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

Subject : Experians failure to investigate Disputes in violation of the FCRA Description of the issue : I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) Specifically, they have violated : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian. But they have either failed to conduct proper investigations or reinvestigations. Or outright ignored the evidence I provided.

To make matters worse, I have learned about the recent CFPB lawsuit against Experian ( CFPB Sues Experian For Sham Investigations of Credit Report Errors ), Which shows that Experian has a documented history of neglecting consumers right by failing to remove or properly investigate errors on credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. 

Specific details : XXXX I sent a letter disputing information on me credit report demanding verifiable proof of the errors in my credit report Experian responded with these accounts were verified with no proof at all or how they verified the information.

I have sent 10+ letters to Experian and every time it is verified with NO proof at all or how these items were verified. One time I didnt even get a response from Experian. I will include one of the letters that I sent. I have more letters and responses from Experian if needed.

I am including a letter that was sent to Experian in the past these accounts are still on my credit report and were never investigated properly
Product: Debt collection

XXXX recovery {$1800.00} Was close and pay off As of XX/XX/2018 They remove from my credit report then now back in XX/XX/2018 they add it back into my report from all three reporting companies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX Account # XXXX has violated my rights. 
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 a account without my written instructions.

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

Failed to provide proof that account is mine by providing me original contact signed and showing past due amounts on closed accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the past 6-7 months, I have discovered fraudulent accounts and credit cards opened in my name, several other inquiries into my credit not made by me, and a debt collection balance not belonging to me. 

In XXXX 2023, I became aware of potential identity theft and fraud. I have reported most of these attempts as fraud to the specific companies, and I have seemingly shut down all accounts opened in my name. 

1. I noticed someone trying to sing in to my bank account several times. I reported this to my bank and have since changed the username and password.

2. I received mail regarding a Costco Citi credit card in my name with over {$1300.00} spent. I reported this as fraud and the account was closed.

3. I received a call from a XXXX  ( XXXX  ) regarding an overdue payment. I reported this as fraud and the account was closed 4. I received mail regarding a failed attempt to open a credit card at Home Depot in my name. 
5. I received mail regarding a failed attempt to open a credit card at XXXX  in my name Following these events, I filed at FTC Fraud report, specifically naming the Costco credit card ( {$1300.00} balance ) and the XXXX  account created ( unknown balance ). I also generated a Credit Report using XXXX. On my Credit Report, I discovered 2 phone numbers associated with my account that were not mine, I found what seem to several other attempts to create accounts or credit cards, and I found a balance with a debt collector. None of these inquiries or balances belong to me. 

1. The following phone numbers were associated with my account despite neither belonging to me. I disputed both numbers and had XXXX remove them. 
( XXXX ) XXXX ( XXXX ) XXXX XXXX. I still see inquiries made by XXXX  ( XXXX time ), XXXX XXXX ( 3 times ), XXXX  ( XXXX time that is fraudulent ), XXXX  ( XXXX time ), XXXX ( XXXX time ), and Syncblowes PLCC ( XXXX time ). I am not able to dispute these inquiries. 
XXXX. I also found a balance of {$10000.00} with XXXX XXXX XXXX, debt initially owed to XXXX XXXX XXXX. I disputed this line item, and XXXX removed it. 

I have attached the FTC report and the two credit reports ( one with the false phone numbers and {$10000.00} debt balance, and one report after they were removed ).
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XXXX filling a complaint against Cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( XXXX ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E.these actions have caused significant inconvenience and financial loss and i seek Appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

This loan was originally obtained when I was married. During my divorce was an account that " fell through the cracks '' and wasn't paid. This account was later disputed through a company i hired after my divorce to help fix my credit. The debt had been removed and then re-reported under a collection agency which purchased the account. While trying to refinance my home, it came to my attention ( only until then ) that a lien had been placed on my home by Aqua Finance. I never received notification of such action and per Aqua Finance a notification had been mailed through regular mail. Mail where I live doesn't always get to me and I manage that by keeping track of bills and other items electronically through email notifications.

When I spoke with Aqua Finance at this time they claimed they didnt have to send anything certified or verify that i received a notification for the lien which i feel is very deceiving. A few days passed and they re-reported the debt from a XXXX balance collection account to a full balance ( {$3900.00} ) placed for collection account. 

I feel this is a violation of the Dodd Frank Act as it is an unfair practice of Aqua finance placing a lien on my home without properly advising me, and then taking it further re-reporting a debt to my credit days after I called them. In them re-reporting the debt with a balance as an open collection, it caused my credit to go down 86 points, which seemed to be done on purpose to aide them in collecting the debt by affecting my credit when I was trying to refinance XXXX which they knew was how I found out of the lien on a XXXX balance collection account days before )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of These fraudulent accounts include personal credit card with XXXX XXXX XXXX on XXXX, apartment with Park at XXXX that lead to collection with XXXX XXXX XXXX on XXXX with a balance of {$2200.00}, with XXXX XXXX that led to XXXX XXXX XXXX XXXX ) and XXXX XXXX on XXXX with a balance of {$390.00}, a personal credit card with XXXX Bank XXXX with a balance of {$970.00}, a personal loan with XXXX XXXX on XXXX for a balance of {$1500.00}, a subscription of XXXX XXXX that led to collection with I XXXX XXXX XXXX XXXX with a balance of {$370.00}, an auto loan with XXXX consumer that led to collection with XXXX XXXX XXXX with a balance of {$8000.00} and XXXX XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for XXXX, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct XXXX  as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX.
Product: Debt collection

I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the u.s. mail, a couple weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the U.S. mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.
Product: Credit card

I received a " thank you for your order '' e-mail from Swiss Colony company, although I never submitted an order. The customer service person said that the order was on it 's way and there was nothing they could do. They said I could n't return the package, assuming it arrives at my address, since it is perishable food. They said I could not get a refund to my pre-approved credit account. They said that they were not authorized to close my credit line with XXXX, so this person can and probably will order again, using my name and account number and line of Swiss Colony credit, which is over {$2000.00}, although their first 'bogus ' order is {$130.00}, and XXXX. said I am responsible for the bill. I ca n't believe this! It is an outrage. I am the victim here, but cust. service told me I must get a paid, notarized letter explaining/proving that I did not actually place this order. The phone number on this order is not mine, however, they would not give me the phone number of the person so I can figure out who placed this order, citing " privacy '' concerns, of all things. Can you help? XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed with Transunion informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. The charge off accounts on my report are as follows : Account : XX/XX/2017 XXXX XXXX XXXX Account Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681i, I sent a Formal Dispute and Notice of Violation Under 15 U.S. Code 1681i ( FCRA ) and Requested for Debt Validation and 1099-C Form I'm disputing the validity of the debt reported by JPMCB CARD SERVICES and to notify you of violations under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ). Additionally, I requested proper documentation of the debt, including proof of the original purchase agreement and a copy of the 1099-C form, that they have failed to provide me. 
Violations and Dispute Details : Failure to Validate Debt : Despite my prior requests, JPMCB CARD SERVICES has failed to provide sufficient documentation validating the legitimacy of this debt Account # XXXX {$1500.00} including proof of a purchase agreement .This constitutes a violation of your obligations under the FCRA. 
Non-Compliance with FCRA : They are required to conduct a reasonable investigation into any dispute I file regarding the accuracy of the debt reported to credit bureaus. Your failure to provide accurate documentation or to ensure the legitimacy of the reported debt is a direct violation of federal law. 
Failure to Provide IRS Form 1099-C : If this debt has been canceled, forgiven, or written off, you are required to issue IRS Form 1099-C. They have not. Failure to provide this form constitutes non-compliance with federal tax law and undermines the accuracy of credit reporting.
Product: Student loan

Im constantly being thrown in forbearance not given the opportunity to do deferment my loans are too high im umemployed and i not given the correct Information. The customer service is horrible cant get no help.
Product: Credit card or prepaid card

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.
Product: Debt collection

2 family members received voicemails stating they were looking for me with as they had legal documents that needed to be signed. I received a call from caller Id showing phone # in XXXX XXXX court they told me a sheriff had gone to my house and no one opened the door. That I had to pick up legal documents. I asked what was this law suit about they gave me the person who was suing me ( XXXX ) XXXX to call them and they would tell me the case number. I called and they told me I owed $ XXXX for a credit card opened in XXXX. I advised I filed bankruptcy in XXXX. They said I still owed because I got married and my debt goes to my husband. Then I receive a call from Another number called back as no voicemail was left. Appeared to be the sherrifs department and they said they never called apparently this company used their phone # in the caller Id. Called back the same number again who was suing me and told them I need documentation and that I was going to report them. They stayed they had already served me and would see me in court. I have no forms mailed to me stating I have being sued for credit card opened 15 years ago. Also they are now harassing my family members. They asked me to pay half as a settlement and would give me 3 hours to pay.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

1

5 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: Payday loan, title loan, or personal loan

I had a solar panel system installed, the finance company. whose name is goodleap, has been withdrawing funds from my account, to make payments on the solar system, which has not been completed, and is not a working system, several attempts to have them correct the problem of withdrawing funds from my account for a none working, uncompleted hook up system. has not been rectified by goodleap to return those fund or correct the installation problem to a working system have all failed, what do i do about this.can you help?
Product: Credit reporting or other personal consumer reports

TransUnion Inc, XXXX XXXX XXXX, XXXX PA XXXX Dear TransUnion I am writing to request the removal of 1 fraudulent inquiry that I did not authorize caused by Identity Theft. And some account that is not authorized by me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX