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

I am writing to file a formal complaint against Experian for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Despite my filing a dispute and providing clear instructions to update the information on my credit report to include only one name and one mailable address to prevent fraud, Experian has failed to do so, in direct violation of FCRA regulations. 

Under 15 U.S. Code 1681i ( a ), consumers have the right to dispute inaccurate information on their credit reports and request that the information be corrected or deleted. I exercised this right by filing a dispute with Experian regarding the unauthorized aliases and non-mailable addresses on my credit report. However, Experian has failed to update the required information properly as requested, thereby violating FCRA regulations. 
The Privacy Act of 1974, specifically 5 U.S. Code 552a ( e ) ( 2 ), establishes safeguards for individuals ' personal information held by federal agencies. It mandates that agencies must obtain consent before disclosing personal information, except in certain specified circumstances. Experian, as a consumer reporting agency, holds sensitive personal information about individuals, including credit history and identifying details. 
By disseminating inaccurate information about me without my consent, Experian has violated 5 U.S. Code 552a ( e ) ( 2 ) of the Privacy Act, which requires obtaining consent before disclosing personal information. Their failure to update my credit report as instructed has resulted in the unauthorized disclosure of inaccurate and potentially harmful information, infringing upon my privacy rights under the Privacy Act. 

Furthermore, Experian 's actions not only jeopardize my privacy but also have far-reaching consequences for my financial well-being and reputation. The inaccurate information on my credit report can affect my ability to obtain credit, housing, employment, and other essential services, causing significant harm and distress. 
I have attached documentation supporting my dispute with Experian and the instructions provided to update the information on my credit report. Despite my efforts, Experian has failed to comply with FCRA and Privacy Act regulations, and I continue to suffer the consequences of their negligent reporting. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Experian for their violations of the FCRA and Privacy Act. I also request that Experian be compelled to promptly update the information on my credit report as requested and provide me with a corrected copy of the report. 

Thank you for your attention to this matter. I look forward to a prompt resolution of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy : Discharged CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy : Discharged CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GEORGIA XXXX NOTICE OF VIOLATIONS AND LETTER OF DEMAND NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from a consumers report. The term credit card has the same meaning as in section 1602 ( l ) of this title ( 15 U.S.C ), which is The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress stated ANY card. The credit card is my social security card. This is the credit card that I used to originate EVERY consumer credit transaction thats been reported in my consumer file and my consumer report. 

This Letter shall also, serve as an opportunity to cure the multiple defaults of EQUIFAX regarding my attempts to have my consumer report and file corrected. 

Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), which states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, SHALL be EXCLUDED from a consumers report ; I DEMAND THE FOLLOWING INQUIRIES BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), 15 U.S.C 1681c-2, I DEMAND THE FOLLOWING ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT AS THEY ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681a2 I didnt give written permission to have these accounts furnished on my TRANSUNION & XXXX CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

During early covid period, XXXX ( XXXX XXXX offered a payment holiday which I took for 3 months. However when I checked my credit report last month. Report shows my payments are late and impacted my credit adversely. I want to finance purchase a car to go work but I can't due this issue with my credit. I have reported this issue to XXXX and they acknowledged the mistake and promised to fix and offered a XXXX pounds credit and remove over XXXX pound worn interest and late charges. 

None of these promises are kept and my credit file still states the late payment nor did I receive any compensation and I can't even drive to work which has impacted my day to day life. 

I have also called them few times after this issue was not resolved but they keep on bouncing me back from one department to another which acknowledging their mistake at the same time.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

A debt from the XXXX XXXX XXXX, whom i've never done business was reported by all 3 credit reporting agencies. I contacted XXXX XXXX and XXXX and got this corrected without issue. I contacted Experian who said they verified the debt with XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX who said the item will be removed and to allow up 60 days. It's been more than 60 days and no action has been taken by Experian. I'm asking for government oversight to correct the situation. 

I would also like to know how i can stop Experian ( only ) from accessing my credit information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Against Apple Card - GS Bank for Violation of Consumer Credit Laws To Whom It May Concern, I am writing to file a formal complaint against Apple Card, issued by Goldman Sachs Bank ( GS Bank ), for violations of several consumer credit protection laws, specifically regulations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My complaint pertains to the following provisions : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Concerning the requirement to cease communication under certain conditions.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Regarding the prohibition of deceptive or misleading representation in connection with debt collection.

3. 12 CFR 1006.34 ( d ) - Pertaining to the use of unfair or unconscionable means to collect or attempt to collect any debt.

4. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) - Relating to the direct dispute of inaccuracies with furnishers of information to consumer reporting agencies.

I believe that the conduct of Apple Card - GS Bank has violated my rights as a consumer in the following ways : [ Describe the specific nature of your complaint here. Include dates, details of any communication with the bank, how you believe they violated the laws above, and any consequences you have faced as a result of these actions. ] Despite my efforts to [ resolve the issue directly with Apple Card - GS Bank/ dispute inaccuracies / request cessation of communication ], the bank has [ failed to comply with my requests/ continued to engage in practices that I believe are in violation of the above regulations ]. This has resulted in [ describe any damages, such as harm to your credit score, undue stress, financial loss, etc. ].

I have attached supporting documents which include [ any correspondence with the bank, records of communication, credit reports, etc. ] that substantiate my claim
Product: Student loan

In XX/XX/XXXX I filled out a loan agreement and added three stipulations to the agreement. I asked the student pay interest while attending school. I asked to be notified if the loan does not get paid and I asked the loan be denied if the terms were not agreed to by all parties. XXXX XXXX XXXX manipulated the documentation and removed all three stipulations. They then pushed the loan through and sold it off to NCT. My signature is not on the promissory note and I did not agree to the loan. In XX/XX/XXXX XXXX was the depositor on the note and they filed chapter XXXX. A large number of loans were dissolved as a result of that action. I am currently asking American Education Services for Proof my signature is on the documentation they have, for evidence the National Collegiate Trust has authority of the loan in the form of the loan location or batch number example:XXXX or XXXX, and validation the loan was not dissolved as a result of XXXX going out of business. I have been talking with AES over the past 11 years about this matter. I did provide a completed Fraud packet but they sent it back to delay the results of the investigation. They now request a new fraud packet for the purposes of obtaining my current contact information. I have one negative mark on my credit and that is AES. I pay all valid bills on time and pay off all debt I sign for but I will not pay extortion to a scam operation that will not take the time to validate the evidence they hold. I will not continue to allow them to effect my credit when I made them aware of the fraud 11 years ago. I have spent wel over 2000 hours on the phone and sent 100s of letters and emails trying to get this matter resolved. I have contacted two state governors and three IGs. I have written the current president asking for help. I have gone on social media to let others know of my circumstances and I am waiting for results. This is my seventh complaint about this company with the CFPB. Can you please look into this matter.
Product: Vehicle loan or lease

To Whom It May Concern : I am writing as the natural woman in regard to the above referenced accounts and transactions. This vehicle was repossessed by CARMAX AUTO FINANCE in the State of Indiana on or about XXXX XXXX, and resold on or about by CARMAX. 
Under the laws of the State of Indiana and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

Serious harm was caused to my family whether physical, or non physical, including psychological, economic, or reputational harm. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severely fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 


Best Regards, Webster : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Payday loan, title loan, personal loan, or advance loan

I have no payment due until XX/XX/XXXX. One Main has attempted to debit my account THREE TIMES since XXXX/24 for {$280.00}. I have reported this NUMEROUS TIMES ALREADY!! All of my checks have bounced for the last 2 weeks, because every time their hold drops off, they try to debit my account again. This is THEFT BY DECEPTION. You can delete these all you want. 
You tried THREE TIMES so this is THREE separate complaints.
Product: Mortgage

I have a loan with THE MONEY SOURCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and THE MONEY SOURCE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX times to take off XXXX addresses and XXXX comany email that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are TransUnion, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Product: Debt collection

I 've sent Afni a letter asking for validation of the debt I allegedly owe them. I 've never done business with Afni and do not know who they are.
Product: Consumer Loan

When making payments they are adding interest back on balance which is n't bringing the balance down. When I confronted them they it was their normal accounting procedures. I do n't see how a loan can get paid down if interest is added back to balance each payment.
Product: Checking or savings account

This bank allowed these fraudlant transactions on my account and they refuse to even credit me money for recompense. 

XX/XX/2021 XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX dollars and XXXX cents {$0.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$250.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$500.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX XXXX dollars and XXXX cents {$750.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX XXXX XXXX  NY Amount : negative XXXX XXXX XXXX dollars {$250.00} Running Balance : XXXX XXXX dollars and XXXX cents {$1000.00} XX/XX/2021 TERMINAL XXXX XXXX XXXX XXXX  XXXX XXXX  NY Amount : negative XXXX XXXX XXXX XXXX dollars {$220.00} Running Balance : XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents {$1200.00} the above transactions to take place on my account. This is so obviously fraudulent activity and it totally depleted my account, and you tell me it will take 10 days to investigate and get back to me. This is so obvious lack of concern and lack of caring,. Its a textbook case of XXXX. I know lots of XXXX customers. Youll be losing mine and their business very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report.

FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX  to verify this information and correct my credit report accordingly. 

It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. Failure to respond appropriately will result in a formal complaint with the Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Debt collection

On XX/XX/2021 I received an alert that I had a collection on my XXXX credit report ( XXXX point drop ). This was a surprise to me, I don't owe anything outstanding, nor have I received any correspondence from anyone stating that I do. The collection was from Credence Resource Management, stating that I allegedly owe {$690.00} to XXXX XXXX. I'm not a XXXX  nor am I strapped for cash. I am also very Credit conscious, as noted by my score and payment history. The biggest surprise was that this was placed on my credit report, never receiving any communication from XXXX or Credence. According to the FDCPA, as well as the FCRA, my consumer rights protect me from unfair and illegal collection and reporting practices. Now my rights have been stripped. An account like this appeared on my report last year, I called XXXX, they had no record of a balance and the account was disputed and removed for being non-valid. To make matters worse, I have not had an account with XXXX for almost five years, now this company has filed this alleged collection as new resulting in a larger drop in my credit score. This is a bullying tactic and unfair trade practices not done in good faith. I want my credit restored, and my rights back to resolve this matter within the scope of the law.
Product: Checking or savings account

As today XXXX I found my bank account balance became 0, and all my money is on hold and can't be accessed, I thought our account is stolen because my husband't online account is not available to access and can't withdraw money yesterday. So I called customer service they said Bank of America discontinued business with us, but I don't why. Our account is being using daily and monthly, all the mortgage, auto loan and so on were done by BOA, but now they frozen my money we can't deal with our daily expense, how am I suppose to pay food for my son at this moment? And we did not disobey the policies or overdraft, no reason that this happened to us.