23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

* Experian continues to report an item on my credit report and has not provided any information regarding the validity of the item after several requests. The party they have listed will not communicate with me regarding the information being reported and both XXXX  and XXXX  have stopped reporting as a result. 

* On XX/XX/XXXX, Experian was mailed ( certified ) five disputes related to information being reported on my credit report, showing the inaccuracies and demanding the information be updated or removed from my report. 

* After not having received any confirmation via the Experian app and having confirmation from the USPS the disputes were received on XX/XX/XXXX, I contacted Experian again via phone to request the status of the receipt of the disputes. 

* I spoke with XXXX, who's supervisor is XXXX with the dispute team 'XXXX  ' who advised the only thing received by Experian was one ( 1 ) letter on XX/XX/XXXX for one of the items that has since been removed. He also stated that he can not provide me with any information that is located in my file and I have to reach out to the company reporting the information, 'XXXX XXXX XXXX ', who also will not provide me information because IT IS NOT MY ACCOUNT. Experian has advised they have no duty to provide me any information to validate what the information is or how it is reported, the party reporting would not provide details as the debt is not mine. 

* This is the 3rd time I've attempted to get information and Experian has never provided me with a response to any investigation, they just seem to have automatically update the comments ( as clearly visible in the attached screenshot submitted in my dispute letter ) without showing me how they verified any information and I haven't received anything from the party reporting the information either. 

* Experian will not accept the information I have mailed them, they will not investigate the information I have mailed them and they will not update the inaccurate information I have mailed them, even though the other bureaus PROMPTLY removed it. They will not provide me any information regarding the account reported on my report * I have the tracking numbers as confirmation that all five ( 5 ) of the disputes were mailed to, delivered, and received by Experian on XX/XX/XXXX ( attached ). 

This is being reported today and I will report back when the 30 days have expired as there is no way they can complete an investigation in 30 days because they keep attempting to use the 'we never received your dispute ' stall. I will report again after that if this information is NOT REMOVED from report before XX/XX/XXXX.
Product: Debt collection

On XXXX XXXX I received a collection notice from my credit profile alerting that credit collection services was attempting to collect a debt in regards to doing business with XXXX XXXX XXXX company, in the amount of {$100.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; I have not signed any contracts with this company and have received no verification or validation that it was lawful to collect such a debt. The securities of the contract was provided with the CUSIP number when originally signed with the original company so this company is trying to steal a securities of such. 
NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.
Product: Debt collection

The account was originally XXXX and account was sold to XXXX. I called XXXX XXXX  and directly paid with with them for the amount of {$370.00} on XX/XX/2023 @ XXXX XXXX. this account needs to be changed to " paid in full '' and closed immediately and removed off all three credit bureaus. 

The account should have been taken out of collections and been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian to remove inaccurate information from my report. but they refuse to make the adjustments to my report, which is to remove the personal information that I want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. financial institutions arent supposed to share my information with third-partys. 

These are clear violations of my Federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 



1. XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 4. XXXX  - XXXX XXXX  Account Number : XXXX Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card with Bank of America for over XXXX years ; that I have never, ever missed a payment on. 

In XXXX ; after I had a few fraudulent charges on my card they closed the account on me and would not give me any explanation. They claimed they sent me letters XXXX  but they were lying. 

Even though they closed the card I have continued making the payments on time. 

However I noticed my balance was going up ; went to the branch and was told they had charged me late fees. Apparently they decided to raise my monthly minimum payment ; didnt notify me ; then added late fees ; which they refuse to remove. 

This is ridiculous ; all Bank Of America does is charge consumers excessive fees and they keep getting in trouble for it over and over and over.
Product: Debt collection

Equifax- The following accounts are reporting inaccurate information on my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$910.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1500.00} These accounts are showing up on my credit profile, I did not give authorization to have these items listed nor do I have any knowledge of said accounts. Please do a reinvestigation of said accounts. These accounts are in violation reporting past due amounts on a charged off account
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT : XXXX THIS NOTICE SHOULD NOT BE ON MY CREDIT REPORT ; ATTACHED IS MY SSN GIVEN BY THE GOVERNEMNT Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX months, or the last XXXX  years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


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

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency XXXX, XXXX, Experian and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX  I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.
Product: Credit reporting or other personal consumer reports

I am refiling my complaint to EQUIFAX regarding the unresolved fraudulent accounts still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent accounts listed in my prior disputes, as they violate my rights under the FCRA.

Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report. I don't recognize the account number. I don't recognize the account status. I don't recognize the account 's high balance, nor do I recognize the later payments associated with it. Everything reported here does not meet the FCRA. 

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) XXXX We have reviewed the judgement information. Case or ID # XXXX The results are : We have verified that this public record item is reporting correctly. If you have additional questions about this item please contact : XXXX I have disputed this information with equifax , as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However Equifax is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with equifax. 

below was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX Satisfied Judgment Filed XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XX/XX/XXXX ; Verified XX/XX/XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX
Product: Debt collection

I have tried to fix this as whoever did this had used mine and my wifes info and we are very upset as we have dealt with this issue so long and the have done a charge off but it is still on our report and making problems, my wife and i have always paid everything and not sure what is going on help us get this removed from our report
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was used without my knowledge and I have inquires that I did not approve.
Product: Debt collection

XXXX appears on my credit report last updated XX/XX/2018 for Accelerated Financial. I have reached out to them requesting information spoke with a rep name XXXX ( I think ) that said she only had 2 pieces of information that was the same information and no signed contract to provide. I asked her to remove the account from all 3 reporting agencies until she had proper information because I have disputed them 3 times which these last XX/XX/18 came back as valid. The rep transfer me over to XXXX XXXX where he states he has all the signed documents and could send them out to me. I told him to fax them and he said no and the debt will remain and he was not going to remove. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted.
Product: Checking or savings account

They locked my account because of me trying to send money to myself at another institution via XXXX. 

First of all, I wouldn't have even had to use XXXX if I could send money to my other account without a fee, but they charge you to send money to external accounts. No other bank I have does this. Since they do this, I tried to transfer the money via XXXX instead since there are no fees. 

I had less than {$1000.00} in my account, but they wouldn't let me send it all at once. So I had to break it up into XXXX smaller transactions of {$200.00} each and another transaction of {$63.00}. The first XXXX went through, but they blocked the last XXXX transactions saying they needed further review. I went ahead and just canceled the last XXXX transactions. 

When I attempted to log in a couple days later, access to my online account was locked. I called the number on the lock screen, gave them all information to verify I owned the account and that the transactions were legitimate, yet they still wouldn't release the hold. 

They said I needed to drive to a branch ( which is over an hour away ) to release the hold. I didn't have to go to a branch to open the account. I did it online. I didn't even have to go to a branch to deposit funds. It was all done digitally. So why would I be forced to make a two hour round trip to get access to my own money? 

I then asked them to go ahead and close the account and send me a check for the remaining funds. They said they couldn't do that without me going to a branch either. In all my days of digital banking never once have I heard such a thing.
Product: Debt collection

This complaint is for XXXX XXXX Bank and their collections services ARS National Services Inc. The account I had with XXXX was for a credit card that needed to be paid. The account was then passed to ARS National Services for collection. I called ARS National Services on XX/XX/XXXX and identified the debt with XXXX XXXX Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX XXXX  account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that ARS accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to XXXX XXXX XXXX, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and ARS National Services are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by ARS, and what was discussed verbally on the phone. Supporting documents are in the attachments.
Product: Credit card or prepaid card

Capital One reports to the three credit bureaus that I owe money.  I did not open these cards nor do I owe any of these companies any money.
Product: Checking or savings account

Capital One will not let me access and send money through XXXX that is in my checking account. I had to call 8 separate times and each representative tells me a different answer. The funds are being flagged as suspicious. Ive called given all information and nothing is suspicious. However, they will not let me access my own money and send the money. I was told to wait 24 hours, lower the amount sent and other options. Nothing works or has resolved the issue. I need to send this money and it is in my account and no one will help me. Let me send MY Money through XXXX. Quit freezing my own account and figure out how to let people send this money not that it is automated and no one can help me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXXXXXX XXXX Balance : $ {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX  Balance : {$220.00} XXXX XXXX XXXX  Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$150.00}.