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

Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX Respondent : Experian Information Solutions , Inc . 

-- - I. Summary of Complaint I am filing this complaint against Experian for its blatant and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Experian has : 1. Failed to conduct a reasonable investigation within the required XXXX timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

XXXX. Failed to notify me of the results of its investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ). 

XXXX. Failed to correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

XXXX. Reported inaccurate information despite clear evidence of errors ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. 

-- - XXXX. Detailed Explanation of Violations XXXX. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) In XXXX, XXXX, XXXX, and now XXXX, I formally disputed multiple errors on my Experian credit report. The FCRA requires Experian to complete an investigation within XXXX  days. To date, Experian has failed to conduct a reasonable investigation or resolve my dispute. 

XXXX. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Experian is legally obligated to provide written notice of the results of its investigation within five business days of completion. It has failed to do so. 

XXXX. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite overwhelming evidence proving errors on my credit reportincluding [ List Errors, e.g., incorrect late payments, fraudulent accounts, incorrect personal information ] Experian has refused to correct them. 

XXXX. Willful and Negligent Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that Experian ensure maximum accuracy. Instead, Experian continues to report erroneous and damaging information, severely impacting my financial well-being. 

XXXX. Unfair, Deceptive, and Abusive Practices ( 12 U.S.C. 5531 ) Experians failures have caused significant harm, including denied credit opportunities, higher interest rates, and financial distress. This constitutes unfair and deceptive practices. 

XXXX XXXX XXXX. Relief Requested I request that the CFPB : XXXX. Order Experian to conduct a proper investigation and correct all errors immediately. 

XXXX. Impose fines for Experians noncompliance with federal law. 

XXXX. Require Experian to disclose its investigative procedures and ensure FCRA compliance. 

XXXX. Award damages for financial and emotional distress. 

-- - XXXX. Conclusion Experians failure to comply with federal law demands immediate enforcement action. I urge the CFPB to hold Experian accountable. 

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

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXXXXXX XXXX XXXXXXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.
Product: Credit reporting or other personal consumer reports

I had a car repossessed, after making thousands in payments. I am now being pursued to pay the balance of a car that is no longer in my possessions.
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate removal of the following fraudulent accounts from my credit report due to identity theft and a data breach that compromised my personal information thus causing a domino effect and financial damage to several accounts. I have included supporting documentation, including a data breach notice, a Federal Trade Commission ( FTC ) Identity Theft Report, and a police report, all of which confirm that I am a victim of identity theft. 
Pursuant to 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within XXXX ( XXXX ) business days of receipt of a valid request. As more than 30 days have passed without resolution, your failure to act constitutes a violation of federal law. I demand the immediate deletion of the following accounts 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  Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer to whom it relates. I have never provided such consent for these fraudulent accounts to be reported, and their presence on my credit file violates my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breach : I called Consumer Financial Protection Bureau ( CFPB ) regarding this fiasco. According to the representative, the CFPB is responsible for the credit bureaus and will be addressing this issue in respect to policy, etc. I explained to the rep ( although she has no power ), that this is the perfect opportunity to change the game on how these types of agencies conduct business and impact individual lives. Per the rep, individuals can go to the CFPB website and submit comments, complaints, suggestions, ect., to CFPB for consideration. I would like to recommend that TYT  address this issue on your show and provide the link for the CFPB to be bombarded with consumer requests to address our concerns with the credit bureaus in general and not just this specific breach.
ISSUES : 1 ) I did not agree to my information being shared with these credit bureaus.
2 ) I do not agree that these bureaus should be able to make money off of my personal information.
3 ) I believe that XXXX was negligent in their responsibility to protect my information 4 ) Credit bureaus have too much influence in my life on all levels.
5 ) Credit breaches should be corrected and individuals made whole by the agency where the breach occurred and not be the responsibility of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I owe {$89.00} to them for insurance that I cancelled by phone because the insurance was cheaper at my current carrier it was paid in full up until I cancelled on the phone. I do not owe this debt If not deleted from my credit reports I will sue XXXX XXXX XXXX and Transunion. I have contacted a lawyer on this matter and will sue if not deleted. I have the right to cancel my insurance whenever I want
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report
Product: Debt collection

I had a XXXX  card and back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My partner lost her job. We werent able to make payments on the card. XXXX turned the account over to XXXX XXXX. I never recieved anything by mail from them. When I asked what address they were mailing to, they got angry. I stated I have a po box every thing needs to me mailed to the po box XXXX if it didnt have the po box our post office sent it back to sender. XXXX would call everyday either my number or my sons cell phone. When I would explain to them that I wasnt able to make payments right now, they got mad. Once a gentleman called from XXXX and I told him once we got on our feet I would start making payment. He told me I was a liar, that I never planned on paying it back. He proceeded to tell me i was going to me sued and asked how I felt about possibly going to jail. This went on for about a year. Then I tried to reach out to pay my debt and they told.me I was being sued. AnotheXXXX XXXX months went by I never recieved anything. Then on XX/XX/XXXX I got a complaint and summons that they were suing me. Javitch Block LLc is the attorney. I have tried to reach out to them to pay this debt. When you call they dont have enough agents for the wait time is XXXX plus minutes. I sent them several emails asking to reach out to me. I emailed and faxed a settlement letter ask for them to contact me. Still nothing. I got on XXXX XXXX and dis a settlement. They replied to me then with we will not communicate or negotiate through XXXX XXXX. I want to settle this debt. But I feel being harrassed daily, cursed at, and threatened is not worth amswering the phone when they would call. And for Javitch block to say that want to clear up this matter, but I need to contact them. How do I contact when no one answers the phone and they dont reply back to my emails.
Product: Credit reporting or other personal consumer reports

My frustration has brought me here, because in the past two months I have tried to reach out to your company and nothing has been resolved about the inaccuracies in my report. It is negatively affecting me and my financial state.
Product: Credit reporting or other personal consumer reports

creditors are not able to pull my credit report, there is no fraud alert or freeze and all personal information matches up. Its an issue on XXXX side and they are not fixing it.
Product: Credit reporting or other personal consumer reports

I have filed several previous complaints against Experian regarding untrue negative information. Finally Experian deleted this negative info. However recently Experian lowered my XXXX score from XXXX, excellent, to XXXX poor. The reason for this appears to be that Experian claims that I have no avaialble credit. They now refuse to acknowledge my credit card with XXXX XXXX XXXX that I have had for over 30 years. I spoke to my credit card company and they are not the problem. I have over {$40000.00} in available credit on this account. I currently have NO XXXX score due to Experian 's error. It need to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

We purchased sixty ( XXXX ) XXXX controllers from XXXX on XX/XX/year>. Order ID : XXXX The total amount charged to our Capital One Business CC was {$790.00} XXXX chose to refund us only {$630.00}, shorting XXXX {$150.00}. XXXX also chose to refund us in 8 small amounts, rather than one single amount. Making this process all the more difficult. 

The order was stopped at XXXX and returned directly to XXXX ' warehouse. We never even received our order and tracking confirms that. Additionally, XXXX emailed us stating that our order encountered " unexpected delays, '' while in transit and stated that we could go ahead and apply for a full refund. They also stated that if any of the items were to arrive, that we didn't need to return them. Out of the five packages sent by XXXX, four of them were returned to XXXX by XXXX. Only one package actually made it through. 

We have attached screenshots of the email sent to us by XXXX showing the corresponding Order ID and their statement in full. Additionally, we have attached screenshots of all 8 ( eight ) small Refunds that they granted proving that they shorted us {$150.00}. 

After speaking with XXXX Customer Service on two separate occasions they told me I'd have to wait another 3-5 business days for them to contact me. Eventually we were contacted by one of XXXX ' " Specialists. '' The specialist told me that I needed to open a return to get my money back... we already did that ... that is exactly why they had you ( the specialist ) contact us. And that's exactly what I told him. I got no response from the " specialist, '' from that point forward. I tried contacting him again through his email a couple days later and still got no response. At that point, I told them I'd be contacting my CC company and placing a stop payment. Still no reply from the specialist. So we did exactly what we said we would and filed a chargeback. 

XXXX disputed it and Capital One immediately gave them our money back. Capital One has the tracking numbers for all five packages that XXXX sent, so they know for a fact that I didn't receive the order. When I asked Capital One why they chose to give them my money back, their response was " The merchant provided the following information to support the transaction : Notification that goods were as described and received in good condition '' That was also included in the response letter that Capital One sent to me. Screenshots of that letter have been attached for reference. 

XXXX explicitly guarantees " Delivery in 30 Days or Your Money Back. '' XXXX stole {$150.00} from my me/my company. Capital One knows that they did and they allowed it, even after indisputable proof was provided to Capital One at their request.
Product: Debt collection

Reporting a collection agency that has been calling me repeatedly this week. I was called twice today ( XX/XX/XXXX ), twice XX/XX/XXXX, twice XX/XX/XXXX, and twice XX/XX/XXXX. I used to work for a collection agency so I know that goes against a few regulations. They have called from multiple numbers with the XXXX code, says it's coming from XXXX. The name of the agency is CBE Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}
Product: Checking or savings account

Popular Directs contact # XXXX. 
Opened a CD with PD on XX/XX/23 and did not receive a confirmation email or account #. I have been a victim of several hacked banks, etc : XXXX, XXXX, medical, etc, so I did not want to give the phone rep my full social and, of course without the social and no confirmation #, they would not help me. Spoke with a number of reps, XXXX, XXXX, XXXX and supervisor, XXXX. I was told to send a copy of my ID and a copy of a utility bill to them, which I did and received a confirmation email on XX/XX/23 for the documents I emailed to them. I called today, XX/XX/23 to get my account # and XXXX would not help me without my SS # or the non-existent account #. Personally, I have not come across any banks that ask for the full SS #., so that seems odd. 
The money, {$49000.00} was taken from my account, XXXX on XX/XX/23. If they do not provide me with an account #, how can I remove my money at the maturity date? I feel they have stolen my money, since they refuse to give me an account #. The bank does not have a stationary address and is an online bank, only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for XXXX {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.
Product: Debt collection

Back in XX/XX/XXXX I had a XXXX and was on XXXX and last I knew they paid for it. Then in XX/XX/XXXX of this year XX/XX/XXXX I got a letter of ganrnishment for the bill that I was under the impression that XXXX had covered but only covered part of the sugery. I never received an bill nor was contact about the debt. The garnishment letter says I owe XXXX dollars and I do n't think it 's fair for all this tacked on interest when no bill was received. I 've contacted them to try to arrange a payment plan for the original balance. But they said I have to pay the full amount with interest. I called the place where I had the XXXX and they do n't have any records of it any more. I 'm at a loss and unsure of what to do.
Product: Money transfer, virtual currency, or money service

Hi, I have initiated a wire withdrawal request on XXXX XXXX and the site as promised estimated that the day of deposit will be on XXXX XXXX Then later the site has updated that the delay can be expected up to 5 Business Days and my request has crossed the 5 Business Days I tried emaile the Coinbase Team 3 times but had no response, then I tried to call them up three times and each time I waited for 1 hr with no response I am having a personal emergency and I am worried that I am being cheated by the Coinbase team
Product: Checking or savings account

Hello, my Wells Fargo card & my phone was lost XXXX XXXX XXXX. My card was compromised and the amount of XXXX was taken out my account and I didnt authorize it. I bought the attention to Wells Fargo. They didnt file my dispute right. So my claim got denied. Which is wrong because I didnt authorize those charges.
Product: Credit reporting or other personal consumer reports

I was shocked this morning when I saw inaccurate accounts listed on my credit report, and I cant figure out why this happened. I always check my credit report regularly, but this time there were unexpected errors. I thought it might be a browser glitch, so I refreshed it, but the wrong accounts were still there. Its deeply frustrating, and now Im requesting a thorough review of the documents Ive sent so that I never have to deal with this again.
Product: Credit reporting or other personal consumer reports

Collection agency : XXXX XXXX XXXXXXXX XXXX and transunion are continuing to allow the reporting of the above account but I have told them that the collection agency has not provided the bill of sale or the assignment to prove they have the right to collect. XXXX only sent me a bill. They still have not shown me how they acquired the rights to the account. XXXX and Transunion are in violation of the fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my rental report and found several errors reported by XXXX XXXX XXXX XXXX XXXX where reported under Docket Numbers ; XXXX XXXX XXXX XXXX These items are reported as forcible detainer which implies I was evicted when I am currently a resident. 

I was never late or evicted. I am disputing this information because it is in accurate. Please remove from my credit report.
Product: Vehicle loan or lease

CARVANA violated consumer financial protection laws including engaging in unfair practices, deception, and abusive acts. CARVANA has violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. CARVANA REQUIRED a down payment in order to extend credit which is illegal according to 15 USC 1662 - illegally mixing credit and cash in a consumer credit transaction. CARVANA did not offer insurance and only required I provide insurance before the delivery of the vehicle that was purchase. Insurance is suppose to be included in the finance charge as the sum of all charges according to 15 USC 1605 Determination of Finance Charge. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. Car loan labeled as a Retail installment contract and security agreement which is a credit application. Violations : 15 USC 1692e misleading representations. 15 USC 1692j - false & deceptive. 15 USC 45 - unfair Methods of competition. 15 USC 1602 - multiple violations. I have no obligation to a breach of contract due to The Truth and Lending Act. CARVANA willfully violated provisions of Truth and lending Act. CARVANA is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation.
Product: Credit card

I made a payment on my XXXX  XXXX ( XXXX XXXX ) on XXXX, XX/XX/year>. The payment included a late fee and a stated over the limit fee for a total of {$960.00}. Concord XXXX received the payment on XX/XX/year>, but attempted to debit my bank account on XXXX separate occasions despite the fact that the funds were already paid on XX/XX/year>. I received XXXX XXXX fees from my bank due to the attempts. 

I made a payment on my account on XX/XX/year>, for the entire balance of {$620.00}. The payment never posted to my account and no credit appeared confirming the credit payment. I contacted XXXX XXXXXXXX on XX/XX/year>, to inquire about my payment and was advised that XXXX to me, Concord XXXX closed my account without notifying me before the {$620.00} payment was made. XXXX  stated that my account had been closed on XX/XX/year>, even though I had received a statement for an amount due of {$44.00} from Concord with a due date of XX/XX/year>. 

I paid the balance with my bank card for the first time ever due to the previous repeat attempts to direct debit my bank account the prior month which caused me excessive fees. 
I would not have paid the entire balance {$620.00} if I knew that the account had been closed XXXX weeks earlier. I planned to pay my automobile insurance with the funds once they posted to my account. However, since Concord closed my account without my knowledge prior to me making a payment the funds were taken and not posted this has caused me a great hardship.