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

Subject : Third Complaint to CFBP : Experians Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this third complaint regarding Experians repeated failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). Despite my multiple submissions of the required documentation as a victim of human trafficking, Experian continues to deny my request to block adverse information from my credit file.

Specifically, I have provided : A self-attestation letter signed by both myself and an authorized officer from an authorized agency.

A victim determination letter, also signed by myself and the authorized agency.

These documents have been submitted to Experian on three or four separate occasions. While both XXXX and XXXX accepted the same documentation and blocked the adverse information as required under Section 605C, Experian has refused to do so. This has caused significant inconsistencies across my credit reports and continues to harm my financial standing. 

Experian has repeatedly sent me identical, automated responses, despite my compliance with all legal requirements for exercising my rights under the FCRA. It appears there has been no meaningful human review of my case, yet the only denial reason they give is for me to submit a victim determination letter even though I have sent it to them on numerous occasions I respectfully request that the CFPB : 1. Investigate the methods and tools Experian is using to determine its denial of my request to block adverse information.

2. Require Experian to conduct a human review of my case, as their automated responses fail to address the merits of my documentation and circumstances.

3. Ensure Experian complies with its obligations under Section 605C of the FCRA, as both XXXX and XXXX have already done. 

As a victim of trafficking, I should not be subjected to this repeated and unjust denial of my rights, especially after providing all required documentation multiple times. I urge the CFPB to intervene and hold Experian accountable for its obligations under the law. 

Thank you for your prompt attention to this matter. 

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

I recently reviewed my credit file and noticed that there were multiple inquiries on my report that are unauthorized. I have made a list of the inquiries in which I need to be immediately removed from my credit file as I did not approve for these companies to access my credit file and inquire about my credit report. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Synchrony Bank is refusing access to my account after multiple identity verifications. XX/XX/XXXX, they first blocked my credit card when I attempted to purchase an airplane flight. I verified my credit card and they unlocked my account. That same day, Synchrony blocked my account again when I tried to pay for a veterinary ER visit. 

Since then, I have verified myself via social security number, phone number, and video of my face and images of my state issued ID. They refuse to verify with the email that is on the account and are now asking me to submit hard copies via mail of my ID as well as proof of residence. 

I believe Synchrony is employing unfair and predatory consumer practices.My account is being held hostage and they are not allowing me to access it. 

Firstly, I do not believe that Synchrony should have access to all of this information ( my ID and a bill to prove my residence ), this information in the wrong hands can be misused to steal my identity. I do not believe this is a practice done in good faith and I do not believe this is standard practice in the credit card industry. I was also told over the phone that the address given to me to send this information is not available anywhere online, yet another reason why I do not wish to comply. 

I have never experienced this kind of treatment before. I am a customer in good standing who has always paid her bills. I feel like I am being targeted.
Product: Credit reporting or other personal consumer reports

A company named XXXX  is apparently hired byXXXX may also be XXXX, XXXX. I received a credit report from XXXX, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to XXXX, and they said that what XXXXXXXX XXXX is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that XXXXXXXX XXXX is reporting against me. As for dates, the first report from XXXX XXXX XXXX, was on XXXX, then there was one today, when I applied through the XXXX app, for a XXXX loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm- XXXX XXXX XXXX XXXX  reporting to XXXX I have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the original debt collector XXXX XXXX  XXXX XXXX reporting as a collection/chargeoff account and I guess they sold the account to XXXX XXXX XXXX They are reporting to XXXX XXXX as an open account and reporting to Trans Union as a collections account. I dont understand how could they do this?
Product: Student loan

I filed a complaint with studentaid.gov - case number XXXX I am a joint consolidation loan holder and was promised by the DOE that I would be allowed to separate my loan so that I can qualify for IDR and PSLF. It has been two years of waiting, In the 2 years, I was finally in XXXX of XXXX able to fill out an application to separate my loan from my husband. Originally told it would be XXXX before they applications were separated and now being told XX/XX/XXXX. There has bee NO consistent communication and I don't feel that this process should be taking this long. 

Meanwhile, my loans are in an administrative forbearance gaining even more interest. I refuse to pay another cent until I can have what the DOE promised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am a XXXX XXXX XXXX of XXXX  years. As a XXXX, we are expected to get advanced degrees or we stop getting raises and in my case, early in my career I wouldn't have been able to be a certified XXXX  ( not the case now ). I work in a low paying district, but have never been able to qualify for any kind of forgiveness. In XXXX, my husband and I decided to consolidate our loans to have ONE payment. ONE interest rate. At the time he worked for a non-profit and I was a XXXX  and we were struggling. That was the only option for us at the time. When we consolidated the loans were placed in my husbands name, all of the loans, even mine. If we divorced, they would follow him and not me. My balance was higher than his. I originally borrowed ( before interest ) around XXXX. When I consoloidated with my husband in XXXX, I owed around XXXX, My husbands loan was around XXXX. We currently owe XXXX MORE than we borrowed. We have paid XXXX in interest and only XXXX toward the actual balance! We have paid anywhere from XXXX per month. 

The DOE has made this promise and has still not carried it out. It shouldn't take TWO years to complete a promise made and a law passed. The information given to us that we could separate and qualify for PSLF is has been misleading, has been broken and is a violation of federal law. 

I have made a student loan payment for most of my working career since XXXX ( I did take have forebearance off and on due to financial struggles ). Enough is enough! My loan would have been forgiven already under the PSLF. I did make 10 years of payments ( without missing any ), I have been a public school teacher for 28 years. 

DOE needs to honor their promise. They need to stop misleading us XXXX borrowers and come up with a plan and communicate and execute it! Their practices are unfair and this violates the consumer protection laws. Finally, their hesitation and delay in implementing the XXXX  separation is a violation of federal law. 

Please make this right. I've got kids in XXXX  and would love to be able to help them instead of continuing to pay on these criminal loans. 

XXXX XXXX
Product: Debt collection

Received several messages stating they were from XXXX group - stated it was regarding multiple violations regarding my SSN - when I called back ( XXXX and XXXX ), spoke with a XXXX XXXX who then stated she was from Sunset Solutions ( the number she gave me is not the number listed for Sunset Solution Group XXXX XXXX )- and since the debt they were claiming I had was over 5 years old, the " attorney '' ( XXXX XXXX XXXX can't find him anywhere ) would settle with me for XXXX When asked who the debt was with and could she email me a debt validation letter, as I was not aware of what she was referring to - she refused and became very upset that I was asking who the attorney was - and who the client was. She stated client was XXXX XXXX - When I asked for the information of the attorney, she said XXXX XXXX, but that I was not allowed to speak to him and he would see me in court - then hung up. 

I have reached out to Sunset Solutions to verify if this was even them - I did reach out to XXXX XXXX- they are not a client of Sunset Solution Group
Product: Debt collection

American Express customer services phones almost always after  XXXX . They most always never leave a message and when they have left one they ask me to phone them on a  XXXX  #. I live in a foreign country and can not phone   XXXX   XXXX   # numbers. They have my address, they know where I live and that I live in   XXXX   XXXX    as it is my address of record but yet they still phone me all hours of the night, disturbing my household and in violation of FDCPA.
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They have phoned 7 times since the  XXXX  of  XXXX . FIVE of these times were in violation of Federal laws as they phoned after  XXXX . Here are the the following dates and times :  XXXX    XXXX   2017 phoned at   XXXX   no message left  XXXX    XXXX   2017 phoned at   XXXX   XXXX   left a voice mail ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX   XXXX  2017 phoned at   XXXX   XXXX  . no message left ( violation )  XXXX    XXXX   2017 phoned at  XXXX . no message left ( violation )   XXXX    XXXX  2017 phoned at  XXXX  no message left I kindly request that American Express be penalized for fragrantly violating the FDCPA.
Product: Debt collection

In the year ~XXXX, I reported what I believe is an electric box ( which was already brittle and broken ) that is located in my property. I had three people trip on that box because of the carelessness of XXXX XXXX XXXX not taking the time to up keeping that box. So I took the initiative of reporting it to them so that they have it fixed. They hired a third party contractor to have it fixed. They sent me a bill to pay for it. Then XXXX started making phone calls in XXXX persistent that I am supposed to pay. I explained to them that I never asked to put that box on my property, thus shouldn't be required to pay for any of that. I pointed out that the lid of that box even says " XXXX ''. It doesn't say my name. Hence, reason enough for them to have to pay for it, not I. We had a very heated discussion over the phone. 
In about XXXX, XXXX, I reluctantly made a claim with my home insurance and was settled in about 3 weeks. In the latter of the year of XXXX to present, apparently XXXX had hired a debt collector : JNR. In spite of my claim being settled and me advising them that it has been so, they keep sending me correspondence.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence, where I formally reported fraudulent items on my credit report. Despite my initial dispute and subsequent communication, it appears that the fraudulent items persist, causing substantial harm to my financial standing. 

I urge that credit bureaus will conduct an immediate and comprehensive reinvestigation into the reported fraudulent items. 

I request that the credit bureaus would communicates the resolution of the dispute to you in writing. 

I am deeply concerned about the ongoing presence of these fraudulent items on my credit report, which is negatively impacting my ability to secure financial opportunities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to Experian, XXXX and XXXX  ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.
Product: Checking or savings account

A stranger fraudulently requested a new Direct Express card. I was alerted because they were trying to change the PIN and I received a notification. I immediately contacted Direct Express, and they took action to close and send me a new card. The account was comprised again through this process and the perpetrators charged and emptied my account from two different cities that I did not travel to. 

In processing this claim with Direct Express Fraud department, they have determined that no fraud has occurred and closed the case. 

Please see detailed documents attached in .pdf file. 



Direct Express is negligent. They gave my card to an imposter and now wont be accountable to offer simple consumer fraud protection offered by any standard debt/checking account.
Product: Money transfer, virtual currency, or money service

Robinhood is manipulating stock option price against true price proven by XXXX  screenshots taken at exact same time
Product: Student loan

On XXXX/XXXX/2016 Fedloanhelp.org had an Ad on XXXX to reduce student loan payments. I clicked on it and spoke to XXXX and XXXX. They both explained their company was a not-for-profit and they would assist in the paperwork needed to work with the Department of Education and my loan service provider, XXXX. They asked for my bank account number to setup the new reduced payment, XXXX XXXX and had me electronically sign an agreement all in one call. They stated I would get a package in the mail to confirm everything but that never happened. 

On XXXX/XXXX/2016 this company started debiting my checking account for {$100.00}. I sent documentation to XXXXXXXXXXXX asking why since XXXX had sent me an email stating XXXX was due for the 12 months. His response was this " Your payments are always made in advance because we never want you to be disqualified from the program for non-payments. That is why we set it up this way for all clients so they do not have to worry about any problems in the future. '' On XXXX/XXXX/2016 this company debited my checking account again for {$100.00}. 

On XXXX/XXXX/2016 I called XXXX and spoke to XXXX. I asked if those 2 payments reflected on their system. The representative advised Fedloanhelp.org was a fraud company and that I needed to file a complaint with the Consumer Affairs. 
On the same day I emailed XXXXXXXXXXXX the following : " The last 2 payments your company has taken out of my bank account do not reflect on XXXX 's website as being applied to my loan. What is going on? " As of XXXX/XXXX/2016 I have not received a reply from them.
Product: Checking or savings account

I recently received two letters ( attached ) dated XX/XX/2023 that TD Bank was closing my Checking & Savings account. This after being a TD Bank customer for approximately 8 years. 

I've tried multiple times to receive additional information behind the closure, none has been provided up until this point. Instead, its been insinuated that the interest rate on my TD mortgage may be impacted as I may have been receiving a discounted rate due to my other relationships with the bank. I've confirmed that I have a 30 year fixed mortgage rate and found no basis behind this insinuation. 

This is a highly stressful position to be in, especially if it could potentially impact my home/family. Please help.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Both accounts are passed the 7 year mark to be removed from my credit history. Accounts XXXX and XXXX The last payments made on these accounts were in XX/XX/XXXX. Today 's date is XX/XX/XXXX it been a full 7 years. please remove these accounts fully from my credit reports. As i have written proof from date of last payment for both of these zombie debts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion of Inaccurate Name ( s ) under FCRA Laws Dear Experian, I am writing to formally request the deletion of inaccurate name ( s ) from my credit report under my rights outlined by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are discrepancies in my personal information, particularly with my name, which I believe could negatively impact my credit profile. 

Specifically, I have observed the following inaccurate names associated with my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX As mandated by the FCRA, credit reporting agencies are required to report only accurate information. Therefore, I kindly request that you investigate these inaccuracies and delete any incorrect name ( s ) from my file. This will help ensure the integrity and accuracy of my personal information within my credit report.

Enclosed, you will find a copy of my government-issued ID to verify my identity. I appreciate your attention to this matter and request written confirmation once these inaccuracies have been corrected. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( XXXX and XXXX XXXX ) I am not sure how this happened. Each month I get an email stating that I have a statement. Unfortunately, Im not able to view it, see how much is owed or find out when the due date is unless I call them. Each time I speak to someone I tell them that Im unable to access my online account to schedule auto payments, view my charges, see online statements or make any kind of payment. They ask me to pay the bill ( sight unseen ) or at least the minimum via the telephone. I have requested, each time, to have paper statements mailed but they tell me that I can only do that online ( and, of course Im not able to access my online account ). Its a vicious cycle and one that I cant wrap my arms around. At the end of the day, Im paying late fees and getting my credit dinged but still cant see if I even agree with the charges on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXXXXXX PA XXXX To TransUnion Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. TransUnion is reporting XX/XX/XXXX for the date this account was opened. However, XXXX and XXXX is reporting that it was open on XX/XX/XXXX. These dates are inconsistent. 2. In the Account Status sections of this listing. Transunion is reporting that it is a closed account. However, XXXX and XXXX is reporting that this account is Open. How can this be inconsistent? Please Delete! 

I understand that any inaccuracy reporting on an account makes the entire account invalid and must be deleted. Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XXXX SSN # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS IS A XXXX XXXX, THIER PATNERS IN CRIME HAVE ABSOLUTELY NO EVIDENCE OF A DEBT OWED OR AN INJURED PARTY, I HAVE NEVER RECEIVED A REPORT ON ANYTHING THEYRE REPORTING ON, WHICH IS A MAJOR VIOLATION OF MY RIGHTS AND A VIOLATION OF FRCPA RULES, I AM IN NO WAY OBLIGATED TO GIVE XXXX MY BIRTHDAY OR SS NUMBER EITHER, CHEXSYSTEMS USES DEFORMATORY INFORMATION ON ME WITHOUT HAVING ABSOLUTELY NO PROOF OF A DEBT OR WRONG-DOING COMMITTED BY ME,, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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