the screen shots provided.
Product: Debt collection

I discovered an item on my credit bureau from National Credit Adjusters regarding a Payday Loan From XXXX XXXX. In attempting a resolution on XX/XX/2018 I requested removal from my credit bureau in exchange for payment, despite belief the loan itself violated the laws of Texas. 

2 employees, including one claiming to be a manager, advised me, repeatedly, that the FCRA prohibited removal of items. I contested this as I know it to be untrue. They persisted until finally admitting it was not the law, and they were unfamiliar with the law, but it was what their company policy stated. When advised that they can not represent internal policy as law they became beligerent. I confirmed the call was recorded and advised I would be filing a complaint. 

Contact with XXXX XXXX advised me, by email, the debt belonged to : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX In investigating this firm by phone number I have found they have had numerous shell agencies over the years, which are repeatedly closed for illegal practices. 

As I offered payment to XXXX XXXX XXXX XXXX XXXX, despite a firm belief the loan was illegal, and they refused, and the collection agency engaged in clear misrepresentation of the FCRA, I believe both to have engaged in illegal practices.
Product: Credit card

My original credit limit was {$10000.00}. I paid my balance down below 30 % and Citibank decreased my credit limit to {$5000.00}, which increased my usage percentage. I explained to Citibank representative and supervisor that this in not good customer service. This was very inconsiderate for Citibank to decrease my credit limit and making my credit usage increase drastically. I have always paid my account on time or no more than 10 days after the due date. This is horrible customer service and this will place a hardship on my credit score. Will someone please address this issue?
Product: Payday loan, title loan, or personal loan

I have been a customer with cash 1 for quite some time now. I've had multiple loans and paid them off. Due to unforeseen circumstances associated with my mom 's health I was not able to pay for the last loan I received. I've called the legal department to make payment arrangements because I do not want to be in bad standings. They are not willing to make any payment arrangements and have no sympathy for my situation. Despite my history with them they are unwilling to work with me. Not only do they not want to work with me, but now they want to charge me {$10000.00} for a {$3000.00} that I made multiple payments on. I don't know how a company like this can stay in business. I find this situation very unfair and most of everything very disappointed at their lack of sympathy and only solution offered is to threaten me to take me to court and garnish my wages.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Experian on XX/XX/year> asking them to investigate these accounts XXXX XXXX XXXXXXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.
Product: Money transfer, virtual currency, or money service

I transferred {$8000.00} to Binance US in XXXX and XXXX. I got a new phone number and can no longer complete phone verification of my Binance US account and no longer have access to my account. I have put in several support tickets with Binance and they do not respond to their requests for help. They need to send me my money or call me to assist me with my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, TransUnion, and XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, these credit reporting agencies has consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, Which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure these companies complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts names that I have requested review due to inaccuracies : XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Around the time that I turned XXXX XXXX XXXX on XX/XX/, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX years of age.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reports from the three predominant credit report institutions have been systematically and consistently reporting that I have have serious delinquencies affecting substantially my credit record and my ability to find low interest rates on credit cards, student loans, car loans mortgages. 
I have been continuously paying my debts since XX/XX/XXXX and this has not been reflected on my credit record/history because of this. 
Last year I found out I had a {$37.00} apparent unpaid medical bill since XXXX which I not only did not know it existed and once I found out ( because It was reflected on my credit report ), I decided to pay it even though I thought It was a fraudulent bill. 
The question to ask these three cold heart credit report institutions is that if they feel {$37.00} is a serious delinquency? 
And worst of all is that these cold heart institutions will keep reporting for seven years this {$37.00} as a serious delinquency even though is has been paid off. 
I believe, a law should be passed to ban these credit report institutions from reporting as serious or even plain delinquencies amounts below {$100.00} or a sum considered irrelevant. I will write today a letter to my district congresswoman to start a campaign against these and other harmful policies and practices and have the US Congress review these credit report institutions to obligated them to have fair and reasonable practices and policies. It seems to me, no government institutions supervise and controls these institutions, if the can be called institutions. 
Nobody is a delinquent for having a {$37.00} record or {$100.00} or {$1000.00} on their report, is not a crime, a delinquent is a person that has transgressed the law, its illegal to call somebody a delinquent for an unpaid bill. This is unacceptable. 
These institutions have to do their home work to establish once received a report specially from collection agencies if the report is fraudulent or not, it seems these institutions only collect information and sell it as is, they have not adopted controls over the information received or at least, get in contact with the affected consumer to check if its a fraudulent record. These institutions could well be just a computer since they do nothing but collect information and sell if, they don't care about the consumers. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name/Number : XXXX XXXX XXXX  Account XXXX XXXX Account Name/Number : XXXX XXXX XXXX  Account # XXXX has been on my report for 7 years as closed and paid by garnishment which has been proven to be not account. was deleted from XXXX but still showing on XXXX and should be deleted. 
Account Name/Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX was on my XXXX report as closed and now listed as derogatory and is not my account. 

XXXX XXXX XXXX Account XXXX : # XXXXXXXX XXXX  advised me that they do not have this account, and it is not mine but is showing as a collection on my XXXX
Product: Credit card or prepaid card

I purchased an item from XXXX XXXX through PayPal. The item the merchant sent me was the incorrect item and I subsequently reached out to the merchant, XXXX XXXX and PayPal to solve the issue. I asked for a full refund and agreed to send the item back at my own expense which is unfair. I open an case with PayPal to rectify the situation since XXXX XXXX and the merchant only wanted to refund XXXX dollars of XXXX dollars I spent on the product. I sent the item back and PayPal stated that i submitted inaccurate shipping info. This is unfair because the merchant will receive their product when it clears customs and I will never receive a full refund because PayPal closed the case without solving the problem. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My name is XXXX XXXX ( last XXXX SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

It is apparent that ( according to the enclosed report ) these companies are very unreliable when it comes to reporting my data accurately. All of these errors are on my credit reports and should be updated. 
Please also note that TransUnion and XXXX show that I have a 30 day late payment when XXXX is showing two. However, I am certain that I made ALL my payments on-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I received a text message from this company stating that their aftermarket GPS tracking device had been " tampered with '' I brought it to their shop of choice and the shop found that there was a blown fuse most likely caused by poor installation on XXXX XXXX XXXX end. They repaired the fuse and noted they would need to remove the device and reinstall it correctly. XXXX XXXX ignored this advice, a couple months later this exact fuse blew again. I was out of town at the time and received a message that if it wasn't at the repair shop of their choosing by end of the next day they would come repossess the vehicle. 2 hours later they were in my driveway taking the vehicle. This was not a legal repossession, the loan was never delinquent. It was a void of contract due to their faulty aftermarket electrical equipment. I would like the repossession remark removed from my account as it is incorrect. I have all text message correspondence with this company as well as security camera footage of them taking the car 2 hours after contact.
Product: Credit card

I have always had issues paying my Big Lots Credit Card from Comenity Bank. They always needed me to have my account number to pay and I have never had access to that number until today. They always waived the late fee and helped me make my payment over the phone and they would always promise to help me log in easier in the future somehow but they never did or it never worked like they intended for some reason. Today they finally gave me my account number over the phone which they aren't allowed to do but I guess they did anyways, I was able to create my own account with my own user name and password like normal companies in 2024. So I got transferred to a supervisor and I asked her just as nicely as I have every other time I've had these issues for her to remove the big late fee and I will pay my full bill right here right now and in the future I have my own registered account that I can log into and pay the bill on my own. She said we already waived two late fees within 18 months we can't do it again and we are only allowed to do it once. I said well if you did it twice then you already broke the rules previously because you recognized that the situation wasn't my fault and its just a XXXX weird situation no one wants to have in general. All my other credit cards are paid on time I never have an issue with any of my bills except Comenity through Big Lots Credit Card. She said she can't remove the late fee and I said well I can't pay my bill until you treat me fairly and remove the late fee that's not my fault to begin with and she said whatever sir I'll just mark you down as a refusal and hung up on me. So I'm reporting Comenity because they are scamming everyone, it's not just me. A big XXXX  thread about Comenity just got started yesterday and everyone on their is coming out about their terrible experiences with Comenity and their scams. It's the absolute worst company to ever take a credit card from and I got the credit card at Big Lots. I didn't know Comenity was the actual XXXX behind the counter or else I would have purchased my XXXX daughter 's bed somewhere else. This is not how you treat humans professionally or personally, it's disgusting.
Product: Debt collection

Between when I was XXXX to XXXX years old my mom opened over 20 credit cards in my name without my consent, spent the money and pretended to me, all while racking up thousands of dollars of debt. When I found out what she had done, we had a verbal agreement in which she stated she would be paying off all the credit cards. Despite her statement, on Tuesday, XX/XX/XXXX I was served with court papers stating Barclays is suing me for over {$3000.00} worth of credit card debt. I have contacted the XXXX XXXX court and Barclays both of which have started an investigation into the fraudulent card. I have also contacted the credit bureaus and mark that card as fraudulent as well. I have attempted to file a police report. However, this incident occurred in XXXX, NY and I've lived in XXXX, TX for almost 3 years now. I contacted the XXXX police and they told me to contact the XXXX police due to the incident occurring there. When I called the XXXX police, they stated I needed to contact the XXXX police since that is my current residence. I would told my a lawyer to file a complaint here.