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

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other names or addresses on my consumer report.
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint against Experian for failing to properly investigate and remove inaccurate collections from my credit report, despite my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the FCRA, credit reporting agencies ( CRAs ) are required to conduct a reasonable reinvestigation of disputed information and respond within 30 days ( or 45 days if additional information is provided by the consumer ). Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that, when a consumer disputes an item, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and delete or modify the item if it can not be verified.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that, if an item can not be verified, the CRA must delete it from the consumer 's file. 
15 U.S.C. 1681s-2 ( b ) requires that furnishers of information ( such as debt collectors ) must also conduct their own investigation when a dispute is filed and report accurate results to the CRA.

Experian failed to remove or update these accounts, despite my dispute. Based on my rights under the FCRA, if the disputed information can not be verified, it must be deleted from my credit file. Since Experian has not provided verification but continues to report these collections, they are in direct violation of their statutory obligations under the FCRA. 

I am requesting that the CFPB investigate this matter and ensure that Experian complies with federal law by conducting a proper reinvestigation and removing any unverifiable information from my credit report. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered fraudulent account that I did not initiate. 

account XXXX XXXX account number XXXX date opened XX/XX/year> balance XXXX XXXX This unauthorized account have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent account as it may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of this account has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. 
I demand immediate investigation and removal of this account from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious account in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary. 
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit card

My account has been locked and Capital one emailed and texted me to call their fraud department. When I call to find out why, they tell me in order to unlock the account that they need to verify my ID. However they can't use my cell number which is on file with them. I try to use their system to upload a copy of my drivers license and their system rejects it. When I ask to speak to a supervisor, they tell me there are no supervisors on duty and to call back later. When I aske them to call me back they say they can't call me, I have to call them. 

However the are willing to close my account if I want, without verifying my ID. This makes no sense at all.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$380.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY ON ALL 3 CREDIT BUREAUS PER 15 U.S. Code 1681b - Permissible purposes of consumer reports AND 15 U.S.C 6802 Gramm-Leach-Bliley DEPT OF ED/XXXX XXXXXXXX {$52000.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$1000.00} {$0.00} DEPT OF ED/XXXX XXXX {$1800.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX - -No Data NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00} NAVIENT XXXX {$0.00} {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an account XX/XX/2020. I disputed the amount because when they reported on XX/XX/2020 they report a payment but not that that was the final payment and the account was XXXX. TransUnion states they investigated and said they ended the investigation on XXXX XXXX and I still owe a little over {$2100.00}. I called XXXX XXXX and told them I dont see how XXXX and XXXX have a XXXX balance and they are still reporting {$2100.00} as of XXXX XXXX when it was paid XX/XX/XXXX and the company sent me an email when I called them before XX/XX/XXXX saying it was XXXX. Also got an email today ( XX/XX/XXXX ) from the manager stating it is XXXX after I got off the phone with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 9th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX A XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violating my consumer rights per the following information : Upon reviewing the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). Here are some of the discrepancies that I found : Account Type - Detail : XXXX does not provide any information about the account type, while TransUnion and XXXX both indicate that it is a charge account. This inconsistency could be considered a violation of the FCRA section 607 ( b ), which requires that credit reporting agencies maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

High Credit : XXXX reports a high credit limit of {$650.00}, while TransUnion and XXXX both show a high credit of {$0.00}. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to follow " reasonable procedures to assure maximum possible accuracy '' and to provide information in a way that is " fair and equitable to the consumer. '' Date Last Active : TransUnion and XXXX both show a last active date of XX/XX/2018, while XXXX shows a last active date of XX/XX/2018. This inconsistency could be a violation of FCRA section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

Date of Last Payment : XXXX shows a last payment date of XX/XX/2018, while TransUnion and XXXX show no information about the last payment. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to provide information in a way that is " fair and equitable to the consumer '' and to follow " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

In summary, the inconsistencies in the credit report violate the FCRA sections 607 ( a ) and 607 ( b ), which require credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report and to provide information in a way that is " fair and equitable to the consumer. ''
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX " I have been disputing several inaccurate items on my credit report through the credit bureaus also with the FTC for several months about the credit reportioning company EXPERIAN agency. Despite providing substantial evidence to support my claims, the items remain on my report. These items are *XXXX XXXX** - **Account Number** : XXXX - **Balance** : {$820.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Balance** : {$1100.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Balance** : {$4900.00} - **Date Opened** : XX/XX/XXXX XXXX. XXXX XXXX : - **XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX XXXX *XXXX XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX I submitted required documentation,. However, I have not received a satisfactory resolution, and the inaccuracies persist. The credit bureaus have failed to remove or correct the disputed items, and I am now requesting that the CFPB intervene to ensure that my credit report is accurately updated and the dispute is handled in compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

According to FCRA Section 605B ( a ) the Equifax 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.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not updating my credit report. In XXXX my statement closed with a {$480.00} balance. I have not only paid of my balance every month since then, I have overpaid, and they are still reporting {$480.00}. Today XXXX reported that XXXX reported a {$480.00} balance on XX/XX/XXXX, but I have provided statements that show that this is incorrect. As a result, my credit score dropped almost XXXX points!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

had fraud on XXXX XXXX, reported to XXXX  they done there invesgation at the end they found me not liable foe the XXXX balance transfers but my checking acct is linked to XXXX XXXX for paying purposes so i am guessing that is how the smae charges showed up on may checking acct and savings acct, when XXXX started dening the XXXX XXXX tranfurs they went to my chase acct, i contacted chase ASAP and we closed all my online stuff down changed all my passwords and I D, chase after 5 days returned the money back XXXX for XXXX the second for XXXX both to XXXX one week later chase took the money from me again so i called asap and was told by chase that they cant fully prove that i did or didnt do the balancetransfers, i have spent several nights on hold and re explaining the entire story only to XXXX told by chase that they will never return the money they have robbed from ever, XXXX i went to chase branch in XXXX XXXX spent about hour with a man proved to him that i didnt do this he called head office told them what he found and was told to bad so sad, all of this has happened between XXXX and XX/XX/2024, sorry i dont have better dates or typing skills XXXX XXXX XXXX # case # XXXX gave chase the same info they will not make the call
Product: Credit reporting or other personal consumer reports

As a victim of trafficking, my personal information was misused without my consent. I request that these fraudulent accounts be investigated and removed from my credit report. 
I am requesting that you thoroughly investigate the above accounts and remove any fraudulent information from my credit report. I understand my rights under the Fair Credit Reporting Act ( FCRA ) and appreciate your prompt attention to this matter. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2300.00} XXXX. XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Still have not received $ XXXX withdraw made from coinbase through XXXX account. 

XX/XX/XXXX - Withdraw was made at XXXX for {$50000.00} Confirmation email has estimated arrival date XX/XX/XXXX 

XX/XX/XXXX emailed support case # XXXX Other emails sent XX/XX/XXXX amount still not present in account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents, I'm so stressed and disappointed that you are reporting me late when it never happened. I want you to update my credit report as soon as possible to current and paid as agreed without late payments remark.
Product: Credit card

I requested a death certificate from the state of MD. The means to obtain the death certificate is through a government/private contractor- Vitalchek. After cancelling the request, I was informed that all but {$13.00} of the {$43.00} fee charged would be refunded in approximately 30 days. The {$13.00} nonrefundable fee WOULD NOT be refunded. When encouraged government entities to use online services to pay and save money for government services, private contractors should NOT benefit financially by refusing to refund extremely high fees and claim arbitrarily that such fees will not be refunded. Moreover, such practice- not refunding fees within reasonable time is a practice where the private company/government EARNS INTEREST when held over a reasonable period of time, especially when payment for such services are to be paid instantaneously. 

I requesting the practice of EARNING interest on payments made for government service through private entities should cease on behalf of myself and others similarly situated. 

In addition, I am requesting a total refund together with any and all interest earned by such such questionable monetary practices.
Product: Money transfers

Purchased a XXXX XXXX XXXX from XXXX XXXX website - XXXX - for {$10000.00} and never received the vehicle. My sales manager was XXXX XXXX - XXXX|XXXX - I wire transferred the funds from my bank to a Well Fargo Account as per their instructions. When the transport company went to go pick-up the vehicle they advised the XXXX had damaged never advised so they made a decision to refuse the vehicle. I requested a refund and XXXX XXXX declined and advised " ... I agree to take a vehicle that matches my criteria. '' I worked feverishly with XXXX & another salesperson XXXX XXXX and secured a replacement vehicle. It was set for transport and this time XXXX advised XXXX was removed from my account based on agreeing to sell me a XXXX XXXX XXXX for less than the fair market value and requested an additional {$4500.00} for a total of {$14000.00} plus shipping. 
I am requesting a refund of the {$10000.00} I wire transferred as it seems they will continue to request more money on every vehicle I choose. I think this is a scam.
Product: Credit reporting or other personal consumer reports

The XXXX loans listed on my account that's being reported by all of the three credit bureaus have been discharged. Attached to this complaint is a copy of the discharge letter which can be used as proof that these accounts should no longer be reporting on my credit report.
Product: Credit card or prepaid card

Loss of job, house, and wages due to COVID- 19, Since then I have been declared XXXX XXXX XXXX and now I am on a set income from the government and deem totally disable