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

Experian is required to follow the law regarding investigations of disputed inaccuracies from me, a consumer, whose records they must keep accurate.. When I asked Experian to investigate my factual disputes, they stalled and kept telling me the information was verified and updated, even though the dates they show as updated are several years old My disputed items were not updated. Experian never sent me proof of method for verification. I was notified by them that my disputed items were updated with absolutely no updates or proof of their investigation. 

This is a serious violation. 

Experian never conducted an independent investigation, because if this was done, they would have immediately determined that these accounts are incomplete, and therefore, inaccurate. Experian 's verification process ( e-Oscar ) did not fix the problems. I have never heard of e-Oscar until recently and do not see this tool mentioned in the FCRA. Therefore, Experian did not conduct the legal independent investigation of these accounts. 

In many cases, Experian appears to be intentionally suppressing my credit score by inserting negative items, absent of all account details! 

I am entitled to monetary damages, and I need all information they used to verify these accounts to prepare my legal case. 

I want Experian to please correct, update or delete the accounts below. I also would like to know how they, as a CRA, determine incomplete payment history as accurate. How did they verify this information? 

This is not a request for another round of disputes! 

These accounts, appearing on my Experian Report, have missing payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Ally Home mortgage was paid off at escrow by the buyer 's mortgage company and should not have reported 30 days late. This derogatory mark that is reporting in error is the only negative mark on my credit reports and is dropping my scores by at least 30 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my consumer report and I noticed that a Charge off is reporting on my consumer report that should not be there because the information is different across the Credit Reporting Agencies which means it's inaccurate and in violation of the FCRA. The IRS also defines what a charge-off is. As defined by the IRS Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
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 XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$710.00}. 

XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$590.00}. 

XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

i can not apply for an auto loan or a home loan because of this on my credit report and it affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Direct Dispute for the XXXX XXXX of the information on my consumer report. On XXXX XXXXXXXX 2021 I audited my XXXX XXXX  report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the XXXX XXXX XXXX XXXX. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to XXXX XXXX  XXXX Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer. 

XXXX means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( XXXX ) Is substantiated by the furnisher 's records at the time it is furnished ; ( XXXX ) Is furnished in a form and manner that is designed to minimize the likelihood that the information XXXX be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXXXXXX XXXX I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Product: Credit card or prepaid card

On XXXX XXXX,2022, USAA Bank XXXX card removed {$3000.00} from my account under the term Adjustment- Return. I have contacted them by phone and chat and they can not or will not explain the reason for this transaction. They will not explain why they took this action. Communications with USAA is exceedingly difficult. The simply say " we have no idea '' and that is all I can get from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a credit card from Discover on my credit report. I've never had a credit card with Discover. I called and notified them of the issue and requested my account number. All they wanted to know was how they were supposed to resolve the debt. I don't feel as if identity theft is something I can help them resolve. I then sent the identity theft report and associated documentation via mail XX/XX/2023. I downloaded my credit report again today and I see Discover again. I don't feel that they care to help anymore.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, XXXX XXXX XXXX XXXX ( my spouse, from whom I am divorcing, XX/XX/XXXX ), obtained a payday ( personal loan ) for {$1600.00} by providing knowingly false and inaccurate information to AmeriCash Loans. XXXX XXXX XXXX XXXX provided AmeriCash Loans an inflated and false household income, including my net income as added household net wages ), in order to fraudulently inflate the loan amount he received for the payday loan. As I had absolutely no knowledge of an AmeriCash Loan loan application, nor any other rogue financial endeavor of XXXX XXXX XXXX XXXX, I did not approve or provide consent for XXXX XXXX XXXX XXXX to provide my information as monies in consideration for his personal payday loan. AmeriCash Loans failed in due diligence to verify and deem all information and documents provided by XXXX XXXX XXXX XXXX as true and accurate. As a result of willful disregard for financial rules and regulations by XXXX XXXX XXXX XXXX, in addition to negligence to verify the information provided XXXX XXXX XXXX XXXX by AmeriCash Loans, I have suffered compensatory damages, as well as injury to my credit and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy.

Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. 

The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX XXXX  date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXX ( collection ) date opened XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX date opened : XX/XX/XXXX Account # XXXXXXXX XXXX  date opened : XX/XX/XXXX Has violated my rights .please investigate these accounts 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. Please show proof of written instructions by me.
Product: Mortgage

Please refer to documentation/attachments that are included in this email and update my account to reflect the funds that was sent by me in the amount of {$2500.00} for XXXX and XXXX those funds was never sent back nor applied to my account The only funds that was applied to my account was from the Delaware XXXX XXXX XXXX XXXX XXXX XXXX program which covered up until XXXX ( please refer to attached documentation ) of this year in which then the non returned payment from me in the amount of {$2500.00} should have been applied. Please update my account to reflect XXXX of {$630.00} to be made by me in XXXX of 2024 which is what will be left after XXXX & XXXX is paid out of that {$2500.00}. Thank You.
Product: Payday loan

I applied for a payday loan in the amount of {$250.00} from LendUp.com. As of now, they show that I still owe them but I never received the money because while it shows it was successfully deposited on XXXX/XXXX/14 ( which was my ONLY deposit on XXXX/XXXX/14 ) there is also a reversal of {$250.00} + a {$5.00} fee charged to my account. So, I essentially never received the money. They are still saying I owe them, when I have the bank statement that shows that XXXX deposit on XX/XX/2014- then a reversal for that same amount, as well as the overdraft balance of XXXX as a result of the {$250.00} being reversed on my account. 

You are n't able to speak to a live person when you call, they are on a regular M-F XXXX-XXXX schedule, and you have to basically schedule a call back so you end up paying phone tag and nothing will get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 to current every 30 days i have disputed and they will not fix the problem even though been taken off other two reports now they just keep updating it and not removing it even though it's not correct info and it's for something i do not owe and have submitted proof i have paid and proof email communications proof my other reports removed the collections this is severely affecting me getting approved for rental property im about to be XXXX  over incorrect info on my credit report money i do not owe and they will not remove from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, Experian received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In addition, Collection agency may have committed possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, Experian did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did Experian when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results on XX/XX/2018 ( I have a copy of my Credit Report XX/XX/2018 In Dispute is not in comments section that day or any other day of the dispute process ). Concluding, Experian did not handle this correctly, when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.
Product: Checking or savings account

Cashier check was never sent. Funds never deposited into account after 5 business days as told
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was on the phone thats a proximately XXXX with a representative from EXPERION. who I was explaining that there is something wrong with my negative score factor. My explanation of the problem is that The reason for the score factor being negative changes after every new reason is proven to now be true. EXPERION use scam to keep my score stagnant. And use this as justification for my mysteries point deductions, but every attempt to get it removed the reason behind the negative factor get change the young lady told me that if Experion remove that false negative factor I will have a better score like XXXX and That Experion does not allow that I have the pictures to prove that in attachment. Its illegal so do that. I would like for the attorney general and Supreme Court to see this new evidence of companies breaking the law.
Product: Checking or savings account

On XX/XX/XXXX, my card information was used at an atm and two transactions of XXXX XXXX dollars was taken out without my consent. I was nowhere near this atm, so they where fraudulent charges. I locked my card right away and called costumer support for the charges, in which I filed a report. They stated I had to wait until the charges were posted to file a dispute. They settled XX/XX/XXXX and I called right away and filed the dispute. They denied my dispute claiming that it was not an unauthorized charge. I then sent evidence of the time and place where I was on the moment of the fraudulent charges, to reopen my dispute. They still deny it even with provided evidence.
Product: Credit reporting or other personal consumer reports

I am frustrated that I have to dispute all these inquiries on my credit report I have been utilizing credit in the USA for the past 4 years. I would never give anybody permission to use my social information are harming me. I know how to go to the bank I know this wasnt me I will never play with my credit like that my rights have been violated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act XXXXXXXX XXXX XXXX reported by Experian reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My account was hacked and XXXX was withdrawn from my account and my savings were transferred on the XXXX XXXX ( at an ATM - named XXXX XXXX ) Please see the attached. When you look at my account activity I was in XXXX XXXX getting my nails done, I don't know how you can be in two places at once. This happened on XXXX XXXX and I followed up in person with my bank and opened a new account and fraud claim was submitted. I stopped by my local branch XXXX an was told my claim was denied and the charges were intentional. I was also told that my card before it was deactivated was attached to a XXXX pay account, which I don't or never had. If I need to show proof I can, you can see on my account I have never spent any many via XXXX XXXX. When I search the charge it appears to be XXXX XXXX, which is a chain that isn't local to me.
Product: Credit card

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Product: Credit card or prepaid card

Even though this is under XXXX XXXX XXXX, which is far as I thought had no affiliations with the Wells Fargo secure card but they secured card I had reported in as they were fraudulent activity back in 2014 on the card and thats why I had to close it. I informed Wells Fargo and let them know well in advance. The account on XXXX is still there Even though it says charged off and on XXXX XXXX and XXXX and its completely taken away. I am also part of a class action lawsuit against Wells Fargo for the multitude of fraudulent activity that is happened so far