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

I am filing this complaint regarding multiple unauthorized and inaccurate inquiries being reported on my credit report by Experian. These inquiries were not authorized by me and are not associated with any of my current accounts or credit applications. Their continued presence on my credit report is unjustly damaging my creditworthiness. Despite my repeated efforts to resolve this matter directly with Experian, these unauthorized inquiries remain on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include cases where I have explicitly applied for credit, sought employment, obtained insurance, or provided direct consent. The inquiries in question fail to meet these legal criteria, and their reporting constitutes a violation of the FCRA.

Furthermore, under FCRA Section 1681i, Experian is obligated to investigate consumer disputes and correct inaccuracies promptly. I have disputed these unauthorized inquiries multiple times via mail and through Experian 's online dispute portal. However, no corrective action has been taken. This lack of action directly violates XXXX legal responsibility to ensure accurate and verified reporting. 

The presence of these unauthorized inquiries misrepresents my financial behavior, creating an inaccurate and misleading credit profile. Inaccurate inquiries can unfairly lower credit scores, resulting in financial harm, including higher interest rates, denied credit applications, or diminished financial opportunities. 

Resolution Requested : Immediate removal of all unauthorized and inaccurate inquiries from my Experian credit report.

Assurance that Experian will conduct a thorough review of my credit file and implement stronger controls to prevent unauthorized inquiries from appearing in the future. 
Written confirmation of removing these inquiries and verifying compliance with FCRA requirements. 
Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will ensure Experian upholds its obligations under federal consumer protection laws. 
XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

I called XXXX, XXXX, And XXXX about XXXX months ago ( date unknown ) demanding they provide me the original bill of sale. They hung up on me. I filed a dispute claiming the debt was NOT mine. And they are now sending harassing letters multiple times a week demanding I pay or get sued and go to jail. Now when I call to try and settle this like they ask. They refuse to answer the phone. They threatened to take over ownership of my accounts. They threatened to put me in jail. And are now filing a lawsuit against me without me being able to defend myself. I need help.
Product: Prepaid card

Hi my names XXXX and I live in Georgia. Recently I received an AMEX gift card, but Ive been disappointed for the last few days because I am constantly trying to use this card and no where is allowing me to make purchases. Even online! Ive called American Express but they are useless and tell me to make sure information is right..Nothing has worked. I dont know what else to do. I would hate to throw the card away even though I know theres a significant amount of money on the card. Help me please!
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA, FIA CARD SERVICES AND XXXX XXXX ARE IN COLLUSION AGAINST THE CONSUMER. ON XX/XX/2020 I APPLIED FOR CARD XXXX. BECAUSE OF BANK OF AMERICA XXXX XXXX IS FREZZING MY CREDIT FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted this company a few times over the past years. The original amount of {$95.00} was paid to the dentist and I was insured. They dont have any further records and cant confirm because the dental office closed its doors years ago! Please remove this from my credit report its been over 6years now. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report related to four closed accounts with DEPT OF ED/XXXX Upon reviewing my credit history, I have identified discrepancies between the reports of XXXX and those of XXXX and Experian. 

XXXX accurately reflects that I was " paid as agreed '' in XX/XX/2017 for the mentioned accounts. However, both XXXX and Experian incorrectly report a 90-day past due status for the same period, which I believe constitutes a significant error and a violation of the Fair Credit Reporting Act ( FCRA ). 

To substantiate my claim, I have enclosed a PDF document containing five pages. These pages highlight pertinent information such as account numbers, open dates, high balances, and detailed payment histories. The mentioned accounts are clearly outlined in the enclosed PDF for your reference. 

Additionally, I have included instructions to facilitate a clear understanding of the reported mistakes. I kindly request an immediate update of the four closed accounts with DEPT OF ED/XXXX on XXXX and Experian to reflect the accurate status of " paid as agreed '' for XX/XX/2017. 

Per the FCRA, I understand that credit reporting agencies are obligated to conduct a thorough investigation within 30 days of receiving a dispute. I anticipate your prompt attention to this matter and request written confirmation of the resolution, along with an updated credit report reflecting the corrections. 

Should you encounter any difficulties verifying the inaccuracy of the reported late payments, I insist on the removal of all four closed accounts from my credit report. 

Thank you for your prompt attention to this matter. I trust that you will address this dispute with the requisite diligence and adherence to the FCRA guidelines.
Product: Debt collection

I mailed the Experian requests to validate the debt on XX/XX/XXXX on XXXX I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.
Product: Mortgage

On XX/XX/XXXX I talked to XXXX XXXX VP at Citizens Bank, about honoring a rate of 3.125 for switching to them. XXXX sent me an email in writing after talking to assure me that my rate of 3.125 would be honored. I was told on the call that I would see points and a cost I had to pay show up, but to ignore it and they'd credit it on the back end. XXXX assured me he'd send me an email saying they'd honor the rate so not to worry about it. XXXX said XXXX XXXX would take care of me and he would fill him in on the situation. 

From there I worked with XXXX XXXX, I mentioned multiple times during calls with XXXX that the numbers were still showing on disclosures and XXXX said XXXX and team was working on it. 

I reached out via email on XX/XX/XXXX after receiving another disclosure showing XXXX in fees I owe for points to lower my rate. This is 2 weeks before closing on the home. In my reach out I asked when this would be addressed. I received a phone call from XXXX XXXX on XX/XX/24 explaining that they would not be honoring what was sent in an email over a month ago, but rather I would be having to pay to lower my rate to the agreed upon amount and encouraging me to explore moving my rate up. 

I've been told there is nothing they can do there is a maximum of 1 % they could credit me, and that I would be left to pay the rest. No one informed me of this, or ever discussed this in writing of via phone call with me until we're 2 weeks away from closing.
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. 

XXXX XXXX - Account number # XXXX XXXX XXXXXXXX - Account number # XXXX XXXX  - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX XXXX - Account number # XXXX, has violated my rights. 

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 an 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 items 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

In accordance with the Fair Credit Reporting Act Account XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my XXXX report, I have requested in writing twice now for XXXX to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.
Product: Debt collection

I was contacted by a man from Oracle Financial Group LLC that said he was an attorney. He stated that I owed $ XXXX with XXXX XXXX. I knew about the debt. I had stated to him that I had fell on hard times at the time and was struggling to stay above water. He kept threatening me with a law suit being filed in my local county court and that I was looking at wage garnishment and or possibly jail for Fraud. He threatened and bullied me into agreeing to give him my debit card information that now has my account way overdraft. He was short with me one rude on the phone. I am a truck driver that works many many hours away from home. I kept getting the harassing calls all hours of the day while trying to rest so I could continue driving to support my family.i had even requested for everything in writing and mailed to me. Nothing was mailed at all
Product: Credit reporting or other personal consumer reports

My information was involved in a data breach which exposed very vital information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have violated my rights.

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 an account without my written instructions.
Product: Checking or savings account

Citibank is not honoring the terms of their promotion to open a new checking and savings account. I had to open at a new Checking and Savings account and deposit $ XXXX as well as make 1 direct deposit each month for 2 consecutive months. The promotion stated that I needed to maintain $ XXXX between the two accounts for 60 days.

I deposited and maintained well over $ XXXX in my account for 60 days as well as made 8 direct deposits in that 60 day window. Not only did I call multiple times and was assured that I had met my requirements to get the {$400.00} promotion, BUT Citibank themselves even sent me an email 60 days after opening the account, stating that I had satisfied my transactions and would get the {$400.00} in 30 days. 

30 days pass and I call them back. They again tell me I have met the requirements and that they will need an additional 30 days to add funds to my account. I called back after those 30 days ( This is about 120 days since opening the account now ) and they told me they will not be paying my promotion because of some technicality where they have to close my savings account for not having funds NINETY DAYS OUT. I spoke to multiple reps at Citibank that told me I did not need to distribute the $ XXXX between checkings and savings accounts ( aside from assuring me that I'm in line to get my promotion ), it is also not stated anywhere that it is mandatory ( they even mention depositing the promotional amount to your open of the two accounts if one is no longer active. AND MOST OF ALL, the promotional requirements ended 60 days after I open the account, I should have already been paid the {$400.00} after ninety days. 

I called them a few days later and notified them that I can send them the email I received to show that they THEMSELVES told me I has earned the bonus. They told me " no need, just tell us the date we sent the email and we'll look it up on our end '', and so I did, to which they confirmed and told me the funds would be in my account within 48 hours or 2 business days. 

I opened the account in XX/XX/XXXX and it is now late XX/XX/XXXX and they are dragging me around with no end in site for a promotion I've already earned. I'm frustrated and irritated to say the lease. Please help.
Product: Debt collection

Dear SYNCB/NTWK ; There are different balances reporting across all the major credit bureaus. Some are reporting {$0.00} balance, and the others reporting {$1100.00} and {$4700.00}. Obviously this is invalid, inaccurate and in violations of my rights. plus i think this account is fraudulent and i have no knowledge of such account. I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations. 
* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting or other personal consumer reports

I'm victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX Date of inquiry XX/XX/2020
Product: Credit reporting

I initiated a dispute with advanced knowledge ( from the collector ) that the balance was incorrect on my credit report. It says the balance is {$14000.00} when in fact the balance is {$2700.00}. That represents a difference of {$11000.00}! Transunion reported that the collector verified I owed the incorrect amount and no change was made. I visited the collector in person, again, to be told they either do n't report until it 's all paid ( a statement I can prove false ), that they are n't the ones reporting at all ( also a false statement ), and they said they gave Transunion the updated amount on XXXX/XXXX/16 and XXXX/XXXX/16. 

I can not tell who is the dishonest party is here as a dispute I initiated with XXXX also resulted in it being verified with no change. When the collector admits the balance is wrong but that they may or may not report at all, or wo n't report at all until it 's paid even after receiving a dispute from CRA 's, or that they did update it, I 'm stuck having a massive amount of non-existent debt on my reports. Please note, I have sent follow up written demands for re-investigations to Transunion and XXXX along with documentation from the collector proving the balance is {$2700.00}.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I was in the process of buying a house when I pulled my credit report and was shocked to see a fraudulent XXXX XXXX account listed. I never opened this account, never authorized it, and never gave consent for it to be reported. The moment I discovered it, I immediately filed a police report and realized I was a victim of identity theft. On XX/XX/2024, I disputed this fraudulent account with all three credit bureaus. XXXX and XXXX did their jobthey reviewed my evidence and removed the account. But Equifax? For some inexplicable reason, despite receiving the exact same evidence, they are still reporting this false, damaging information on my credit file. Why? This is completely unacceptable. Equifax is legally required under the Fair Credit Reporting Act ( FCRA ) to ensure that the information they report is accurate. Yet, they have failed to do so. This refusal to correct an obvious error is not just frustratingit feels like a clear violation of my rights under 15 USC 1681e ( b ) and 1681n, which hold credit bureaus accountable for negligent or willful noncompliance. This blatant negligence has caused me unnecessary stress, delayed my plans, and seriously harmed my credit profile through no fault of my own. I am demanding that Equifax immediately delete this fraudulent account from my credit reportno more delays, no more excuses. If Equifax continues to ignore my rights and refuses to correct this issue, I will have no choice but to escalate this matter and take further action to hold them fully accountable.
Product: Debt collection

XX/XX/2013 original date of debt amount {$27.00} This debt first originated XX/XX/2013, the original collection ( XXXX XXXX XXXX XXXX XXXX ) the company change collection company ( Phoenix Financial ) to make it seem this is a new debt, which isn't the case, after seven years this debt  should be removed from my Credit Report immediately!
Product: Mortgage

I lost my job in XXXX and contacted usbank to ask about assistance. they emailed me a dead link to follow : https : //mortgagehelp.usbank.com They emailed me this link every time I reached out from XXXX to XXXX. I was not able to make the payment this month. I don't know what's happening next. I uploaded everything requested online via my account, and the documents are repeatedly rejected. And then they send me an email with the dead link to get assistance. They also send a robocall with the dead link as well. It's been a nightmare and I might lose my house if it continues.