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

Formal Complaint to the U.S. Consumer Financial Protection Bureau ( CFPB ) : To the CFPB, I am filing a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by refusing to investigate and resolve a dispute I submitted regarding inaccurate information on my credit report. This refusal constitutes a clear breach of Experians legal obligations under the FCRA and has caused me significant harm. 

Details of the Violation : On XX/XX/year>, I sent a certified letter ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian containing the following : XXXX. Notarized documentation from XXXX XXXX XXXX XXXX, notarized on XX/XX/year>, verifying the inaccuracies on my credit report. 
XXXX. A copy of my government-issued ID, Social Security XXXX XXXX and a recent utility bill to verify my identity. 
XXXX. A formal request for an immediate investigation into the following accounts, which contain inaccurate information : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  Experian received my dispute on XX/XX/year>, as confirmed by the USPS e-receipt. Under Section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ), Experian is legally required to conduct a reasonable investigation within 30 days of receiving a dispute. However, on XX/XX/year>, Experian informed me that they would not honor my dispute or conduct an investigation. This refusal violates the FCRA, as Experian has until XX/XX/year>, to complete the investigation. 

Legal Violations : Failure to Investigate ( 15 U.S.C. 1681i ) : Experian is required to conduct a reasonable investigation into disputed items and correct or delete inaccurate, incomplete, or unverifiable information. By refusing to investigate, Experian has violated this provision. 
Failure to Provide Proper Notice ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : If a dispute is deemed frivolous or irrelevant, Experian is required to notify me in writing within five business days, explaining the reasons for their decision. No such notice was provided.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer credit reports. Experians refusal to investigate suggests a failure to adhere to these procedures.

Harm Caused : Experians refusal to investigate these inaccuracies has caused me significant harm, including : 1. Denial of Credit : I have been denied credit opportunities due to the inaccurate information on my report.

2. Higher Interest Rates : The inaccuracies have negatively impacted my credit score, resulting in higher interest rates on loans and credit cards. 
XXXX. Emotional Distress : The stress and frustration of dealing with Experians non-compliance have caused me significant emotional distress.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I believe this repossession is inaccurate and should not be included in my credit report. The reason for my dispute is I never received a right to redeem letter. Here is the account on my experian report XXXX XXXX XXXX XXXX
Product: Credit card

Contacted USbank Employee Staff ; XXXX, XXXX/XXXX/XXXX because USbank website DOES N'T allow complaints. USbank denial & refusal to resolve ACCOUNT FRAUD & EMBEZZLEMENT of my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Called US Bank ; XXXX, Spoke to US Bank Employee ; MEAN/HATEFUL OLDER WOMEN, She was n't grossly incompetent, She was DELIBERATE in HER ACTIONS to SEIZE OVER {$150.00} ( One Hundred & Fifty Dollars ) of OVER-PAID CREDIT CARD PAYMENTS with False UnTrue Statements. 
US Bank Supported the Confiscation and Seizure my REFUND DENIED TO ME. 
US Bank Employee ; MEAN/HATEFUL OLD WOMEN, Disgruntle, Argumentative, Distorted the Facts, and made False Allegations ... She was Typical US BANK Bureaucrat. ( see attachment Letter )
Product: Vehicle loan or lease

I purchased a car from the XXXX XXXX XXXX XXXX in the summer of 2018. The debt stared reporting in XXXX of 2018. The finance company is Credit Acceptance. The problem began when i fist purchased the car. I was told that my trade in was being taken. I left the car that i traded in at the dealership only to find out later that i had been deceived by the sales person and the finance person. The car i traded in was never paid off. Two weeks later i got a call from the lender that i had the loan with telling me i was late on my payment. I called the dealership and found out that my old car was towed as if i just left it there. I ended up with two car notes. The dealership was notified as soon as i got a call from my lender about the car that i thought was traded. I also notified my new lender about what happened. Neither the dealership nor my new lender took any action to rectify what happened. Now i have multiple late payments on my credit report and i also was burdened with two car notes for two years. I want to purchase a home now but my credit is wrecked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the EQUIFAX was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Product: Credit reporting or other personal consumer reports

This is in reference to CFPB XXXX I have recently disputed a late payment entry on my credit report related to my account with XXXX XXXX XXXX  XXXX In response, XXXX XXXX  has replied with multiple transactions, which they deemed Late. The multiple entries, reported as a late payment, does not comply with the Fair Credit Reporting Act, specifically 15 USC 1681a, which directly pertains to the EXCLUSION of certain types of information from consumer reports.

According to 15 USC 1681a, " transactions '' or " experiences '' between the consumer and the person making the report are EXCLUDED from the consumer report. The reported late payments fall under these categories, as it is a transaction or experience directly between XXXXXXXX XXXX and myself. 

Here is the specific clause for reference : 15 USC 1681a ( 2 ) ( A ) ( i ) : The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Given this legal provision, the reported late payment SHOULD NOT be included in my credit report. XXXX XXXX is intentionally violating the FCRA by furnishing this entry every month. I kindly request the CFPB investigate this matter and remove the incorrect late payment entry from my credit profile. 

I appreciate your prompt attention to this matter
Product: Credit card or prepaid card

I filed a complaints with American Express bluebird for not refunding me on a purchase through XXXX and now they purposely over-drafting my account with no proof of new transactions. Its over drawn by {$13.00} on XX/XX/2021 at XXXX
Product: Credit card

I called the company several times and no one would help me. Three weeks ago they said it was closed and under investigation. Then the amount went from {$95.00} to {$140.00}. I never received this card and never used this. I called to just pay it off and they wouldn't let me. I tried talking to a manager but they hung up. I called back and got an email to send them the issue and pay and have not received anything back. I'm trying to get a house and this company popped up on my credit report. Since I never received or used the card they still wouldn't help me. Even though they are in the wrong I just wanted it off my credit report. 
Avant is the name of the company and my wife looked up and saw there have been many complaints
Product: Credit reporting or other personal consumer reports

I am contacting the CFPB regarding my XXXX XXXX XXXX account , which was included in my bankruptcy filed on XX/XX/XXXX, and discharged on XX/XX/XXXX. As this debt was legally discharged, it should not reflect a balance or past-due status on my credit report. 

On XX/XX/XXXX, I filed a dispute with Equifax regarding the inaccurate reporting of this account. Equifax responded with the following statement : * '' We have researched the credit account... The results are : The following fields have been modified : * - *Additional Information* - *Date of Major Delinquency First Reported* - *Historical Account Information* '' The **balance amount** and **amount past due** are still incorrectly listed. Additionally, the **date of first delinquency** was changed to XXXX XXXX, XXXX, which is XXXX  days before I filed for bankruptcyan inaccurate and false entry. The account status also remains ** '' charge-off, '' ** which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I kindly request that this account be updated to accurately reflect its discharged status, with a {$0.00} balance and no past-due amount. Please correct this error promptly and provide written confirmation once the changes have been made. 

If this issue is not resolved, I may need to escalate the matter further. Please let me know if additional information is required to facilitate this correction. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. 

XXXX XXXX XXXX XXXX - {$0.00} - TRANSUNION DELETE IT FROM MY CREDIT REPORT TODAY! 


In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has XXXX XXXX XXXX XXXXn my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want TransUnion to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

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

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

Your lack of proper investigation and continued inaction is also a violation of this provision. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that failure to investigate disputed information in a consumers credit report could result in liability under the FCRA. Given your ongoing noncompliance, you are liable for damages caused by the continued inaccurate reporting. If these errors are not corrected within the next 15 days, I will have no choice but to invoice you for damages of {$1000.00} due to your continued failure to comply with the FCRA. 

" SEE ATTACHED DISPUTES ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : 1. Date of First Delinquency The first date that the account became delinquent.

2. Date of Last Payment The most recent payment made on the account.

3. Date of Charge-Off The date the account was charged off.

I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Debt collection

On the first contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX XXXX XXXX XXXX on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my Experian credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXX XXXX and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.
Product: Student loan

I was told by a navient representative that if I made XXXX on time payments and sent in all the proper information that I could get my co-signer released. I've made these on time payments. Last XXXX there were fires in California where I live. I got a message from Navient saying that because of the fires they were giving a disaster relief forbearance. I called them to make sure this wouldn't effect my co-signer release and I'd be able to keep my XXXX consecutive payments with no problems. They assured me it wouldn't effect me negatively. Fast forward to now. I sent them all my tax info, my diploma and proof of citizenship. My XXXX payments have been made and now they're telling me that I do not qualify because last XXXX there was a late payment. My loan history shows nothing of a late payment and this is contradictory to what I was told when I called in to make sure I'd be ok if I accepted the disaster relief. I'm stuck and they are not helping. I've been paying on these loans for 16 years, I just want my co-signer released. Please help
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion.

Please delete the following accounts XXXX XXXX BALANCED {$1200.00} XXXX XXXX XXXX  BALANCED {$5300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2100.00} XXXX XXXX XXXX  BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 



Account : XXXX Account : XXXX  Removed as a collection but Shows as a closed Account on my credit file. 
Account : XXXX  XXXX Removed as a collection but Shows as closed and reports a late Account : XXXX XXXX  Removed as a collection but Shows as a closed Account on my credit file.
Product: Money transfer, virtual currency, or money service

Someone went through cashapp to take out a {$5000.00} loan. They got approved for the loan, but needed to get and put it in cashapp to solve the problem. This was attempted last year around XXXX or XXXX time frame.
Product: Credit reporting

In 2007 While I was being treated for XXXX XXXX My Identity was stolen and my credit cards were stolen I reported it to all of my creditors as soon as I became aware of what was going on However none of the creditors were willing to help. Instead they reported and sold the accounts to collection agency 's. The collection agency 's have seine sold the paper to other collection agency 's. I disputed the the debts with the credit reporting agency many times the dates are inaccurate the accounts are over seven years old They were caused by Identity Theft and I did not benefit in any way. I locked my credit report for several years I have been unable to resolve the issue with the credit reporting agency. Mean while I have been harassed and threatened by the collection agency 's I am on SS XXXX and have been for over seven years. This has caused me great hardship as I can not even qualify for an apartment to live in. All of my Student loans have been discharged yet the reporting agency continues to report them as in collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXXXXXX 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  has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions