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

On XX/XX/XXXX, I disputed two XXXXXXXX XXXX accounts with Experian because the information being reported is inaccurate and misleading : XXXX XXXX Account ending in XXXX Reported as a charge-off with a balance of {$10000.00}. 
XXXXXXXX XXXX Account ending in XXXX Reported as a charge-off with a balance of {$530.00}. 
On XX/XX/XXXX, Experian responded that the accounts " have not been changed and will remain on your credit report. '' However, after reviewing their response, it is clear that Experian did not actually investigate my dispute. 

Experian never contacted XXXXXXXX XXXX to verify the accuracy of the information, and they failed to provide any explanation or method of verification. 
As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) that require credit bureaus to conduct a reasonable reinvestigation when a dispute is submitted. But in my case, Experian simply rubber-stamped their response without doing the necessary work to ensure accuracy.

This is not just frustratingits a violation of federal law.

FCRA Violations by Experian Failure to Conduct a Proper Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Experian is legally required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. 
They failed to verify the XXXXXXXX XXXX accounts with the creditor, violating my rights.

Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) These accounts contain incorrect information, and Experians refusal to correct them is a clear violation of their duty to maintain accurate credit reports.

Failure to Provide the Method of Verification ( FCRA 1681i ( a ) ( 7 ) ) I was never given any information about how Experian verified these accounts, which is a required part of the dispute process. 
XXXX Pattern of Ignoring Consumer Rights This isnt just happening to me. In XXXX, the CFPB sued Experian for failing to properly investigate consumer disputes and violating the FCRA. The lawsuit accused Experian of Ignoring consumer evidence and refusing to verify disputed information. 
Automatically rejecting disputes without conducting real investigations. 
Repeatedly allowing inaccurate information to remain on reports, harming consumers. 
This is exactly what is happening in my case. XXXX refusal to correct or even investigate my dispute is further proof that they continue to violate consumer protection laws.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I sent XXXX, XXXX, and Transunion the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions. 

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 


SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!
Product: Money transfer, virtual currency, or money service

I was sent a payment through Venmo for {$250.00} I/O and return sent the money to my daughter and her Venmo account. She tried to return the funds and then our accounts were frozen/suspended. We were then asked to provide our IDs and we both submitted our IDs and after that we still were not able to access our funds. We have not been able to talk to anyone live. All we get is the same emails stating that they know our problem. We have also had the option to talk to someone by chatting only is a robot we are not able to withdraw our funds or send money however, they do allow us to receive money which is kind of Absurd no one is helping us. We received an email on XX/XX/XXXX stating someone would reach out to us in 24 hours. It is now XX/XX/XXXX and no one has reached out this begin XX/XX/XXXX for myself and XX/XX/XXXX for my daughter on the XXXX. my account was frozen in on the XXXX. Her account was frozen. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that I had some changes on my credit report. The credit report signifies that I applied for credit with XXXX XXXX for an auto loan on the XXXX of XXXX. I have not applied for credit with this company and do not wish to do business with the company. These are the hard inquires that I did not authorize ever. 

XX/XX/2018 CAPITAL ONE CAPITAL ONE, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and it said i had XXXX collection accounts one from ( XXXX XXXX XXXX ) XXXX XXXXXXXX for a total of {$310.00} XXXX i have never been associated with this company nor had i ever had an account with them also theres one from ( XXXX XXXX ) XXXX for a total of {$1400.00} XXXX i would like for these accouynts to be removed and deleted from my report i already put an fraud alert on there
Product: Debt collection

Approximately a month ago I received a call from Midland Credit Management Inc. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. 

Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. 

He also did not verify who I was. He only asked for my name and calling my work. 

He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.
Product: Mortgage

RELATED TO CASE XXXX XXXX BANK ATTORNEY McCALLA RAYMER WAS REQUEST INFORMATION ON HOUSE FRAUDANTLY SOLD AT AUCTION. REQUEST INFORMATION ON SALE. SUCH AS AMOUNT, TO WHOM, VALIDATION OF PURCHASE, AND TITLE INFORMATION. THIS LED TO ASSISTENCE OF DISTRICT CONGRESSMAN, WHOM HAS BEEN MONITORING THIS ACTION OF ROBO SIGNING ON DEED AND MERS AND XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$5.00} XXXX XXXX XXXX Account Number : XXXX {$0.00} XXXXXXXX XXXX, Account Number : XXXX {$4000.00} XXXX XXXX Account Number : XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$2400.00} XXXX XXXX XXXX Account Number : XXXX {$9400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$3200.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX {$2400.00} XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXXXXXX Balance XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX : {$530.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX Balance XXXX {$6800.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$94.00} XXXX XXXX Balance : {$1000.00}
Product: Debt collection

A debt validation letter was sent to the company LOCKHART MORRIS & MONTGOMERY. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX. A follow up debt validation letter was also sent out on XX/XX/XXXX and received on XX/XX/XXXX. As of today, XX/XX/XXXXI have not received the correct information to validate this debt. The company is failing to validate this debt but is still reporting the account on my credit report.
Product: Debt collection

The company, self identified as " XXXX XXXX '', has called and left messages in my voicemail for the following dates ( including several more ) : XX/XX/2018 at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours, XX/XX/XXXX at XXXX hours. The company continuously calls requesting to fix a debt owed to them by an unknown person. I have not ever conducted business with this company and they fail to acknowledge that. They may be looking to contact someone who gave them a wrong phone number. Please fix this.
Product: Mortgage

My property payment was XXXX XX/XX/22 and the next month XX/XX/22 it was XXXX. This is also at the same time Change Mortgage sold my loan to the new, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I just refinanced the loan 6 months ago to lower the payment because it was a struggle to make high payments. So I refinanced and received a XXXX higher interest rate to get the lower loan payment from approximately XXXX to XXXX dollars. When I called they stated it was due to property value increase which increased taxes and insurance dues. This is not something I even knew could happen. I thought this type of stuff happened in balloon payments not regular loans. I am including the document sent to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On the loan officers Crosscountry Mortgage XXXX page XXXX XXXX XXXX Mr XXXX XXXX posted a scenario with his rate and the rate of 4 competitors. I was concerned that he did not. Have any disclosure or give the APR.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$0.00}, {$440.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

i have late payments that are not prohibited to be reporting on my report due to the TILA section ( 1666b & 1637 ( b ) ) and FCRA section ( 1681s-2 & 1681 ) they keep sending letters back saying verified but i know they are not doing their jobs. 
the accounts are XXXX XXXXXXXX XXXX XXXX acct # XXXX limit XXXX have XXXX late payments on whole account which i was not late XXXX XXXX  acct # XXXX limit XXXX have XXXX late payments which i was never late XXXX  XXXX  acct XXXX limit XXXX XXXX  XXXX acct # XXXX limit XXXX and the law that congress passed 15usc 1666 ( a ) & ( b ) a creditor may not treat a ( PAYMENT ) on a credit card account under an open end consumer credit plan as LATE for any purpose.

please update these and handle in a timely matter thank you. 
unauthorized inquires XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX amount of XXXX law that congress passed 15 usc 1681 i 15 usc 1681s-2 26 u.s code 9816 its unlawful to report medical bills to credit.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Whos the original creditor? XXXX not familiar with this account, and I dont agree with it. Would you agree? Just putting it out there.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX! My information was compromise in the XXXX  XXXX data breach. The beginning of this year I've been having problems with a hacker trying to access all my personal. The hacker has taken over my XXXX page, try to hack into my XXXX XXXX, also hack my personal laptop computer XXXX create it fake pages on dating websites. I'm trying to clean up my credit, because it has a lot of old address and wrong information on my credit report. I have contacted XXXX, XXXX, and Experian. The only credit bureau that would not co-operate was Experian .The old addresses and wrong I need remove is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also these phone numbers are wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect name XXXX XXXX. Also all the employer is incorrect 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 card or prepaid card

This is not my account Ive never authorize this to be open, I never consent or signed with wet ink everything see, s online or digital which is not fair
Product: Debt collection

On XXXX XXXX I checked my credit report to find Pathfinder credit services had a collections against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. On XXXX XXXX I requested verification of the debt and account but the business failed to provide any proof. On XXXX XXXX Pathfinder credit services did however report new activity with the account to the aforementioned credit reporting agencies. Considering this business does not have a contract with me for any goods or services nor provided adequate proof, I am not obligated to pay for the alleged debt. Furthermore, I have found that Pathfinder credit services is not authorized to collect in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Equifax must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$770000.00}, XXXXXXXX XXXX XXXX  XXXX Balance : {$280000.00}
Product: Credit card

I am writing to formally address several serious concerns regarding my account with American Express. It has come to my attention that three credit cards under my name have been reported as unpaid, despite the fact that I have already settled the outstanding balances in full. I believe that this misinformation is a result of a fraudulent attempt by American Express to recoup funds that I have already paid.

Additionally, I am alarmed to learn of the pending civil suit seeking to place a judgment against me based on this erroneous reporting. This inaccurate entry on my credit report is not only harmful to my financial standing but may also be defamatory in nature. 

Furthermore, I must bring to your attention that I have received an email from American Express containing XXXX language. I consider this matter to be extremely serious. Please be advised that any judgments entered against me will result in a lawsuit for harassment and XXXX discrimination. 

I urge you to investigate these claims promptly and rectify this situation in a timely manner. I expect to hear from you soon regarding the resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Complaint and request : for assistance to reconcile an incorrect matter with Citibank NA Requesting specific statements in writing Hello, I am requesting assistance to have an old matter with Citibank resolved. Please note Citibank does not have current information and is ruining my credit worthiness due to improper recordkeeping. 

Please note, I am submitting a second and different complaint with reference to CITI NA. On XX/XX/XXXX I submitted an original complaint and they responded with a letter. The letter is not thorough and does not include the information I requested to reflect the accounting and my credit worthiness accurately. I have included a copy of the letter they sent me on XX/XX/2021 

This letter states that they will remove the Citibank account card number XXXX from all three credit bureaus including XXXX XXXX XXXX and XXXX 

This letter does not address the fact that I asked for the inquiry from Citibank that is on my credit on XX/XX/2021 to be removed from my credit report. I was denied credit by CITI because of back errored accounting. Theyre ruining my credit and I want this credit inquiry off of my credit. Another credit card I hold with another bank lowered my credit limit due to this inquiry. 

I am here by requesting that Citibank sends me in writing : 1. Stating that they will be removing the credit inquiry fromXX/XX/2021 from all three bureaus on my credit report. 

2. Stating that the account number XXXX, is closed, paid as agreed, in full, with a zero balance. 

I have paid this account off over two years ago and I have been harassed by CITI NA and collection agencies, for money owed, and I have repeatedly disputed it and requested in writing confirmation and validation of when and how much I owe money for because I have bank statements showing all of my payments coming out. I have not received verification of what I requested. I have received documentation from collection agencies and from CITI NA that do not reference or verify or prove that I owe money. Im requesting this is completely removed from my credit history. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies. 

Attached screen shots : XXXX XXXXTransunion XXXX My complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed. 

Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living. 

Their actions have caused my XXXX XXXX to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased. 

I understand not having any XXXX XXXX will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment. 

Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the XXXX ( XXXX ) year clock to stay on my credit report would restart.
Product: Credit card or prepaid card

Booked a hotel reservation online for XXXX XXXX wanted to change room type so had to cancel in order to book e room type. Honestly did not see the non refundable cancellation policy. Completed my stay abd paid credit card but hotel merchant XXXX wants to charge me two separate cancellation fees ) XXXX each! This was not clear to me and I am disputing this charge! The XXXX XXXX in XXXX, XXXX and XXXX refunded me these amounts but USBank will not refund my card and remove charges! I have been back and forth since XX/XX/2023 with many calls, letters, emails and faxes. 

I am requesting your assistance in this matter to reverse the fees on my bank account with USBank and remove these charges. 

Thank you. 

Sincerely, XXXX XXXX XXXX