23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've been disputing this fraud activities on my credit file with Experian since XX/XX/XXXX and have presented the fraud evidence, police report ( s ), and Federal Trade Commission Identity Theft affidavit repetitively and Experian continues to ignore the FCRA and report this fraud activity on my credit file. Their response is usually an automatic response which is not related to my dispute. 

Fraud Account : XXXX XXXX Account XXXX & XXXX Past Disputes : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts are fraud and Experian is reporting these fraud accounts which is causing harm to me and my credit. Fraud activities can not be reported on my credit file, and every time I dispute this Experian ignore the evidence and response back with non-related responses. On XX/XX/XXXX, I disputed this matter once again to Experience and their response was that " the credit grantor may not know how to contact you '' That statement is not true and also not related to Experian reporting fraud activities on my credit file. 

I 've disputed this so many times, and not being able to resolve this matter. If these accounts does n't get removed from my credit file, I will seek legal guidance to correct the harm caused to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the XXXX. If they can not provide this, per FCRA they must remove this from my credit file. 

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

aIn 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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Although transunion, XXXX and XXXX  have their own/individual reports, each of companies are reporting similar information that is/has impacted my credit report/scores. For example, my wife and I have purchased four properties in the State of Florida and each of the properties has been paid off for at least 16 years, yet the credit reports are saying in part " we have little or no mortgage payment history. ' Therefore, our credit history and reports are damaged with inaccurate information and lenders are would be lenders are viewing us as a risk because we don't have a mortgage or pay rent. How can the data reporting be tailored to those consumers that does not have a mortgage or pay rent, and the consumers be giving an increase in their scores for paying off their debts earlier rather than later? Also, why are consumers being impacted for 2 or less " hard inquires '' in a two-year period? Also, why are consumer being impacted by not have $ XXXX or more in revolving accounts? What improvements can you all provide consumers who pays off their credit cards each month, because lenders are assuming that minimum payments are being made on those accounts?
Product: Debt collection

Wells Fargo has called me at XXXX XXXX on XX/XX/18, XXXX XXXX  on XX/XX/18 and this morning at XXXX XXXX. They have my address in XXXX California correct, and I have repeatedly told them that I am on the West Coast ( as per the address on record ) and yet the calls are still outside permitted contact times. This is 3 times over the past month, and are not the only times they have called outside proper business hours. 
Each time I advise them I am in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got in the wrong hands ....
Product: Debt collection

they should not be collecting on this account because i filed bankruptcy and it was discharged and they have all the information already i dont know why they contacting me still
Product: Credit card or prepaid card

I bought a cellphone in XX/XX/2017 the cellphone never turn on I return it to The store then I called the Bank of America CREDIT CARD and put a complaint for defective merchandise case number XXXX the prize XXXX the bank never did nothing they paid to the store yesterday the store gave me a new cellphone but is the same think it does not turn on I do not want to pay Bank of America for defective merchandise the store is XXXX XXXX & XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

i made numerous attempts to dispute information on credit file and i havent gotten any remedy. Experian has been using my data and furnishing my information without my consent. I didnt give consent to the consumer reporting agencies or the creditor who is reporting the data to experian this is third complaint that i filed regarding this matter and im really frustrated. i think im a victim of identity theft because i dont recognize accounts on my credit file that i dont believe i contracted with
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

BlockFi is not letting my withdraw my XXXX. Their disclosures claim my XXXX is held XXXX at XXXX but it seems this may not be the case?? My $ XXXX is stuck and they won't let me withdraw
Product: Credit reporting or other personal consumer reports

XXXX writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Barclays account is no longer past due or in a charge-off status. This account has been paid in full. Barclays has failed to report my on time payments to XXXX that were made made on this account from XX/XX/2022 XX/XX/2022 as proven by the attached evidence of my payments on the account. Also, see the previous dispute letters that I have sent to Barclays in an attempt to resolve the matter. 

Barclays responded with a letter dated XX/XX/2022 and AGREED TO REMOVE this inaccurate and incomplete payment account history from my XXXX credit report. See attached letter dated XX/XX/2022 from Barclays. 

As of XX/XX/2022, Barclays has not removed or updated this discrepant payment history from my XXXX report.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and noticed a collections account being pursued by LVNV FUNDING LLC ( C/O Resurgent Capital Services ). I disputed this clam and received no response to my dispute but it is still showing as a collection on my credit reports Also, In regards to this claim, I have received no competent evidence that proves I owe any debt to LVNV FUNDING LLC ( C/O Resurgent Capital Services ). I will pay in full if there has been any signed original contract/agreement between myself and LVNV FUNDING LLC ( C/O Resurgent Capital Services ) that provided me consideration for their claim to be enforceable. Also, under Florida State law this constitutes fraud, which is a felony. My rights to privacy have been been breached ( pursuant to 15 USC 1692 ), causing me harm, abuse and mental anguish. I gave LVNV FUNDING LLC ( C/O Resurgent Capital Services ) no authorization to furnish anything on my credit profile. They are conducting identity theft which is also a felony of the third degree under Florida Law. LVNV FUNDING LLC ( C/O Resurgent Capital Services ) needs to provide me with their bond, proof of insurance and what authority they have to legally collect. I will also be charging LVNV FUNDING LLC ( C/O Resurgent Capital Services ) {$10000.00} ( XXXX XXXX Dollars ) for my time, inconvenience, the breach of my privacy and attempting to steal my identity. I demand my information/account be deleted from their files/records and removed from my credit reports immediately. I will not hesitate to exercise my rights if my demands are not met immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion/XXXX XXXXXXXX will not allow me the option to file disputes on-line on their web-site. I have tried in the past and currently trying to file disputes and they are requesting that I do so via USPS. I have no problems filing with XXXX or XXXX. This seems unfair and is causing me stress in that I am having to provide all sorts of documentation. They should not discriminate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a dispute with Experian in XX/XX/XXXX stating that the account name- '' XXXX '' with account XXXX was reporting incorrectly that I paid late in XXXX of XXXX. This is false and I was never late. Experian stated that the account came back verified without providing me with any evidence or their method of verification that indicates that I was late. According to The Fair Credit Reporting Act 611 ( a ) ( 7 ) a consumer reporting agency must provide evidence to support that they performed a thorough investigation to confirm the accuracy of the account which they failed to provide me with such verification/proof. 

RE : Method of Verification Dear Experian, Pursuant to 1692g, Im requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors addre
ss and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute for Account # XXXX Dear Experian, I am writing to formally dispute the accuracy of an account listed on my credit report due to fraud. The account in question, listed under XXXX XXXX XXXX with the account number XXXX, was opened without my authorization. I have no knowledge of this account, nor have I ever conducted any transactions with this company. 

The details of the account as listed on my credit report are as follows : Account Type : Auto Loan Date Opened : XX/XX/XXXX Balance : {$15000.00} Payment Status : Late 180 Days To support my dispute, I have attached the following documents : 1. A copy of my government-issued photo ID. 
2. A copy of a utility bill for address verification. 
3. A signed fraud affidavit ( if applicable ). 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. I also request that any findings be forwarded to me in writing. 

If you need further information from me to proceed with this investigation, please contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

PNC is disallowing transfers via websites such as XXXX, XXXX, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, never gave ( Experian nor XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. The reporting of such inforation has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household puroses. You and your reporting have damaged my livelihood. I have been stressed out and depressed beyond measure to the point where it is hard to cope. A copy of the law is attached in this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts. I have been in dispute with Experian for over 30 days and they continue to report inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : Bankruptcy XXXX XXXX XXXX XXXXankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX XXXX XXXX XXXX XXXX account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX  XXXX. This is a violation of the FCRA. 
The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection account contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX DOB : XXXX SSN : XXXX XX/XX/2024 XXXX XXXX XXXX Consumer Number : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX , IA XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your XX/XX/2024 letter. I want to clarify that I am not disputing any information on my XXXX consumer report. My request is straightforward : I am asking that my UCC-1 financial transactions be added to my credit profile, in the same manner as any public record trade line reported by a credit bureau or data furnisher. 

I do not understand the basis for your indication of possible fraudulent activity, as there is nothing fraudulent in the information I have provided. Please explain what specifically raised this concern and why it affects the simple addition of my UCC-1 filings as public records to my report. 

To reiterate, I am asking for my UCC-1 filings, which are public records, to be treated as credit transactions and displayed on my profile, as would be done for any other trade line. This is not a dispute, but a request for the inclusion of accurate, relevant information. 

Please confirm receipt of this letter and inform me of any additional steps required to fulfill my request. I appreciate your attention to this matter. 

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

I contacted the credit bureau 's as well as filing a complaint with the CFPB and called US Bank because they have put inaccurate information on my credit report regarding a charge off credit card with account number beginning XXXX. My credit reports were pulled on XX/XX/XXXX showing a Charge Off from XX/XX/XXXX and 6 late payments of 90+ days. I sent in the disputes that the date of last activity was inaccurate, stating that it is prior to XX/XX/XXXX. After submitting the dispute, the credit report was pulled again on XX/XX/XXXX now showing a Charge Off from XX/XX/XXXX and 43 late payment of 90+ days. These new late payments have been inaccurately added to my report. I contacted US Bank about this issue ; I was told that they report monthly and could not help me. However, it appears that the credit card decided to add 37 late payments as retaliation for my request to have accurate information on my report.
Product: Debt collection

My name is XXXX XXXX. My fiance ' shares the same last name ( XXXX ) with my neighbor. " Credit Control LLC '' ( formerly known as " XXXX XXXX XXXX XXXX '' ) has been repeatedly calling our household asking for this neighbor. 
Yesterday ( XX/XX/XXXX ), they called again, and for the first time, I answered the phone to clear up the misunderstanding. The representative thanked me, and then hung up. 
Today, ( XX/XX/XXXX ), one day later, they called again. I answered, but this time asked for their mailing address. They promptly hung up the phone. 
Can you please tell me what my options are at this point, to end these daily phone calls. Thank you in advance for your help Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I open a CD account for my XXXX XXXX XXXX child, she is now XXXX XXXX XXXX and wanted to cash the CD and closed the account. She contacted the branch of CHASE Bank that has her CD and was given the appointment of XX/XX/XXXX to meet the banker. At the appointment time while she was with the banker some customer walk in the branch, did his transaction at tiller and on his way out started talking to the banker who was assisting my daughter, banker stop assisting my daughter and started speaking to that customer for 10+ minutes while my daughter company by her mother sit there helplessly. After finishing talking to that customer banker got back to them and told them that she need to email different branch for the availability of her CD founds and in a day or two she will call them to come back. 5 days pass no call, so we started calling the personal or business phone number banker provided, no answer and the banker voice messaging was full unable to leave the message, so we started calling the branch main line number which also was not answered and instead has out going voice message ( which is still active until the last couple of days, even though i brought to the attention of the banker ) " Branch is temporarily Closed '' while branch is open, the only option customer are left with unnecessary trip to the branch to see the banker of if branch is open. On XX/XX/XXXX I called CHASE customer line and complain the issue, with in next few hours the same banker call and made verity of excused and said the branch manager is aware of the situation and we working on it, and we are not going to steal your money, its just the system that is not allowing me to close the account. Today is XX/XX/XXXX called numbers of times within past 2 weeks, no one is taking the call, and can't leave the message and the banker never follow up with us to explain what is the hold.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b. 

XXXX XXXX XXXX XXXX XX/XX/year>, Delete this hard inquiry because of VIOLATION of 15 U.S.C. 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX financial account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in XXXX XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against XXXX  and Experian. Hope this can help me move on so my family can prequalify for a new home. Thank you