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

I am rewriting to formally address my ongoing frustration with EXPERIANs blatant disregard for my prior requests and their failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ). Despite my previous communications, EXPERIAN has not removed the disputed items from my credit report as I requested. Not only has my request been ignored, but EXPERIAN has also failed to provide any response or explanation as to why the items have not been corrected or removed. This inaction directly contradicts the requirements set forth under Section 1681i of the FCRA, which mandates that credit reporting agencies conduct a timely and thorough investigation of any disputes and resolve the issue within 30 days. Their continued negligence in addressing these issues is both frustrating and unacceptable. As a result of this failure to act, I am once again requesting a formal reinvestigation of the disputed items, which I believe to be incorrect and in violation of the FCRA. The items in question have been found to be illegal and erroneous, and under Section 1681e ( b ) of the FCRA, EXPERIAN is obligated to maintain accurate and complete information in consumer credit reports. Therefore, I am requesting that these items be permanently blocked or deleted from my credit file. Failure to address this matter promptly may force me to take further legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing other remedies available under the FCRA. I trust EXPERIAN will act swiftly to resolve this issue and comply with the law moving forward.
Product: Credit reporting or other personal consumer reports

the inquiries are in dispute with the financial institutions and are under investigation for fraud and identity theft activities. 

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

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

today is XX/XX/2019 i look at my equifax credit report and i have over XXXX hard inquiries that i did not do or give anybody the ok to do i tried to call equifax atleast 10 times to get this fix i even put fraud alerts on my account so i DEMAND equifax to fix this matter asap its the law for someone to run my credit with out me knowing here are the inquiries ... XXXX XXXX XXXX .... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX-Mt ... XXXX XXXX XXXX   XXXX XXXX XXXX ... XXXX XXXX this just a few of them its like 50 of those on my report that i did not run myself i want this matter fix asap or else i would have to file a LAW suite on equifax
Product: Credit reporting or other personal consumer reports

Today XX/XX/year> I received notification from Experian informing me that they are refusing to comply with Federal law. The email communication I received denies my truthful and accurate fraud claim and reporting. Experian insists on continuing to unblock the fraudulent reporting of inaccurate fraud charges on my consumer report. 

This is your opportunity to cure and resolve issue before further legal action is taken.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. 

The following inquiries are incorrect : XXXX XXXX XXXX, 2023 and XXXX XXXX XXXX XXXX XXXX XXXX 2023. 


I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 

I respectfully request that you conduct a thorough investigation into these unauthorized inquiries and take all necessary measures to remove them from my credit report. 
Additionally, I request written confirmation once these inquiries have been successfully removed. 

Thank you for your immediate attention to this matter. I anticipate a prompt resolution to this issue.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 reporting or other personal consumer reports

Dispute of Incorrect Address on My Credit Report Dear Sir/Madam, I am writing to request the immediate removal of an incorrect address that is still appearing on my credit report. Specifically, this concerns the outdated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX that is no longer valid and should not be reflected in my report. My correct and current address is XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct an investigation of any information disputed as inaccurate or incomplete. The presence of this incorrect address is inaccurate and negatively affects me.

Furthermore, under FCRA, 15 U.S.C. 1681c ( a ) ( 5 ), credit bureaus are obligated to remove any obsolete or incorrect information from credit reports. Failure to do so may be considered a violation of the FCRA. 

I urge you to rectify this error immediately. If the requested correction is not made within a reasonable timeframe of 30 days, I will consider taking legal action to protect my rights under the FCRA. Additionally, violations of the FCRA can result in legal penalties, including punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
Product: Vehicle loan or lease

To make the long story short. 

I paid {$2900.00} in order to get my vehicle and property back. I got my vehicle from the auction where they had moved it to. And discovered it had been damaged. 

I called my financing company to put them on notice that my vehicle had a damaged windshield. And missing handle. They quickly sent me a damage complaint form. I went to retrieve my belongings on XX/XX/year> at XXXX I went to retrieve my property that was in my vehicle at the time of repossession.. I went to the back gate where they closed it behind me and gave me an ultimatum sign the document and get my property back.or I leave without my belongings. 

While looking over paperwork i noticed the language of the document would leave those responsible of the damage harmless of liability. I refused to sign and because I refused they still held on to my belongings ; So I paid the total balance of {$2900.00} plus the bogus processing fee. And I still dont have my belongings. I filed the damages complaint already but am I hoping to find an attorney who will help. Get my belongings and am looking to be monetarily compensated for all the violations. 


So I have photo evidence of the unlawful paper work that was presented to me. 
As well as photo evidence of the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX 2018 XXXX XXXX XXXX experienced a technical issue that affected the accuracy of the information to one of the credit reporting bureaus. As a result my mortgage account was reported delinquent 30 days.

They sent out a error report to the credit service but as a result my credit score went from XXXX to XXXX.
Product: Credit card or prepaid card

I have been defrauded of at least {$14000.00} from my BoA EDD debit card account. I have submitted multiple fraud claims with BoA claims dept. They have all been denied. 
There is more than enough evidence in my case to support my fraud claims. It is my understanding that BoA has the legal responsibility to ensure their customers funds from fraud, including very specifically fraud through means of electronic funds transfers, which have been employed in the theft of my funds. Nobody with whom I have discussed this in the past month has found reason to believe that what I have been through is anything but fraud, except for BoA ... Not the police, not the AG 's office, not the FBI, not even the BoA employees with whom I have discussed this, have had any reason to doubt my claims of fraud. 
I was contacted today by XXXX XXXX in the BoA Regulatory Comlpaint dept per XXXX XXXX, whom I have never spoken to. XXXX told me that I was going to be receiving XXXX XXXX 's findings in response to my complaints, and that the findings support BoA 's previous judgements against my claims. This is OUT OF CONTROL. 
I HAVE HAD ALL OF MY MONEY STOLEN AND Bank of America WILL NOT REFUND ANY OF IT. AREN'T THERE LAWS AGAINST THIS?!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect late payments appearing on my credit report issued by your agency. The erroneous details are as follows : List Incorrect Account Names with Late Payments XXXX. XXXX XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX. Auto Loan - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX This letter constitutes a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The incorrect late payments negatively impact the accuracy of my credit report. 

15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The incorrect late payments do not accurately reflect my payment history and should be corrected or removed. 

I kindly request that you investigate the accuracy of the late payments reported on my credit accounts, correct any inaccuracies found, and provide me with a free copy of my updated credit report reflecting these corrections. 

Failure to address this dispute may result in legal action as permitted by the FCRA. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

Hi, I have asked PayPal for help and I have also sent them the requested documents. However, they are still not allowing me to have the {$30.00} which is in the account. 

Additionally, they are keeping {$30.00} in the account and not allowing me to transfer it to either of the two bank accounts that were already associated with the account. 

Please help. I would like my full {$30.00} returned to me. 

The account is listed under the email address of : XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

XXXX XXXX 2016 : XXXX XXXX XXXX XXXX XXXX ( creditor- XXXX XXXX ) {$450.00} account removed by Transunion ; still being reported on XXXX . I have disputed with XXXX and they have not removed. It is also showing on XXXX still. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( credior- XXXX ) {$91.00} : removed by Transunion : XXXX has not cooperated in deleting, and is still reporting. Still showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX ( creditor- XXXX ) {$360.00} removed by Transunion , XXXX has not cooperated in deleting and is still reporting. Still also showing on XXXX. 

XXXX XXXX 2016 : XXXX XXXX XXXX XXXX ( creditor XXXX ) {$540.00} removed by XXXX Transunion is still reporting, although I disputed with them. Also showing on XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by 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 to the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX of XXXX {$45000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Closed XXXXXX/XX/XXXXXXXX XXXX XXXX {$45000.00} Account XXXX Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XX/XX/XXXXXXXX, XXXX {$40000.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Open. 

XXXX XXXX {$2600.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off. 

XXXX XXXX {$2900.00} Account Information Account Number XXXX Date Opened XX/XX/year> Open/Closed Charged Off
Product: Credit card

I had a credit limit of approximately {$11000.00} in XX/XX/2023. I had a credit balance on my account so when I made a purchase I thought it was against the credit. I wasnt aware of the check mailed. When I discovered the balance due in XX/XX/2023, I paid the bill immediately and they removed the late fee. 
So, XX/XX/2023 I was trying to book trip and the transaction was declined twice. I wasnt aware they reduced my credit limit to {$200.00} due to a missed payment in XX/XX/2023. My account has been in great standing prior to this and I would like to have my credit limit restored. I have called them numerous times and so told I have to proof myselfI have done if they review my account. Case XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a withdrawal of $ XXXX dollars on XX/XX/2021. I never recovered it yet Coinbase says they sent it and my bank never seen it. Moving along, my account has been compromised and no one is helping with that either. I keep getting emails to verify my account to regain access and I STILL get the same results. I just want my money back please and my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX to get my credit reports through, and my Equifax report showed that I had 3 payments NOT received this month for XXXX XXXX. I am a XXXX XXXX. ( XX/XX/19 called ALL DAY waiting for call backs ) ) and I am on XXXX ( Mental health XXXX etc. ) and my XXXX XXXX payments are paid monthly out of my check BEFORE I receive it. ( AUTOMATIC ) I contacted Child support and they said that they've received this months payments and I am NOT behind in any way on payments. They suggested I file a complaint through the reporting agencies web site and try to resolve it. 
I attempted to do this through Equifax, but for some reason, after looking up all the info online to verify my identity ( Security questions / Highly sensitive questions about balances etc. / personal information, and more information than I can even REMEMBER ) ) They wanted me to send them a copy of my birth certificate and drivers license. 

I checked TODAY on whether my data was breached through Equifax ( Recent judgment against them for security breach ) and found that my information WAS breached, so I filed for compensation and successfully completed that process. FUNNY how someone was able to get my information so easily, yet I can't even get through the front door of this company to just correct missed payment status on my report??? 

I called them 4 times, and each time I got the same run around, and asked for a supervisor after the 3rd time, and I still got the same exact questions ( Verbatim ) from what they tried to say was a SUPERVISOR : ( : (
Product: Money transfer, virtual currency, or money service

I have been using Venmo for the last several days for payments of high school hockey tickets. I was scammed so reported a problem to Venmo and now have been been banned for suspicious activity.
Product: Student loan

My payments are consistently misapplied to my outstanding loans, such that my status is showing as 'Past Due '.

My payment amount is XXXX, which I send via check each month. The check is cashed on-time, before the loan is due, and then applied to just about everything except what is *actually* due. My last payment in XXXX was applied erroneously to XXXX XXXX, leaving XXXX XXXX 'delinquent '. 

The statement I get each month gives me a due amount, and that is what I send. There is no place to designate ( nor should I have to in any case ) *where* or *how* the payment should be applied. As I understand it, that is the sole purpose the loan " Servicer '', to send out bills, collect payment, and apply them properly. 

This mis-application of loan payments has been consistently happening for almost a year, requiring me to call in, point out their error, only to be told that they'll put in a 'Finance Inquiry ' with no expected resolution date. Meanwhile, my credit can be impacted from THEIR mistake. They say any payments will be back-dated and credit report resolved. Given I've never received confirmation when this has been resolved, that it's been back-dated, and they can't manage a most basic function of their existence, I have zero confidence that they're going to 'fix my credit ' if it's ruined by them.