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

EXPERIAN, I'D SUGGEST YOU READ THIS ENTIRE COMPLAINT BEFORE RESPNDING WITH THE SAME COPY AND PASTE REPLY YOU GIVE TO EVERYONE. THE NEXT CONTACT WILL BE FROM AN ATTORNEY. 

CFPB I'M HEREBY REQUESTING YOUR AGENCY GET INVOLVED. EXPERIAN CONTINUES TO DENY CLAIMS OR COME UP WITH NEW REASONS TO DENY. XXXX AND XXXX HAS UPDATED MY REPORT WITHOUT ANY ISSUES BASED ON THE INFORMATION I PROVIDED. 

On XX/XX/2024 Experian was delivered an IDENTITY THEFT packet. In this packet it included the following : Statement on identity theft drivers license social security card bank statement to prove address FTC Identity Theft Report Detailed list of which items was identity theft Detailed list of which addresses was not mine Detailed list of different names showing that were not mine Detailed list of different social security numbers that showed on report, that wasn't mine Since the very beginning of this process with Experian, they have continued to deny the request, when called on the phone was spoken to very unprofessionally, hung up on etc. Every few days I get a new email making other false claims of items missing. 

There is the email sent to me today : _____________________________________________________________________ We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we do not know which items on your credit report are the result of identity theft. Please indicate the specific items on your personal credit report that appeared as a result of the fraudulent activity, and include the information listed below : Account name ( XXXX ) Account numbers The dates of the fraudulent activity One copy of a government issued identification card, such as a drivers license, state ID card, etc. 
One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years _____________________________________________________________________ On the FTC Identity Theft report is CLEARLY states which items are IDENTITY THEFT! XXXX and XXXX had no problem whatsoever with reading the document, and this is just prime example of Experian violating the law as CFPB has fined them several times before.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

In 2005 I was added as a user on my grandmothers Discover credit card. Since then I have never had possession of a Discover card to use or account access to pay anything on the card. It was strictly for her to use and help build my credit. Now 15 years later my grandmother has had two XXXX, several hospital stays and is currently in XXXX which resulted in two missed payments to Discover. I learned about this when I ran a credit report to get a mortgage loan on a house, when I contacted Discover about this for resolution, they refuse to remove me as a user on the credit card, which is all I asked of them. I contacted them twice In fact in which the last time they informed me the account would have to be paid in full and closed or one of us would have to die to be removed from the credit card.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft involving a fraudulent account with XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account, which I did not authorize, has a balance of {$1700.00} and includes incorrect personal information such as an address and phone number that do not belong to me. 

Despite my multiple formal disputes and provision of evidence, XXXX XXXX has continually verified and updated this erroneous account on my credit report. Their actions violate the Fair Credit Reporting Act ( FCRA ), as they have failed to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and have not properly reinvestigated disputed information ( 15 U.S.C. 1681i ( a ) ). Additionally, their conduct breaches the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair practices and reporting false information to credit bureaus.

The persistent presence of this fraudulent account on my credit report has significantly harmed my creditworthiness, caused undue stress, and negatively impacted my financial stability. I urgently request that the CFPB intervene to ensure the immediate removal of this fraudulent account from my credit report and to hold XXXX XXXX accountable for their ongoing violations.
Product: Debt collection

ACIMA CREDIT XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX the company said I owe them the amount of {$2000.00} dollar. They just put it on my credit report with out a notice or chance to dispute the debt. The collection has been reported as charge-Off. this company does not have contract with my signature
Product: Credit reporting or other personal consumer reports

I am not linked to the listed creditors, and the inquiries are not mine.
Product: Mortgage

Went to Amerisave and I have been having problems getting the loan. I paid for the appraisal {$400.00}, but they are really dragging their feet. I have been trying to get loan since early XXXX. I requested a refund of the {$400.00} appraisal but they would not give it back or give me a copy of the appraisal. They are making excuses and postponing the loan. They keep making excuses that they need more and more paperwork.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXXXXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( SECURITY CREDIT SERVICES ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted Transunion about unauthorized inquires on my credit report. I was told to call all of the companies inquiring about my credit report and get them to remove the inaccurate information. The companies said they had no information on me and that there was nothing that they could do. I contacted Transunion and was informed to file a complaint with the FTC because they couldn't do anything. It's very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to XXXX   XXXX  and Experian credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. XXXX, XXXX and Experian sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???
Product: Checking or savings account

Dear sir/madam, I have noticed these two illegal removal of funds from my account : 1. On XX/XX/2022, the amount of XXXXXXXX XXXX was transferred out of my account without my authorization 2. On XX/XX/2022, the amount of XXXX was removed from my account as closeout withdrawal without my consent. 

Kindly ask XXXX XXXX XXXX to return all my money in full. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a derogatory remark on my account in credit reporting agency like XXXX, XXXX  and equifax. The truth of the fact is I did borrow money from the department that reported that. I am a service member and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XXXX XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.
Product: Debt collection

For the last week I have been getting constant calls everyday at least 3-5 times daily. Also calling from No caller ID multiple times a day. In the last 24 hours, Ive received 8 calls from the reported number and 4 calls from No caller ID
Product: Debt collection

In XX/XX/XXXX, National Credit System ( NCS ), Account Number : XXXX, began fraudulently reporting an inaccurate account on my credit report. This account was sold to XXXX by XXXX XXXX XXXX XXXX, also known as XXXX XXXX, a XXXX XXXX  company located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This reporting was done without my authorization and does not correspond to any legitimate debt I owe. 

On XX/XX/XXXX, in the State of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case Number XXXX, the court dismissed the plaintiff 's money claim against me without prejudice. Despite this legal ruling, NCS persisted in reporting the erroneous account, which has severely impacted my XXXX XXXX and financial stability. 

Approximately XXXX year ago, I contacted NCS through my premium XXXX XXXX account to request detailed information regarding the account. This communication occurred on a recorded line facilitated by XXXX XXXX. Ncs failed to provide any documentation or explanation to substantiate their reporting, despite multiple requests. 

I submitted numerous disputes with XXXX, providing substantial evidence including legal documentation, original lease agreements, contracts, court findings, and other supporting materials. While Ncs subsequently removed the account from XXXX and XXXX, they failed to do so with XXXX. Instead, the account remains inaccurately marked as " XXXX '' and " XXXX, '' without any justification or supporting details from NCS. 

The failure of Ncs to properly address and rectify this fraudulent reporting has directly hindered my ability to build and establish both personal and business credit. Since XXXX, I have worked diligently to create and manage XXXX businesses : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This unlawful reporting has not only jeopardized my financial credibility but has also placed undue strain on my ability to secure business financing, establish trade lines, and grow my companies. 

The harm caused by Ncs 's actions extends beyond financial inconvenience. It is a direct assault on my ability to support my family, build generational wealth, and maintain the integrity of my personal and professional reputation. These actions are not just negligent but criminal, and I intend to press criminal charges against NCS for the financial harm and damages they have caused.
Product: Money transfer, virtual currency, or money service

Ive uploaded money on my app years ago and they closed my account and took thousands. I am a cashapp user that has had thousands of money taken from me after trying to send it over. Also none of my disputes came back. Im in lose of thousands. From years ago from cashapp. My cashapp is XXXX XXXXXXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Please Send To Cashapp
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX to XX/XX/XXXX (19 months) I had a recurring payment of $XXXX monthly without my consent and acknowledgement on my daughter's checking card. Transunion plus subscription service has been charging me for months without proper notice to customer. I also do not have any record or even active account with Transunion plus that I have agreed for this service. I contacted the company regarding this matter and they said only thing they can do is to cancel the subscription but no refund because I must have agreed to subscription however upon researching, it seems that they have done this to many others without proper notice (They trick you into their service). I have never given them my daughter's checking card number to begin with.
Product: Mortgage

Real Time claims to own the note and right to foreclose. Upon my own review of documents I never applied for this loan separately, all this was done by the lender, it was not presented during closing as a HELO, I was never given any copies of the paperwork until I questioned the authenticity of the loan. Most importantly I was scheduled to close on the property on XX/XX/year> but had reservations so I did not close on that date. Apparently the lender, lawyer representing me, and all other parties, wanted to hurry and close so no one wanted to change the date. The closing was actually done on XX/XX/year>. 
Also there have been a few sales of this property. The last info I received shows 2 liens on this property. The latest lien holder according to XXXX XXXX XXXX XXXX, is XXXX, RTR HAS NEVER HAD A LIEN, nor has this loan ever been reported as a debt to any credit reporting agency. Why wait 16 years to begin a foreclosure. Documents included.
Product: Credit card

During a hardship, my bank was informed of my situation and was receiving arrangement of payments. Payments was made as agreed, but apparently it wasn't good enough. So, they transferred a week and a half of my income to my credit card account to make it current without my authorization. Then, in return showed me no concern when I mentioned that I was never late until this unexpected time in the economy. My hardship is fuel by inflation and a extreme decrease in my rate of pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called in and gave my information to have a security freeze removed. I was told that it was removed and this is the confirmation # XXXX When I applied to XXXX for credit I was denied because they can not locate file again. I reached out to XXXX/TRANSUNION and they said I had to supply my i.d and social again. I have supplied already multiple times and still no update. I have attached for you as well Every time I call they tell me I have to submit documents that I have submitted over 10 times. I am waiting my time and my money. I have been trying get this taken care of for over 6 months.
Product: Credit card or prepaid card

I was offered a 0 % balance transfer from my XXXX XXXX XXXX. I replied to transfer my XXXX  card balance of {$730.00} on XX/XX/2019. My XXXX  account was charged the {$730.00} on XX/XX/19. My XXXX account was never paid the {$730.00}. I sent a message on XX/XX/19, and received a reply on XX/XX/19 that it takes 14-21 days to transfer. I sent another message on XX/XX/19 asking where the money was since I was charged on my XXXX for the {$730.00} transfer but it was never paid to XXXX   yet. I sent another message on XX/XX/19 asking again where is the money? I then called their Comenity Capital Bank consumer care department on XX/XX/19 spoke to XXXX  and was told they will look into it. I received a message on XX/XX/19 saying they are working on it. I just sent another message on XX/XX/19 asking where the money is ... .... I just checked my XXXX account XX/XX/19 and it has never been paid. The XXXX  statement on XX/XX/19 came in and I got charged interest of {$15.00} which should never have happened. It should have been paid by XXXX in the balance transfer request from XX/XX/19. Someone needs to be accountable.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The following unauthorized inquiries are on my credit reports for all three major credit reporting bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In the summer ( XXXX? ) of XXXX I started the process to switch my home Internet/phone provider to XXXX XXXX XXXX XXXX. Their pre-installation service was poor, the first two days of the service were even worse. I immediately terminated the service ( less than 48 hours in service ) and switched back to the previous carrier, XXXX. I argued with XXXX that they were not right in attempting to charge me for a month 's service fee when that service was a ) completely unsatisfactory, and b ) provided for only two days. They stopped communicating with me after about two months of my receiving bills and calling them. Apparently, they then sent my file to collections with Southwest Credit Systems , L.P . I only just yesterday ( XX/XX/XXXX ) found out about this outstanding " debt '' while checking my credit report due to an unexpectedly low credit score.
Product: Credit reporting or other personal consumer reports

MY RIGHTS HAVE BEEN VIOLATED. EXPERIAN HAS BEEN WILLFULLY NON COMPLIANT WITH THE LAW UNDER 15 USC 1681. 

I will be seeking litigation after this final attempt to fix this. 
I have been dealing with this since XXXXExperian replied on XX/XX/24 and as of XX/XX/24 it hasn't been fixed nor have I been contacted. More than 30 DAYS have passed The account is a conns charge off. 


ALSO The following codes have been violated. 
15 USC 1681b-permissible purpose 15 USC 1681 Section 602A-right to privacy 15 USC 1681 Section 604A -written consent 15 USC 1681eb-maximum accuracy 15 USC 1681S-2a1a-reporting information with knowledge of errors 15 USC 1681 ( 2 ) ( a ) ( i ) -reporting information solely as a transaction between consumer and the furnisher is PROHIBITED I have my lawyer ready to file the lawsuit within 15 days from receipt of this.

see attachements
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX