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

RECENTLY I HAVE BEEN HIT WITH A EXCESSIVE AMOUNT OF UNWANTED EMAILS AS WELL AS STRANGE PHONE CALLS. I WENT AND PULLED ALL OF MY CREDIT REPORTS AND WAS ABLE TO ALSO PULL THE XXXX FROM CLARITY. THERE WERE SO MANY UNAUTHORIZED INQUIRIES ON THIS REPORT. COMPAMIES I HAVE NEVER HEARD OF BEFORE IN MY LIFE. WRONG BANK ACCOUNT INFORMATION. WRONG PHONE NUBERS AND ADDRESSES. I AM RECEIVING CALLS AS EARLY AS XXXX XXXX  IN THE MORNING. I AM RECEIVING MORE THAN 100 EMAILS A DAY FORM COMPANIES THAT I HAVE NO CLUE ABOUT. I HAVE ATTACHED A COPY OF THE CREDIT INQUIRIES TO THIS COMPLAINT. THE ONLY COMPANY THAT SHOULD BE ON MY CREDIT REPORT IS KASHABLE. I AM NOT SURE WHAT CLARITY HAS GOING ON BUT AT THIS POINT I WILL BE CONTACTING A LAWYER TO GET THIS MATTER STRAIGHT. NOW WHAT IS STRANGE ABOUT ALL OF THIS IS THAT I HAD A SECURITY FREEZE PLACED ON CLARITY AND REMOVED IT BECAUSE OF XXXX AND THEN REPLACED IT. I HAVE NOW REMOVED IT PERMANETLY FOR THE TIME BEING UNTIL WE CAN GET ALL OF THIS MESS STRAIGHT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$15.00} USC 1692c ( C ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Checking or savings account

# XXXX Considering how detailed this complaint was the first time and it was still closed without literally anything being done about it, the best route to me seems to just leave the reference number for the original complaint. At this point Im really not sure if all of this is just a waste of time and I need to seek legal help, because Ive received ZERO help from either of these companies. There is no excusable reason for Truist to have never corresponded with me throughout this process and still be taking my money and allowing the checking account to function after they closed it without my knowledge MONTHS ago and never gave me the money from my savings account that they continue to drain. This is absolutely unacceptable and most definitely illegal, BEWARE TRUIST BANK!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of Experian. The mentioned agency has NOT obtained my consent for the report of the Student Loans accounts on my credit profile. This company needs to remove this reporting since this constitutes the following DIRECT VIOLATIONS : Violation of the Family Educational Rights and Privacy Act ( FERPA ). Federal law that protects the privacy of student education records.

20 U.S. Code 1232g ( b ) ( 4 ) ( B ) which states that : Personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. 
Violation of the Privacy Act of 1974, where clearly states that No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Violation under 15 USC 1681a ( 1 ) ( 4 ) and b, Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I, as consumer and student, HAVE NOT given Experian any authorization whether written, unwritten, verbal or non-verbal, to share my private educational information and/or records. Otherwise, I request that the company provide me with the date, time, name of the person spoken to, and my wet ink signature authorizing the furnishing of this disputed information. 
If this information is unavailable, immediate removal is imperative. 
I AM NOT REQUESTING VERIFICATION OF ACCOUNTS ; RATHER, I AM DEMANDING COMPLIANCE WITH THE LAW AND REMOVAL OF SUCH ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a added as a authorized signer to a existing XXXX XXXX XXXX credit card, I never signed anything in writing, electronically, or by any other method agreeing to be responsible or to pay and debts. The card holder later filed bankruptcy to which I was not a party too, and the credit card default was added to my credit file. I disputed the reporting with the credit bureau and explained that I had to signed anything or agreed to anything with the credit card company, I received a answer just stating the account was found to be valid. I mailed a letter requesting to be provided proof of my liability which went unanswered. I dont have any files to upload simply because I never applied for the card, received a statement for the card, or had any dealings of any kind with XXXX XXXX XXXX concerning the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commonwealth financial services continues to report me to XXXX, XXXX, and XXXX via XXXX XXXX XXXX XXXX. I dispute the report and each time the reports were removed only to reappear with a different dollar amount owed. I believe I 'm being targeted as identity theft, fraud via cybercrime
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX  appears on my XXXX twice, once with XXXX and once with XXXX. That is the same account appearing on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CLIENT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report ( FCRA Section 1681 ) Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate. Under Section 1681 of the Fair Credit Reporting Act ( FCRA ), I have the right to request a reinvestigation of any information that I believe is incorrect, and I am exercising that right by submitting this dispute. 

Details of the Disputed Information : Item being disputed : Account Number ending in XXXX Reason for dispute : The account shows charged off as of XX/XX/year>. 
I request that you investigate this matter under the provisions of the FCRA and notify me of the results within 30 days, as required by law. Please remove any inaccurate information from my credit report as applicable. 

Thank you for your prompt attention to this matter. If you require additional information, please feel free to contact me at the above phone number or email address. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date XX/XX/year> Collection Agencys Name and Address Santander XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX RE : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX Account Number : XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my Experian credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX CXXXXe XXXX, I formally request that Experian block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within four business days upon receipt of proper documentation. 

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX * *Formal Notice and Demand : ** This is my second formal CFPB complaint demanding that XXXX immediately comply with FCRA S 605B ( 15 U.S.C. S 1681c-2 ). You are legally obligated to block all information related to identity theft and fraud on my credit report within four business days after receiving this notice. Ignoring this is not an option. 
** Fraudulent Accounts in Question : ** XXXX : Account XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00}. 
XXXXXXXX XXXX XXXX  : Account XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. 
XXXX. XXXX  : Account XXXX Date Opened : XXXX : {$18000.00}. 
XXXX XXXX  XXXX XXXX Account XXXX Date Opened XX/XX/XXXX Balance Owed : {$9500.00}. 
XXXX. XXXX XXXX : Account # : XXXX Date Opened : {$18000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Account # : # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} These accounts are fraudulent and unauthorized, severely damaging my XXXX credit report due to identity theft and fraud. Despite my first complaint, these false records persist, and your negligence is glaring. 
Enclosed is the FTC Identity Theft Criminal Complaint ( XXXX ) from the U.S. Federal Trade Commission, verifying the fraudulent nature of these accounts, collections, and inquiries.

I demand Experian block all identified fraudulent accounts, collections, and hard inquiries from my credit file within the legally mandated four business days. Furthermore, you must provide a detailed explanation of your flawed verification process that allowed these errors to persist despite previous notification. 
Failure to act will leave me no choice but to pursue legal action against XXXX for non-compliance with federal law and negligence in protecting my identity. This is not a threat, but a promise to uphold my rights. 
What would be a good resolution? 
Ensure all correspondence regarding this matter is directed to my email at [ XXXX ]. I expect an immediate, lawful response. 
Your compliance with the law is non-negotiable.
Product: Credit card or prepaid card

I am re submitted a complaint that didn't come to a resolution with my credit card company. They closed the complaint with no resolution. 

Business Credit card was suddenly closed with no reason given on XX/XX/XXXX. There were over {$1000.00} in rewards points on the card when it was closed that can't be used now that the card is closed. After the card was closed we called American Express on XX/XX/XXXX and was told there was no reason for closure and that the representative on the line would take care of the issue for us and reinstate the account. By XX/XX/XXXX the card was still closed and we called support again. Again we were told there was no reason for the card to be closed and that we would have to " reapply '' to have the card reinstated. It is now XX/XX/XXXX and the card is still closed with no follow-ups from American Express . We would like the card to be reinstated and to regain access to our rewards dollars. 

The response to my original complaint on XX/XX/XXXX was responded to today XX/XX/XXXX. I am summarizing with my interpretation of the letter but it basically stated we don't know why your account was closed, you provided everything that would be needed to reinstate it and the card is still closed. 

I have attached the companies response from today XX/XX/XXXX which offers no resolution of reasoning.
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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$280000.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit card

We are approaching the usual due date. XX/XX/year>. I will now file a complaint monthly per every due date until you allow me to continue making payments. Whenever you are ready to receive the total of {$110.00} that was due in XXXX, please advise. Please note : I have not been able to pay my bill since my login was deleted thru no fault of my own at the end of XXXX. Until then, I'm holding onto my money. I'm so glad I didn't snowball this credit card like I started to. You all have proved that you don't value me or my business. Once this balance is gone, NEVER AGAIN! Please. Allow me to make payments as I always did timely and can prove with documentation. You considering this as a late payment is irrelevant because you made it impossible for me to pay it on time. Please see initial complaint one day before due date in XXXX. No late fees of any sort will ever be paid. Do not expect them. Thanks!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 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
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX XXXX XX/XX/XXXX REMOVE XXXX XXXX XXXX INQUIRY FROM MY REPORT. 
I DO NOT HAVE CREDIT WITH THEM I NERVER APPLIED FOR CREDIT WITH THESE PEOPLE. YOU GAVE THEM ACCES TO MY CREDIT REPORT WITH MY PERMISSION DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Outline of my dispute with XXXX Experian and XXXX Credit Bureaus / Reporting Agencies : XX/XX/XXXX - Requested an investigation of a XXXX  XXXX Bankruptcy via a letter sent standard US mail. 

All three reporting agency responded stating the XXXX XXXX Bankruptcy was verified by XXXX XXXX XXXX. 


XX/XX/XXXX I contacted the XXXX Experian and XXXX via a letter sent certified mail requesting an reinvestigation of a XXXX  XXXX Bankruptcy as via US certified mail. In which I provided all three reporting agencies with a letter from XXXX stating that XXXX was unable to verify the accuracy of the bankruptcy. 

All three reporting agencies responded stating the account is verified accurate. 

XX/XX/XXXX I contacted the XXXX Experian and XXXX via a letter sent certified mail requesting they provide me with the Method of Verification for XXXX  XXXX Bankruptcy. 

Experian responded stated that the company that reported the information has certified to Experian that the information is accurate. - despite me providing the letter from the company ( XXXX ) admitting that they are unable to verify this account. 


XXXX XXXX stated that the XXXX  XXXX Bankruptcy is verified by the furnisher USBK Court New Jersey. - I have provided a letter from the US Bankruptcy Court of New Jersey stating that the court does not report information directly to the credit bureaus / reporting agencies. 

XXXX stated that the account information was obtained from third party vendor XXXX XXXX XXXX- despite me providing the letter from this vendor acknowledging that they are unable to verify this account. 

Despite countless efforts of providing sound evidence of the inaccuracy and reportability of this XXXX  XXXX Bankruptcy to XXXX Experian and XXXX Credit Bureaus / Reporting Agencies they refuse to remove this inaccurate item from my credit report. The credit bureaus failure to ensure that the information they are report is verified and accurate is having injurious impact on my life and ability to trust the systems.
Product: Credit card or prepaid card

On XX/XX/2022 @ XXXXpm I received a Credit Alert that XXXX XXXX XXXX credit was closed out. XXXX. I immediate contacted XXXX @ XXXXpm and for 20 mins phone call conversation received the most unprefessional customer service respect from a supervisor by the name, " XXXX XXXX I encourage for her supervisor to pull that call that supposedly be recorded for quality and control. I was calling to see why my credit card was closed and she just did not let me speak and try to talk. I gave up talking to her and just knew I had my rights to compliant thru the CFPB. She said that " typically '' cards are closed after 12 months with no activity. With her disrespectful attitude I just let her go and I would like a darn good explanation why my card was closed without my permission?
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I received an email saying there was a change in my credit report. I logged into my account to find that Experian reported that our bank flagged our mortgage 180 days past due. I immediately contacted my bank and was told that this was not true as weve never missed a mortgage payment and that the issue is with how Experian is reporting it. As a result, my credit score decreased XXXX points. Fast forward a few weeks and Experian again flagged our account as XXXX past due, which to this date has been dinged on my credit report XXXX, all of which arent true. I was given my points back, but then later XXXX points were deducted from my credit score, that of which have not been given back and Ive actually had more subtracted since this time. I opened a dispute with Experian and they didnt resolve the issue. I opened another dispute and again nothing has been resolved, nor have I had any follow-up. My bank told me last week that everything should have been fixed, but after logging in, nothing has changed and everything still looks the same. This has been an ongoing issue for almost 2 months and mine and my husbands credit reports have been essentially ruined by inaccurate reporting and Experians unwillingness to resolve this issue in a timely manner. I want our accounts to be returned to what they were before Experian inaccurately reported this information because again, weve never missed a mortgage payment, but are being negatively impacted as a result of this.
Product: Debt collection

I saw credit card that was opens under my name some one has applied for credit card in my name I don't know how they get my information but i see it in my credit report as Collection but i didn't not apply for it the company didn't give me details about the time it was open or what information the person use But i was not responsible for it I tried to dispute the account but it came out as accurate I didn't know what to do
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has 2 accounts on my credit report reported as charge-offs when the IRS canceled both debts. I requested both 1099 C forms, and they denied that they reported them on my credit file when both are listed as charge-offs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan with several times with certain companies that use the credit agency.Clarity Services  has falsified information and also have items over two years old when companies check the report.I was told that they leave the items on there for five years, and Clarity is part of Experian which takes items off after two years.With, XXXX XXXX and XXXX XXXX, they have know information on me as I tried to get it myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX  ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Name and social are different. I cant access any account. May have been victim of data breach