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

Dear CFPB, I am filing a formal complaint against Experian regarding the inaccurate and improper reporting of a charged-off account on my credit report. The account in question is with XXXX XXXX ( Account Number : XXXX ), which has been reported as charged off with a past due balance of {$200.00}. I am requesting the immediate removal of this account from my credit report due to the following violations and reporting discrepancies : Failure to Provide Required Notice Under the Fair Credit Reporting Act ( FCRA ) I never received the required written notice from XXXX before or after XXXX reported the initial XXXX late payment in XX/XX/2022, as mandated under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the FCRA. A furnisher of information is required to provide notice to a consumer before reporting negative information to a credit reporting agency. Since I did not receive this notice, the negative reporting is unlawful and should be removed immediately. 
Incomplete and Inaccurate Reporting The reporting on this account is inconsistent, and Experian has failed to provide verifiable proof of the accuracy of the reported information. 
Incorrect Charge-Off Status The balance history shows conflicting information regarding payments, balances, and charge-off periods, suggesting errors in reporting. 
Failure to Provide Required Verification Under the Fair Credit Reporting Act ( FCRA ), Experian must ensure that any information it reports is accurate, verifiable, and complete. I have not received sufficient documentation verifying the legitimacy of this charge-off in response to my previous inquiries. 
Potential Violation of Credit Reporting Regulations The account is scheduled to remain on my report until XX/XX/2030, but the reporting of the charge-off and payment history contains discrepancies that may violate federal guidelines for fair and accurate reporting. 
Because the legally required notice was never provided before XXXX reported the delinquency, this account was improperly reported from the very beginning. This violation, in addition to the inaccurate and unverifiable reporting, necessitates the immediate deletion of this account from my credit file. 

I appreciate the CFPB 's attention to this matter and request a thorough investigation into Experians reporting practices concerning this account. Please provide me with an update on the resolution of this dispute at your earliest convenience. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Pressler and Pressler, a debt collection lawyer, is trying to garnish my wages for a debt I do not have, or know anything about, from XXXX XXXX XXXX. XXXXand XXXX says it represents XXXX XXXX XXXX. as well in this matter. I have not had a loan, nor a credit card from anyone in over 20 years, let alone XXXX XXXX. They don't state what type of debt it is, nor do they state the amount, nor any dates regarding this " loan '' .This sounds like a scam on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Appeal cfpb Re Experian continual changing of my US LEGAL NAME on my credit reports Experian has changed or is using 7 numerous SEPERATE reported Names ON SEPERATE CREDIT REPORTS to report SEPERATE DIFFERENT credit history all contain fraud information I was sent a new name credit report dated XX/XX/XXXX with a name XXXX XXXX XXXX XXXX XXXX as per attached screenshot report # XXXX Less than 30 days prior they reported me as XXXX XXXX XXXX XXXX XXXX XXXX report # XXXX REPORTING a fraud address of XXXX XXXX XXXX XXXX Virginia ... being added after I put a XX/XX/XXXX freeze on my credit reports thru XXXX identity theft protection services online.. 
And then XXXX XXXX XXXX XXXX via email listed as EXPERIAN And then XXXX XXXX email from USA experian support email as XXXX XXXX XXXX XXXX XXXX with a membership ID # XXXX account thru experian basic credit works company email  XXXX XXXX - ( XXXX ) XXXX XXXX report # XXXX on XXXX XXXX XXXX dispute XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX report # XXXX that I pulled after being denied a loan due to my identity theft registered with the FTC and reported identity theft and fraud activities in my names addresses phone and SSN # as per experian documents in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following incorrect names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Experian is reporting the following incorrect SSN :  XXXX  Experian is reporting the following incorrect addresses :  XXXX   XXXX   XXXX  #  XXXX    XXXX   XXXX  , NJ  XXXX   XXXX   XXXX   XXXX   XXXX , NJ  XXXX   XXXX   XXXX   XXXX   XXXX , NJ  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   NJ  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney  General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I represent that I do not owe any balances to any of these creditors nor have I ever applied for any services under these corporations or advised any to open credit it my name! 
You keep telling me that I am not the person submitting my own investigation and takedown request. Do you think I dont know how to write? I will file a discrimination complaint against you as well, if you continue to deny my request. 

XXXX ACCT : XXXX AMT : {$130.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT :  {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ACCT : XXXX ACCT : XXXX XXXX : {$2300.00} AMT :  {$250.00} Also, the following unauthorized Credit Inquiries must be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously submitted. All CRBs seem to gloss over my request with pleasure. 
This is again a demand to remove and block erroneous and fraudulent information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 




I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have tried to reach Self Inc numerous times in regards to closing my account, I can't get a hold of anyone via a call. I have messaged them time and time again and I don't get an answer except the automatic message.
Product: Checking or savings account

XX/XX/2023 I opened an account with Citi bank at XXXX XXXX XXXX NY location both saving and checking. The banker requested new debit card for me. The first one, I never received it, so she requested the other one for me. Somehow on the 26 of the same month, someone used my lost Debit Card went to XXXX XXXX  NY location withdraw {$3300.00} total from teller, which I dont know how teller gave that person my money. And they used the card at ATM machine try to withdraw {$2000.00} cash. At that point, bank send me an alert. I called the customer service frozen my account and filed a claim about the money that they took. 
On the XX/XX/2023, Citi Bank send back a letter states that because that person used the card, my request was denied. 
Here I am filling a complaint against CiTi bank, without properly verify my information gave my money to other unauthorized person.
Product: Credit reporting or other personal consumer reports

There are numerous inquiries in my report that i don't recognize. These are fraud and i want them to be removed as soon as possible. I am in the process of making my home improvement and i can't move forward because of those inquiries. Kindly remove them as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 applied for a new credit card. 
XXXX XXXX XXXX XXXXnformed me that experian has a false social security number listed with my otherwise correct demographic information I have been trying to call experian for several weeks and can not reach anyone I have received no response to email sent to experian the bank could not help me. 
I looked at my XXXX credit report and the social security number is correct I am worried because my true social security number was fraudulently used in 2014 to get a refund from IRS. 
I need to know why experian has a false SS # in their file
Product: Debt collection

I returned my modem to XXXX on XX/XX/XXXX and they could not cancel the service in the store so I cancelled it on the phone the next day XX/XX/XXXX. I informed them that I had already returned the modem to the store the day before. On XX/XX/XXXX I received a bill from XXXX for {$400.00} stating I didnt return the modem. I immediately called XXXX. The rep said I needed to go to the store where I returned the modem. The girl there said theyve had this happen before so she called XXXX on the phone and I was there at least an hour and a half with nothing resolved. They were claiming they couldnt locate the modem even though I have the receipt that it was returned and the account was cancelled. On XX/XX/XXXX I got another bill. Then XX/XX/XXXX I got another bill. Then on XX/XX/XXXX they sent a letter that I was now in collections. I also received another bill from XXXX on XX/XX/2024. I called the collection company on XX/XX/XXXX when I received the letter in the mail. The agent XXXX XXXX transferred me to XXXX. The rep said he couldnt help because the account has been closed and my password no longer worked so I was again told to go to a XXXX store. I went to another XXXX store and the rep called XXXX on the phone and I was there at least an hour and 1|2. They still wouldnt remove the balance again. Stating they didnt get the modem when I again showed them I had the letter stating I returned it. Now its affecting my credit and taking time out of my day trying to prove I returned this modem. Im not paying {$400.00} for something I no longer have. I dont know what else to do.
Product: Checking or savings account

On XX/XX/year> I sent a XXXX payment of {$470.00} to XXXX XXXX doing business as XXXX XXXX XXXX in XXXX, NY. She was someone who I had previously purchased items from before with no problem. There was a miscommunication about the date to meet for me to receive the item and because of that, she refused to give me the item or a refund. She then blocked me on XXXX and never returned any dms, emails or phone calls. I immediately reached out to Bank of America and my claim was denied. I have the entire exchange as well as proof of the payment. Thank you!
Product: Credit reporting

I am complaining about the fraudulent hard inquiry put on my equifax credit file by XXXX XXXX XXXX on XXXX XXXX, 2015. I have had never contacted them or being their customer in any way directly or indirectly and they have stolen my personal information and requested that hard inquiry. I contacted them several times but they are not responsive or helpful in anyway. I requested them to remove the inquiry but they passed me to Equifax while Equifax claims that they have no ability to remove that inquiry. I contacted them again and they are not responsive. I explained that XXXX needs to contact equifax business office to get that removed by they deny and deny anything they can do about it.
Product: Credit reporting or other personal consumer reports

Please check information concerning the Equifax data breach below in the attachment.
Product: Credit reporting or other personal consumer reports

XXXX is the worst I have sent him the same documentation driver 's license birth certificate passport to correct my name to include XXXX. They will not remove accounts that do not belong to me, I have over XXXX inquiries even though I had a freeze and a lock on my account. When you call in to update your phone number and email due to my information being compromised on the web they asked for one of the other and when you don't have them you don't have either you have to change them both they won't let you. Several accounts that aren't mine several accounts that are old.
Product: Checking or savings account

Marcus froze my account after a transfer, but did not communicate they did it. I discovered it when an auto payment failed from another institution paid monthly for several years. Their failure has cost me money and left me without access to my money. 

I called to fix it, and they couldnt help me. They cant identify my phone number to my name using some secret tool. My number has been the same on the account from the day I opened the account. They offered no assistance except to call back in 1-3 days to validate my identity, which is nonsense. 

Im trapped without access to my savings and wasnt even told. This is insane. They to be fined and penalized for their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX Bank, and So XXXX XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I want these accounts to be fully reviewed, as they are completely incorrect. If they are confirmed as inaccurate, they must be removed from my credit report.
Product: Debt collection

Under the hippa law I didnt give this company to disclose my debt to anyone. Furthermore I asked for a validation of debt and they failed to send me one. So I need this removed from my credit
Product: Debt collection

i requested a verification of debt from scott and associates. They sent in regular mail with bill of sale, acquisitions of accounts, including 48 social security numbers other people information on their interest owed and how much they have to pay as well. No attorney wants to touch i have went through two. they said i did not have any standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$610.00} XXXX  XXXX Balance : {$610.00}
Product: Credit reporting or other personal consumer reports

on XX/XX/2024 I sent an initial letter to Volkswagen Credit requesting original contract/ debt verification. I didn't receive a response. since I have yet to receive a response in the required time I sent another letter asking the account to be removed from my report.
Product: Money transfer, virtual currency, or money service

I am reaching out to raise serious concerns about Zelles approach to handling disputes, especially in light of the CFPB lawsuit that has highlighted significant flaws within the platform. Despite having used Zelle frequently and reporting several irregularities, both Zelle and my financial institution failed to properly investigate my claims. I was told that recovering lost funds was not an option and that tracking these transactions was impractical. The findings from the CFPB underscore that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit its system, leaving users exposed to scams. This lack of accountability is deeply concerning and raises critical questions about the safety of the platform.
Product: Student loan

My name is XXXX XXXX, I orginally co-sign a loan for my son XXXX XXXX with XXXX loans about 10 years ago. Around XXXX, XXXX XXXX sold to AidAdvantage loan services company. My son has paid on this loan for around XXXX  years or so. His payments have been on time, and he has a good credit rating and a good job. I felt it was time to remove my name from the loan and I sent a co-signor release form request to AidAdvantage. They sent back a 2 sentence reply, that I could NOT have my name removed as I was the principal holder of the loan, not my son. I am almost 100 % positive that is incorrect. Some how in the process of the loan moving from XXXX to AidAdvantage, my name became the holder of the loan instead of the co-signor only. What assistance can you help me with?
Product: Debt collection

Re : Credence RM This company was asked by XXXX as well as myself numerous times to remove their claim from my credit report. I owed a balance to XXXX in XX/XX/2017 and I paid the balance in full to XXXX. The company called Credence placed a negative mark on my credit report stating I owed and paid them, not correct. The original creditor requested them to remove this claim. This continues a year later to show up. Credence has caused me damage both in obtaining a mortgage and has cost me job opportunities. This must be removed it is a false claim.
Product: Credit card

My Citi credit card was closed on XX/XX/XXXX. The reason given was returned or late payments. 

I had my old XXXX XXXX XXXX account still set as my auto pay account on accident. I had been making all my manually payments via my XXXX XXXX account on time for the last few months. 

When XXXX XXXX XXXX was taken, it attempted to pull from my old account and the payment was returned. I immediately fixed this issue by deleting the XXXX account and made the required payment via my XXXX XXXX account. 

However, Citi refused to re-open my account. 

While I made the mistake for leaving my old bank account on file, I dont think its necessary to close my credit card due to this mistake. I have payed everything on time since I became a customer. I rely on this credit card for critical monthly purchases.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX  XXXX never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is nothing but an ecommerce site that constantly tries to force you to purchase their monitoring or other services instead of allowing you access to your credit file. Every time I try and login, i'm redirected to the ecommerce site to purchase a monthly service from this. When i called support, they told me they were resetting my password, and then did not send me the password reset emails. I've been going around and around for 4 hours. If Transunion is going to be nothing more than a seller of credit services, they should not be allowed to be a credit reporting bureau. They are monetizing services that should be made available to the public and causing great harm to consumers by refusing to allow consumers to access their credit profile.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to the account related to RADIUS GLOBAL SOLUTIONS. This account is directly related to identity theft. The debt collector RADIUS GLOBAL SOLUTIONS purchased a fraudulent account from XXXX XXXX an is now reporting this fraudulent debt to XXXX XXXX XXXX XXXX consumer report. The original creditor XXXX XXXXXXXX XXXXXXXX XXXX is where the collection originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX consumer report back in XX/XX/year> by XXXX. The debt collector RADIUS GLOBAL SOLUTIONS purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my experian consumer report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault RADIUS GLOBAL SOLUTIONS purchased a fraudulent debt RADIUS GLOBAL SOLUTIONS shouldve done their due dilligence before purchasing the fraudulent debt.