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

I am writing to file a formal complaint against Experian, XXXX and XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with Experian, XXXX and XXXX because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian, XXXX and XXXX has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : 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 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 XXXX. 
In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number isXXXX. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>2024, I sent a formal dispute letter to Experian, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of Experian, XXXX and XXXX to comply with the FCRA. Ensure that Experian, XXXX and XXXX either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by Experian, XXXX and XXXX. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX.Any correspondence between myself and Experian, XXXX and XXXX regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnish evidence to me accepting unreliable responses, and failing to adequately notify me of the dispute 's outcome. This fails again with my experiences, where Transuion has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective actions to remove or amend the disputed accounts as Transuion 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I call Toyota Corp and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000.  I told them that the account amount was incorrect and I have proof, which is XXXX a letter from Toyota stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.
Product: Debt collection

TOOK MONEY FROM MY BANK ACOUNT JUDGE SAID IT PAIDED IN FULL
Product: Credit card

I have a credit score of XXXX and in my file I have a former bankruptcy. I have carried and used ( as an additional user on wife 's card ) American Express XXXX. I have had the card for XXXX years and always paid my balance in full. they refuse to issue me a card in MY name. I also carry an American Express through another company, XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally file a complaint regarding the inaccurate, unverified, and outdated information currently being reported on my credit reports by various creditors and collection agencies. As a consumer, I have the right to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), and I believe the information outlined below violates these rights. 

Addresses and Employers : There are multiple discrepancies and outdated information regarding my previous addresses and employers that need to be corrected or removed : Addresses : 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 These entries are either incorrect or outdated and need immediate correction or removal from my credit reports. 

Negative Credit Information : The following accounts are being reported inaccurately or without proper verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reason to believe that the creditors and collection agencies reporting these accounts have failed to verify the accuracy of the information, as required under FCRA Section 609 ( a ) ( 1 ) and Section 611. Additionally, I have not been provided with proper documentation to substantiate the validity of these debts.

Request for Relief : I am requesting that the CFPB intervene and investigate these matters. Specifically, I ask for the following : An investigation into whether the creditors and collection agencies have complied with their obligations under the FCRA.

Verification of all disputed information or its removal from my credit reports if verification can not be provided.

Correction or deletion of outdated and inaccurate personal information, including addresses and employers.

Please let me know if additional documentation is required to proceed with this complaint. I am prepared to provide any further information needed to support my claims.

Thank you for your attention to this matter. I trust that the CFPB will act to ensure that my rights as a consumer are protected. I look forward to a prompt resolution of these issues. 

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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries : XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Product: Vehicle loan or lease

I am writing to report a violation by Santander Bank in regards to the repossession of my vehicle. According to the Uniform Commercial Code ( UCC ) code, the bank is required to provide a post-sale letter to the debtor within 10 days of the sale of the repossessed property. However, in my case, I have not received such a letter from Santander Bank. 

Furthermore, the repossession of my vehicle by Santander Bank was conducted in a manner that was not commercially reasonable, in violation of section 9-627 of the UCC code XXXX Specifically, the vehicle was repossessed shortly after a car accident, when it was not possible for me to make the required payments. This conduct was not in good faith and was not consistent with the standards of fair dealing, as required by the UCC code.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED THAT XXXX, XXXX, AND TRANS UNION PROVIDE VALIDATION AND THEIR METHOD OF INVESTIGATION ON MULTIPLE TIMES AND NOTHING HAS BEEN DONE. I HAVE SENT VALIDATION THAT ACCOUNTS DOES NOT BELONG TO ME BUT IT HAS BEEN IGNORED. I AM AWARE THAT XXXX HAS BEEN SUED DUE TO SHAM INVESTIGATIONS IN CONSUMER COMPLAINTS AND I HAVE BEEN A VICTIM. XXXX HAS HAD DATA BREACHES WHICH HAS EFFECTED ME ALSO. I HAVE BEEN A VICTIM OF IDENTITY THEFT! I HAVE SENT IN POLICE REPORTS AND NOW I AM SENDING IN A FTC REPORT WITH HOPES OF RESOLVING THESE ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact Regions Band - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making report
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights.
Product: Money transfer, virtual currency, or money service

We were charged an unauthorized charge through PayPal. Transaction # XXXX, amount {$34.00}, XXXX XX/XX/XXXX. This charge came through a company in the XXXX, called XXXX Unable to communicate with them. There is a lot of activity with this consolidation company for unauthorized charges on the internet. In XXXX we paid a one time charge to XXXX for this amount. We never signed up for reoccurring payments. PayPal refuses to refund our money. There is some type of scam with these companies using XXXX to put reoccurring charges on our accounts. When I tried to communicate with XXXX, they just have an auto message service, no way to dispute the charge. I can find no authorization from XXXX that this was even charged. PayPal is not protecting their clients. Because they see an authorized charge from a year ago, they assume this new charge is Authorized. Please go after them, we are not the only people being duped by these automatic charges. We never signed up for reoccurring payments. If this is indicated, it is a scam by either XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - The XXXX and XXXX account numbers are not matching and are to be deleted. 
Per 1

5 U.S.C 1681c. ( a ) ( 5 ) delete record due to the high balance do not matching. I pointed out that record is inaccurate and per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer the reporting agencies do not have my written instruction to publish records.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Complaint is against. Trans Union Credit Bureau! I have had tons of problems with them. From XXXX to XXXX!! In XXXX they made a Claim, I was working at XXXX XXXX XXXX?? That info in XXXX, was totally FALSE!! I worked at XXXX XXXX XXXX From XX/XX/XXXX to XX/XX/XXXX ( my best estimate )! And I work there as a XXXX, then a WareHouse ( within the location I worked at only ), For a few months. Then returned to being a Cashier in the fall of XXXX and remained a XXXX. Until my resignation inXX/XX/XXXX After that Job I held jobs at i.e. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX / XXXX XXXX XXXX ( that job was from XX/XX/XXXX to XX/XX/XXXX )!! IThe other misinformation they have about me. Is that my Full Name is : XXXX XXXX XXXX XXXX That is totally false info, There is not XXXX, or XXXX in my name! My own father 's name is XXXX XXXX XXXX XXXX XXXX XXXX thus making him XXXX  years of age! And in XXXX, shortly after I moved from. XXXX Colorado and out of this address XXXX XXXX XXXX XXXX, CO XXXX. And was living on my own. At an address that I have been living at. Since, XX/XX/XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, CO XXXX. I tried three times to get a credit bureau report. From Trans Union. And was always sent a letter, stating I was declined. A Credit Bureau Report from them! Why is it Trans Union is punishing me like this?? XXXX  and XXXX  gave be a credit report. After I gave then these xerox copied documents : XXXX XXXX ID, Social Security Card, Copy of my Lease with The XXXX Apartments ( Now has been Re-Named : XXXX Apartment Homes ), and XXXX XXXX XXXX. I want an investigation brought forth. XXXX XXXX XXXX to resolve this matter!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and Experian for inaccurate and misleading reporting on my credit report regarding the following accounts : XXXX XXXX XXXX XXXX ( Account # : XXXX ) The account is inaccurately reporting multiple monthly charge-offs, which is misleading and creates the appearance of ongoing delinquency. A charge-off is a one-time accounting event and should not be reported repeatedly in subsequent months. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in reporting. 

XXXX XXXX ( Account # : XXXX ) Similar to the auto loan, this account also reflects multiple instances of charge-offs over several months, which is factually incorrect. This practice creates a false impression of my creditworthiness and further violates the FCRA 607 ( b ). 
Details of the Issue : Both XXXX and Experian have allowed these accounts to reflect repeated charge-offs monthly, creating the false impression of ongoing delinquency rather than a one-time event. 
This repeated reporting is misleading and damages my credit profile. 
Despite disputes submitted directly to both bureaus, these inaccuracies remain uncorrected, and no valid documentation has been provided to verify the accuracy of this reporting. 
Relevant Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was established that repeated reporting of charge-offs is misleading and violates the FCRA, as it misrepresents the account status and damages consumer creditworthiness. 

Resolution Requested : I request that both XXXX and Experian provide the method of verification used to confirm the repeated charge-off reporting, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
If neither bureau can provide accurate verification, I demand the immediate deletion of these accounts from my credit report under FCRA 611 ( a ) ( 5 ) ( A ). 
Desired Outcome : I am seeking resolution of this issue by either : Proper verification of the accuracy of the reporting ; or Immediate deletion of the accounts if no accurate verification can be provided. 
I request the CFPB to ensure that both XXXX and Experian comply with the FCRA and correct these violations promptly. 

XXXX reported that the account was deleted to CFPB but if is still reporting to my credit.
Product: Checking or savings account

I am XXXX getting so fed up I seen to be getting no help I have a son were In transitional housing it's just me and him we stay XXXX ca XXXX XXXX XXXX XXXX CA I am in need of help my social security and every thing I try and nothing I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  payout stimulus go 2 bank XXXX XXXX  acc everything is gone I think I fixed one problem I XXXX can't and haven't received no payments I am begging u please help me I don't know what to do I feel like XXXX cutting my XXXX throat I am struggling with my son please contact me XXXX I can provide valid id social I can't do video call please someone help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a freeze on my profile with Lexis Nexis in XXXX and XXXX. Lexis responded with a stall letter XX/XX/2023 and again on XX/XX/2023 that they wee n't able to to authenticate me. I provided them with a copy of my passport, current utility bill and SSN card. This is a violation of my privacy and rights under consumer law. LexisNexis seems to belive the law doesn't apply to them and they can bully consumers.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan I got approved for {$250.00} I paid back 315+300 of charges of my bank because they tried so many times {$35.00} every time it was rejected. Not far they just keep changing the bank. Cant find loan number anywhere.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX CARD Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity XXXX XXXX # XXXX {$3200.00} XXXX  XXXX # XXXX {$500.00} XXXX  XXXX XXXX {$2700.00} XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$500.00} XXXX # XXXX {$1700.00} XXXX # XXXX {$7800.00} XXXX # XXXX {$12000.00} XXXX # XXXX {$4300.00} XXXX # XXXX {$5900.00} and XXXX # XXXX {$8600.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.