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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report and failing to correct these inaccuracies, despite being provided with sufficient evidence. Experians actions constitute violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq.

Issue Details Experian has reported an incorrect balance of {$17.00} for my XXXX Secured Credit Card ( Account No. ending in XXXX ) as of XX/XX/year>, despite the account having a {$0.00} balance. I have attached : My Experian credit report dated XX/XX/year>, reflecting the inaccurate {$17.00} balance. 

A screenshot from the XXXX application showing the correct {$0.00} balance and {$200.00} available credit. 


This inaccuracy has impacted my overall credit usage calculation, which is reported as 9 % instead of the accurate 0 %.

Violations of the FCRA Experian has failed to meet its obligations under the FCRA in the following ways : 1. Failure to Ensure Accuracy ( 1681e ( b ) ) : Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. By failing to update the correct balance for my account, Experian has violated this requirement.

2. Failure to Conduct a Proper Investigation ( 1681i ) : I previously disputed this inaccuracy with Experian and provided supporting evidence. However, they failed to correct the error, violating their duty to investigate and resolve disputes.

3. Willful Noncompliance ( 1681n ) : Experians continued reporting of incorrect information, despite being notified, suggests willful noncompliance with their legal obligations under the FCRA.

Requested Resolution I request the CFPB to take the following actions : 1. Investigate Experians handling of my credit report dispute.

2. Require Experian to correct the inaccurate reporting of my XXXX Secured Credit Card balance and ensure accurate reporting moving forward. 

3. Impose appropriate penalties on Experian for willful noncompliance under 1681n, including damages for the harm caused to my creditworthiness and reputation.

Supporting Evidence Please find attached : 1. Experian credit report dated XX/XX/year>. 


2. Screenshot of my XXXX Secured Credit Card account showing a {$0.00} balance. 


3. Other relevant documents related to this matter. 

I appreciate the CFPBs attention to this matter and look forward to a prompt resolution. Thank you
Product: Debt collection

Im disputing an invalid account reporting by Lockhart, Morris, & Mont on my credit report. This is inaccurate, unverified and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards of reporting. I request that it is immediately removed. If the furnisher can not provide proper validation, it must be deleted per federal law. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XXXX at that time was using XXXX XXXX as my cable company. In XXXX I was moving to another place. So I was in the process of waiting my provider to do XXXX XXXX not have internet. So I paid the last balance off which at the time was {$150.00} and sent in my equipment. When moving to my knew place, in XXXX of XXXX XXXX XXXX  wasnt on my credit report. In XXXX of XXXX I went onto XXXX XXXX to look at my account and seen there was a hit of I C Systems for {$310.00}. I attended to call XXXX XXXX they told me I had a balance. I was told to call IC Systems to make a payment. Spoke with IC Systems they requested that I send information that I made the payment. That was done in XXXX of XXXX. I called back to see what the outcome was. IC systems and XXXX XXXX gave me the runaround. Called XXXX filed another dispute and was also told to call XXXX XXXX.
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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/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: Debt collection

XXXX XXXX XXXX, through the law firm of Blatt, Hasenmiller, Leibsker and Moore LL ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ), has placed a a lien against our property in XXXX IL based on a default judgment in XX/XX/XXXX for a debt owed by a XXXX XXXX of {$3300.00}. We were not aware of the judgment until a property search was performed in XX/XX/XXXX. This is a case of mistaken identity and the judgment needs to be vacated for the following reasons : 1 ) We have never had an unpaid credit card or other loan balance with XXXX XXXX, 2 ) we have NEVER been served, so we could not respond to the charges even if they were to the wrong person ( the court claims the defendant had moved ) 3 ) she has no derogatory record on her credit report from XXXX XXXX, 4 ) she is currently a customer in good standing with a XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2022, XXXX XXXX XXXX reported acquiring a debt from XXXX XXXX XXXX. On or about XX/XX/XXXX, XXXX XXXX XXXX reported a tradeline Transunion and XXXX without allowing me the opportunity to Dispute the debt. XXXX XXXX XXXX ' actions violate the Fair Credit Reporting Act in that 1. I had no knowledge of the account on or about XX/XX/2022. I do not have any contract with XXXX XXXX XXXX wherein I promised or owe XXXX Management for services Provided. They did not provide me with the original contract as requested. 
2. They did not give me time to at least make payment.

3. They did not notify me or give me time to dispute the account.

4. I have not knowingly opened an account with XXXX XXXX XXXX, therefore tradeline reported by XXXX XXXX is Fraudulent. 
Per the Fair Credit Reporting Act, a person 's consumer report should contain ONLY, Accurate, Complete, and up-to-date information. The information reported by XXXX is INACCURATE and a continuous inclusion on my consumer report is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Experian was asked to remove or verify information on several occasions and will not simply uses e Oscar generated replys with verified i request info I asked for method of verification people involved numbers and they ignore. My request and continue to report false information
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Payday loan, title loan, or personal loan

I have been paying XXXX XXXX every month and I am so called current after paying them for a year. I took out the title loan in XX/XX/2018. What's insane is that I have tried to settle and they tell me after paying over 3000 that I would need to pay atleast an additional XXXX. Which is the total price of the loan. I am a XXXX vet and a single father of a XXXX year old. I'm on a fixed income and took out the loan because of an emergency. However. They threaten to repossess my car after being 2 weeks late. Also they ask me the reason I am late and I tell them my issues and they don't try to work anything out. I'm stressed and this situation isn't getting any better. I'm current but I'm being charged $ XXXX/day if I'm late but am told that I have a 10 grace period. It's not a grace period and different people tell me different things when I call. The agents told me that they are not supposed to send me my bill and what is exactly owed. I was finally provided that document II can't keep paying {$310.00} a month for years to come. I have already paid the loan with over {$400.00} interest which seems to go up every month. 
I was also told my interest rate would be at 7 % but apparently its over 140 % plus late fees!!!. I still owe the amount I started with because of the interest and late fees.
Product: Credit reporting or other personal consumer reports

These inquires are unknow and not authorized by me, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent items on my credit report and have yet to receive anything back in over 45 days for these accounts that are clearly fraudulent accounts. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These credit bureaus are not abiding by the law and taking advantage of consumers and this has caused me to not be able to purchase a home for me and my family along with higher Interest rates. The most recent certified letter I sent was XX/XX/2023. 

XXXX  Account # XXXX & # XXXX has violated my rights. 


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.

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: Credit card or prepaid card

I have a PNC Prepaid card and i have been receiving my unemployed benefit on it for two months now, Just today when my Money got deposited they have close my card and have taken the money too they should at least let me have my money withdraw at the atm and close it completely but rather took everything and the funds is XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Navient has steered me to struggling toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans for my private student loans. 

Total Current Balance : {$33000.00} I am past due and can not make payments due too it being to high and unemployed.
Product: Debt collection

They are saying this is from XXXX  from XXXX XXXX XXXX XXXX in ohio Ive never been too Ohio before and I had health insurance living in New Hampshire never had this debt and I need it removed or they need too prove it was me either way this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on the cfpb website stating thaXXXX XXXXt is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for XXXX  hasn't addressed any of my complaints. The Fannie Mae website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with covid in the hospital. 
I'm an honest consumer who never had a late payment ever since 2015 What is XXXX gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.
Product: Debt collection

I was checking my credit report and their was a negative item from a security credit services which purchased the debt from a company called XXXX XXXX. I have never applied for credit with either of these companies the debt is not mine they state that a payment was made XX/XX/XXXX I can submit my bank statement for that month to prove that was not  me furthermore I was not sent any bills or contacted by either company at any given time.
Product: Credit reporting, credit repair services, 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 acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX VIOLATED MY PRIVACY ...... 

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

15 U.S.C. Section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c. ( a ) states the no consumer reporting agency may make any consumer report containing any of the following items of information, other than record of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. s-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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$590.00}
Product: Debt collection

Genesis is attempting to collect rental debt that is not only invalid but the original creditor is no longer associated with the property and as such, has no record of the real debt.

Genesis can not produce documentation and as the original creditor is no longer associated with the property, Genesis should immediately cease attempts to collect as well as derogatory reporting.
Product: Credit reporting

The attached accounts were removed by EquiFax in XXXX 2015. They were added back by EquiFax which is in violation of the Fair Act. I have attached the removal as reported by EquiFax and the adding back on XXXX 2015.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting.