23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing a complaint against Experian. They will not investigate nor correct the problems that I requested over 30 days ago. 

The case number is XXXX. The last time I requested a review on this problem occurred Wednesday XXXX XXXX, XXXX at XXXX. I also called them in reference to this on XXXX XXXX, XXXX at XXXX pm. Unfortunately, the customer service investigator hung up on me and never review the case. My request to have the two below companies investigated and dropped from my credit report. 

The case number XXXX was about two problems that I feel need to be dropped. The first one was on XXXX XXXX XXXX. On XXXX XXXX, XXXX they tried to take me to court to collect a debt of {$770.00}. I sent in a rebuttal to this company telling them that I never had any dealings with you. Therefore, they are not my creditor. I also stated that they had no personal information on me in-order to stake a claim for money that I supposedly owed them. In return, they did n't come to court. Therefore, on XXXX XXXX, XXXX the case was dismissed. The docket number was XXXX. This case was submitted to the XXXX XXXX XXXX New Jersey XXXX XXXX - XXXX XXXX. It continues reporting on my credit report as money owed to them as of XXXX/XXXX/XXXX. 

Also, I requested that XXXX XXXX XXXX also be investigated because I never received any papers saying that I was late and owed them the amount of {$710.00}. This company is still reporting on my account as derogatory as of XXXX/XXXX/XXXX. I wanted Experian to investigate and possible give the appropriate findings on this account as well. 

Your consideration will be greatly appreciated. My phone numbers are XXXX or XXXX. My email is XXXXXXXXXXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Got charged with three XXXX XXXX dollar fees one reversed the others stay I didn't sign up for overdraft protection they said its included they refuse too refund the rest of fees of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Elan financial ) is showing up in my credit report in hard inquiries. I do not recall authorization for this application. Do n't have much information regarding this because I did n't apply for this account.
Product: Checking or savings account

I an out of town I 'm a   XXXX   no ATM deposit in  XXXX  current in  XXXX  same thing heading To  XXXX  and I had my daughter deposit trying to avoid bank fees now  Wells Fargo g ave me  XXXX  {$35.00} fees and they are telling me the bank will not allow them to credit my account I 'm a loyal customer too
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account removed from your file Between XX/XX/year> and XX/XX/year>, your account account with XXXX XXXX XXXX was removed from your credit report. 

Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 

I did not authorize XXXX XXXX XXXX to be removed.
Product: Credit reporting or other personal consumer reports

This serves as a formal request for reinvestigation and permanent removal of inaccurate information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

This is regarding my previously disputed accounts, which remain inaccurately reported despite my previous dispute filed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX regarding this persistent issue, yet it remains unresolved. 

Furthermore, I filed an FTC Identity Theft Report ( XXXX XXXX XXXX XXXX  ) on detailing how these accounts are fraudulent and a result of identity theft. Despite this, the credit bureau continues to list these accounts as " verified '' without providing any supporting documentation of verification, as required by FCRA 1681i ( 7 ). 

Failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). I have acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and the urgency for prompt resolution. 

The continued reporting of this inaccurate information directly violates my rights under FCRA. Specifically, FCRA 611 ( a ) grants me the right to have inaccurate information removed from my credit report. FCRA 604 ( a ) ( 2 ) outlines the credit bureau 's obligation to conduct a reasonable investigation upon receiving notice of disputed information. FCRA 1681i ( 5 ) ( A ) mandates the prompt deletion of inaccurate or unverifiable information after reinvestigation. FCRA 1681s-2 prohibits the furnishing of information that the furnisher knows or has reasonable cause to believe is inaccurate. FCRA 605B ( 15 U.S.C. 1681c-2 ) provides specific protections for victims of identity theft, requiring credit bureaus to block information resulting from identity theft upon proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A deleted XXXX XXXX account was rereported to my experian credit report without notification within 5 business days. Report number XXXX deleted XX/XX/2019 and re added XX/XX/2019 i was not notified of the update until XX/XX/2019.
Product: Debt collection

I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : XXXX Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX XXXX XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent bankruptcy with all the credit reporting agencies including with the court of Bankruptcy and the public records office of XXXX. The court and XXXX sent me a resolution after a thorough investigation that and confirmed with their records that I have been a victim of identity theft and the fraudulent bankruptcy must delete from all the credit reporting agencies. However, the bankruptcy yet is being reported by none other than the XXXX XXXXredit reporting agency falsifying their claims that the bankruptcy is accurate. I have documents that support my claim from the court and the public records office. Yet, XXXX, Experian, and XXXX refuses to file for a removal of this fraudulent tradeline out of my records and claim the court records are inaccurate or sometimes they claim they are " investigation '' or " disputing '' and when the status of the dispute is checked online, they haven't taken any actions. The mentioned credit bureaus must face immediate disciplinary actions set by the law for filing/reporting inaccurate information on the consumer 's credit report. They have the duties of reporting accurate information and once the data furnisher claims the error and informs them to be removed or informs the consumer that the data furnisher was inaccurate with their reporting. The credit bureau must revise the reports under applicable law of the United States of FCRA Subsection 605 ( B ). This complaint is directed to all the credit bureaus that are neglecting in their duties and ruining consumer 's credit reports which their negligence costs us our financial credibility.
Product: Checking or savings account

I found a job through indeed and they told to make a deposit to my account for I can buy the equipment for the job and I did that and the bank closed my account and when I called In and talked to the bank they told me it was a scam and because it was scam there was nothing they can do about it even if I paid what was owed on the account from the available balance it gave me and I feel like that is I care because I didnt know and because my account was just opened a few months ago she said that was the main reason why I couldnt get my account back and Im really upset cause I was going to use that account for daughters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the Credit Bureaus/Agencies ( XXXX and TransUnion ) and the Creditors ( XXXX, XXXX Auto, XXXX/XXXX, US Dept ED, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>24, PayPal erroneously debited my account {$75.00} ( Case ID XXXX ). This relates to a dispute I filed with my BANK, and my BANK sided in my favor and replenished the disputed funds to my credit card account. I paid for this transaction at XXXX ( transaction ID XXXX ) via PayPal, but it was fully funded by my bank/credit card, NOT my PayPal balance XXXX The email from PayPal claims I received a " duplicate credit, '' which is not accurate. XXXX failed to refund me for some of the items I returned ( XXXX XXXX XXXX ( XXXX oz. ) ; XXXX XXXX XXXX XXXX XXXX XXXX oz ), hence the dispute I filed ( again, with my bank ). My bank sided with me in the dispute and issued the {$75.00} refund/credit to my credit card account. These funds never belonged to PayPal ; they were merely processed by PayPal when I placed the original order. 

I owe PayPal {$0.00} and no debit should ever have been taken. As such, the full debit must be reversed. The funds for this order came from my bank and therefore this is an issue exclusively between me and my bank, and was resolved by XXXX as such. 

This is not a valid or legal debit. Again, the funds came from my bank and my bank reinstated them as a result of the dispute process. 

PayPal has since illegally taken {$15.00} and {$7.00} of payments I received against this erroneous debit. Those funds were legally mine and not PayPal 's to seize. The {$22.00} PayPal illegally stole from me should have been accruing interest in my high-yield savings and/or investment accounts for months. Again, I owe PayPal {$0.00} and no debit should ever have been taken. As such, the full debit must be reversed and my {$15.00} and {$7.00} payments, plus at least 4.5 % interest, must be re-distributed to me. 

I have attempted repeatedly to resolve this issue directly with PayPal, to no avail. I have asked numerous times for evidence of the double-credit for the returned items about which the dispute was filed. They have not furnished such evidence, nor can they because I was never credited twice for the items about which I filed the dispute with my bank.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$580.00} XXXXXXXX XXXX XXXX XXXXXXXX {$860.00} XXXX XXXX XXXX - XXXX {$860.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$470.00} XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is willfully & recklessly reporting false information. 
They are continuously reporting errors and failing to investigate or correct the errors. 
I ask that they re-investigate the last delinquent date on my account ending in NY CHILD Support NFC ( XXXX ) Upon close review of the documents, I provided they can see that its been over 7+year ago However, they refused -Instead they chose to re-age my account, and is now reporting that my account was late and my last delinquent dates is now XX/XX/2019 Its unfair how this Consumer reporting agencies ( Experian ) has the right to Violate my rights and report outdated negative informations And to make matter worse, they re-age my account. To reflect my last delinquent date to be XX/XX/2019. 
In most cases, the ( FCRA ) clearly states that a consumer reporting agency may not report negative information that is more than seven years old. I clearly meet that requirement of the 7years. I also truly believe that there was no investigation and If so how did you reach this conclusion to re age my account.
Last, but not lease, how do they closed account and it become late after its been closed? I can see account being open then being late -But account that was closed for 3 years and sent to collections being late after its been closed sound like Truly unfair practices if you ask me?
Product: Checking or savings account

About a year ago an individual was withdrawing money out of my personal and business accounts at Huntington Bank. I closed out all of my accounts at Huntington Bank and opened business and personal accounts at XXXX in XX/XX/year>. On XX/XX/year> money was withdrawn out of my personal bank account and also my XXXX XXXX XXXX phone account was hacked, and a phone line was added to my family plan. On XX/XX/year> {$7500.00} was withdrawn from my business account from a XXXX branch in XXXX, PA and my SIM card was deactivated, and a new SIM card was given to that individual at an XXXX XXXX XXXX store in XXXX, PA. The account owners email was changed and the password was changed as well.
Product: Checking or savings account

I do not remember the dates and my husband shredded the banking records last year but we had some fraudulent charges on our account and weren't reinstated for the amount of fees taken out of our acct with Wells Fargo XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report its has been over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized hard inquiries on my credit report, as I am a victim of identity theft. These inquiries were made without my consent or knowledge and are the result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that you immediately remove the unauthorized hard inquiries from my credit report. As per the provisions of the FCRA, victims of identity theft have the right to have fraudulent information removed from their credit file. 

The unauthorized hard inquiries I am disputing are as follows : Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : 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

Equifax continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy ) despite repeated disputes that I have made. They keep saying they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the list accounts below of has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681 XXXX. XXXX XXXX Bank : Acct : XXXX XXXX XXXX XXXX Bank XXXX Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX XXXX XXXX XXXX : Acct : XXXX XXXX. XXXX  XXXX : Acct : XXXX XXXX. XXXX XXXX Bank Acct XXXX XXXX XXXX. XXXX XXXX Bank XXXX Acct : XXXX I have had a chance to review my Experian Credit Report on XXXX the XXXX 2024 and notice some discrepancies, and things that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reports relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 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 incorrect or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Thank you sincerely XXXX XXXX
Product: Mortgage

I was negotiating with them about loan modification. Also, I was trying to dispute {$1300.00} they charged for insurance. I faxed the insurance policy a few times, but they told me they haven't received. In end of XXXX, they told me to provide the insurance policy. XXXX, I faxed the policy again and tried to tell them that I faxed the insurance policy again and kept asking to lower the interest rate. ( 5.375 % I have ) I also made sure not to foreclose my house. All the representatives I talked told me they won't foreclose. Then, they suddenly foreclosed my house. I asked them why? I was very late for the payment, but they were willing to do loan modification and I was negotiating. Then, they gave me another chance and told me to make two months payments by XXXX. They told me to XXXX the money from XXXX. I made sure if they accept the payment even last day. They said they will take if I go to XXXX on XX/XX/XXXX. I went to XXXX ( XXXX XXXX XXXX XXXX ) to XXXX  the money before XXXX but I was told that they only can do up to {$500.00}. I called Selene Finance and asked what to do. There was no supervisor and I was told to call back tomorrow morning. I kept asking if there's any other way to make payment. She said wiring takes 24-48hours. I was never told about wiring before. All I was told was to send by XXXX from XXXX. I was on the phone for XXXXminutes. The representative just told me to call back next morning. I called next morning and asked a way to make payment. But I was told they won't take payment anymore and they won't stop the foreclosure process unless I pay reinstatement. Yesterday, they emailed me a reinstatement quote for a wrong person. They sent me another quote next day and it says {$90000.00}. I could have stopped foreclosure last month if I was able to pay {$4400.00} by XXXX and I brought that money. I tried to dispute but the customer service blocked and rejected my email. Now my house is going to auction on XXXX. Please Help!!!
Product: Credit reporting or other personal consumer reports

The institution violated The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ; and also 5 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers RIGHT TO PRIVACY.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need my written consent to add anything to my consumer report I did not give this institution authorization ; that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) even stricter as it states that any agency can only get my report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). WHICH WAS NOT DONE!
Product: Debt collection

I am getting telephone messages about " personal business '' from XXXX for a month. Calls come twice a day. They are robocalls. I am not aware about any debt that I own as I pay all my bills on-time and never received any paperwork from missed payments from anyone. I called the number back on XX/XX/XXXX and was told that my number is not registered in their database. However, the calls are continuing to come. Even today, Sunday, XX/XX/XXXX, I received 2 calls. When I called back, the message is that the business is closed.