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

I am writing to formally request the removal or amendment of inaccurate and unverifiable items currently listed on my credit report maintained by Experian that was disputed and never taken off. This request is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Experian has failed to meet its legal obligations under the FCRA, specifically with respect to conducting a reasonable reinvestigation of disputed information on my credit report. Despite providing Experian with clear evidence disputing the accuracy of these accounts, they have neither corrected nor removed the inaccurate or unverifiable information. This ongoing failure has caused significant and unjust harm to my credit standing. 

Additionally, I bring to your attention that the CFPB has recently filed a lawsuit against Experian for systemic issues such as : Failing to forward consumer-provided evidence to furnishers ; Accepting unreliable responses from furnishers ; and Failing to adequately notify consumers of dispute outcomes. 
These documented failures by Experian align with my experience and highlight their persistent noncompliance with federal law. Their continued inaction violates my rights under the FCRA, which entitles me to accurate and verifiable credit reporting. 

I respectfully request that the CFPB take immediate action to enforce Experians compliance with the FCRA in my case. Specifically, I am seeking : The immediate removal of all inaccurate and unverifiable items on my credit report. 
Confirmation that Experian has conducted a thorough and reasonable reinvestigation of the disputed items. 
A clear and timely explanation of the actions taken regarding this matter. 
Failure to resolve these issues constitutes a violation of federal law and leaves me no choice but to pursue all available remedies to protect my consumer rights. 

Please find attached all relevant documentation supporting my claims, including evidence previously submitted to Experian during the dispute process. 

Thank you for your prompt attention to this matter. I trust that the CFPB will act decisively to ensure compliance with the FCRA and protect consumers from Experians ongoing violations
Product: Student loan

XX/XX/XXXX. I launched a complaint against Nelnet for continuing to misreport the student loans that were transferred by the XXXX XXXX program as delinquent. The last updates to those accounts were from XXXX and XXXX. The last update was that they were delinquent. As per the XXXX XXXX policy program, those loans should have been reported as current and the credit reporting agencies were supposed to be asked to stop reporting the default/delinquency. Neither of those things happened. Despite the loans being listed on Nelnet 's website as either ok or in deferment. They continue to report the older loans as delinquent. I have been denied private student loans and other loans because of the number of delinquent student loans I have on file. This is unacceptable. 

How can loans that are paid/transferred be currently delinquent? How can any student loan be delinquent when I'm in school full-time and have a deferment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have letters to Mariner finance asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.
Product: Debt collection

I am writing to dispute the accounts on my credit report that are a result of identity theft. I have recently discovered that my personal information was compromised, and as a result, these accounts were opened fraudulently without my consent. The accounts in question are : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$610.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I want to inform you that I have already reported this incident to the bank, and they have agreed to remove the accounts from my credit report. I request that you remove these accounts immediately from my credit report as well. I am deeply concerned about this situation and fear that this may happen again in the future. I request that you take all necessary steps to prevent this from happening again and inform me of the steps taken. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 States rights to consumer privacy Reporting agencies cant furnish a account without my written consent
Product: Checking or savings account

My bank current. The account numbers and routing numbers have been compromised and my bank refuses to protect my funds now i am negative {$3500.00} and will not return my funds for non authorization of purchase. I would like to sue if possible.
Product: Credit reporting, credit repair services, 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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: Bank account or service

Have not received bonus yet. Reps from bank can not add the numbers and I have met all the requirements for bonus. No real answer or time frame.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's necessary for us to eliminate any erroneous entries from my credit report. Can you verify the papers? Several accounts listed are not reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, disputes letters were sent to XXXX, Transunion, and XXXX requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. Transunion failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated Transunion Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated
Product: Money transfer, virtual currency, or money service

Coinbase Case # XXXX - Can not View XXXX Opened a support case on XX/XX/XXXX. The issue had been going on for a week or more. Using the app, I can see my balance but when I try to look at my portfolio breakdown, it pops up with a message " We're having connection issues please try again later ''. I have not been able to access my funds for nearly three weeks! 

Support has been no help at all, can't get help from a real human being. I have over $ XXXX in Coinbase that I can not touch at this time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date: XXXX XXXX, 2017Report # XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Never lived at this address. This is not my address. Wrong information by Experian.
Product: Debt collection

Hello my name is XXXX. I am XXXX years old and I live in New York. When I was XXXX my older brother and I went to a {$30000.00} College in XXXX called XXXX XXXX.4 years ago I got a job as a XXXX. About two years ago I started getting garnished by a company called XXXX and XXXX for my private student loan which was XXXX. To make matters worse I find out that my brother 's Federal College loan I am being charged for. Navient owns my private student loan which was XXXX and they also own my brothers Federal {$30000.00} student loan but they both are being charged to me. so I'm now being charged XXXX for the private loan ( being garnished for that ) and I'm losing my tax return on for my older brothers federal student loan for XXXX that I didn't co-sign for and didn't have the ability to due to the fact that I was not working and I was only XXXX years old. As for the private loan that I took out for my XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX NY, I could not afford to repay the loan when it was originally obtained. 
I was misled about the loan. 
The credit provider knew or ought to have known that i did not understand what was happening and took advantage of me
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/XXXX and noticed 11 inquires on equifax and XXXX credit report I didn't authorize.i request equifax and XXXX to verify that I didn't ask for credit with following creditors and to remove them immediately and they didn't delete them from my report 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 I asked for proof and the didn't verify the inquires and they are violating fcra code ( 15 u.s.c 1681 ) sec 602 my right to privacy.There is a need to insure that consumer reporting agency 's excercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy. ( 15 u.s.c 1681 s-2 ) reporting information with actual knowledge of errors. A person shall not furnished 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.please delete these 11 inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

- XX/XX/2018 Tried to place a security freeze with - XX/XX/2018 Received response from Early Warning stating that since they are a specialty agency that they don't have to place freeze - Sent a dispute for various accounts dated XX/XX/2018 have yet to receive a notice or results or an updated copy of report
Product: Credit reporting, credit repair services, 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 confidentality under 15 USC 1681 Account name XXXX Residential # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  XXXX  # XXXX. Account name XXXX XXXX and associate # XXXX, XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX have violated my rights. 

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 repporting agency may make any consumer report containing any of the following itemsof information. Any other adverse item of information other than records of convictions of crimeswhich adates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX, IN XXXX My name is XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have a 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 purpose.
Product: Credit reporting or other personal consumer reports

I notified the credit bureau ( XXXX ) along with the XXXX companies XXXX XXXX XXXX XXXX dating XX/XX/XXXX, Ally Financial dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  dating XX/XX/XXXX ) that I am a victim of identity theft and that my credit profile has been compromised. I provided them with proof of FTC Identity theft report along with a notarized letter stating such, along with a copy of my driver license and social security card. They have yet to remove these Inquires from my credit report.
Product: Credit card

Someone used my Wells Fargo Visa card fraudulently and charged XXXX on the card without my permission while I was away in Florida. Wells Fargo contacted me to advise me that a XXXX Police Detective had contacted them to advise them that they arrested someone in possession of my card and that I need to contact this detective for further information, which i did. Afterwords I contacted Wells Fargo to file a fraud claim. They denied my claim stating that I had called them from a verified number to confirm certain transactions. I told them I never called them. I sent them copies of my phone bill showing I never called them. I sent them the police report. Then they said my voice was confirmed to match the voice that called to verify charges previously. I again advised them I never called them for any reason. They stated I called from this number XXXX. This is not my phone number. Now I am stuck with this XXXX bill which they refuse to dispute.
Product: Credit card

Timely payments on this account have always been a priority for me, ensuring they are never past due. I'm unsure why there are mentions of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.
Product: Mortgage

On XX/XX/XXXX, I contacted Wells Fargo ( XXXX ) regarding the change from suspended to active foreclosure status on my home. The mortgage had been in suspended foreclosure since XXXX of 2018. I was offered the opportunity to submit a request for what would be my sixth request for a loan modification over the last two years. I agreed and after transfers to the loss mitigation department, then to the escalation department I was advised that I was not considered for a modification because they had determined that I did not live in my home. No additional requests for information were made since the last review in XXXX of 2018 when I submitted a copy of my drivers license, insurance policy, utility bills, bank statements and personally met with an appraiser who came to inspect the property. I live in my home, this is my only residence. My case has been sent to the escalation department where it is currently being reviewed for modification eligibility. They again request proof of residency in the form of mail, which was forwarded two weeks ago. I have yet to receive a response which was promised on the XXXX day of XXXX. My foreclosure is set for XX/XX/XXXX. I would greatly appreciate assistance in determining exactly why my claims have been denied and finally be granted the consideration I deserve as a permanent resident in my home.
Product: Credit card

XX/XX/year> I charged XXXXXXXX XXXX XXXX XXXX XXXX  on Bank of America credit card in the amounts of {$190.00} ( weight loss ) and {$59.00} ( detox ). I found the extreme weight loss claims and ads to be fraudulent. I have been in contact with both BOA and the merchant multiple times but the merchant only refunded {$59.00} and not {$190.00}. Stating first " merchandise was not received '' even though they would not provide me the address ( stating since I disputed with credit card company they couldn't help me ) so I returned merchandise ( when I received address from BOA ) and was told dispute denied as " I did not follow return policy by getting XXXX ). I notified BOA to close this credit card. 
Since XXXX ( last denial for dispute by BOA ), I have received {$110.00} in late fees, most recent {$39.00} for past few months. 

I have filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX with FTC so this complaint is against BOA for continuing to charge exorbitant late fees on a card I have closed. I advised them this was a scam and I was reporting the company to XXXX  and any other agency I could find for " fraudulent advertising ''. Furthermore, my credit score has been affected dropping from XXXX High to under XXXX. 
Please stop BOA from collecting any and all monies relative to this credit card.
Product: Credit reporting or other personal consumer reports

I was a customer of XXXX XXXX XXXX in 2022. I held an auto and a renters insurance policy with XXXX XXXX XXXX. This policy was a company discounted policy through XXXX XXXX and this policy was being paid through payroll deduction. When I renewed my policy in XXXX of 2022, I was informed that XXXX was late on payment for my policy insurance policies with XXXX XXXX at which time, I made the payment. At this time I asked the rep who'd been renewing my policy to place a notation on my account to contact me via email and/or phone if payment is late by more than one day. I went further to explain that I am also a truck driver and being so, there are times I make a living on my drivers license driving over the road. Being so, there is never a time I can operate a vehicle without insurance and being over the road doesn't always allow me to collect my mail in a timely fashion, thus the reason I requested XXXX XXXX XXXX contact via email and/or phone. On XXXX I filed an auto claim with XXXX XXXX XXXX, on XXXX XXXX XXXX XXXX considered the vehicle a total loss, and on XXXX Liberty Mutual paid out the claim for my vehicle. I specifically mentioned this claim because nearly all communications between XXXX XXXX XXXX and myself regarding this claim was done so via email. On XXXX I recieved a bill from XXXX XXXX XXXX " via email '' totaling {$810.00} at which time I called XXXX XXXX XXXX because there must be some mistake. Upon contacting XXXX XXXX XXXX I was told by the rep that XXXX had not made a payment on my policy since XX/XX/year>. I was also told that XXXX requested the policy canceled in XX/XX/year>. Neither XXXX nor XXXX XXXX XXXX contacted me regarding this matter prior to XXXX. I went on to ask why XXXX XXXX XXXX waited all this time to contact me and I was told " they aren't allowed to contact the customer ''. After several calls to XXXX XXXX XXXX, no adjustments, no payment arrangement and no relief from their error the policy was canceled. XXXX XXXX then sold the debt to a debt collections agency for the entire amount of the policy term as if they hadn't received any payments on the policy which is currently on and negatively impacting my credit report scores. Conclusion : As a customer responsible for any debt, it is not an unreasonable expectation that a debtor would abs should notify the customer of any outstanding balances in a timely fashion. I don't believe waiting 5 months to contact a customer regarding deliquent payment is at all reasonable or even good business for that matter. I have a 100 % ontime payment history for all accounts reflected on my credit and I never utilize more than 30 % of my available credit. All this was thoroughly presented to XXXX XXXX XXXX and Equifax to no avail.
Product: Credit card or prepaid card

Fidelity Rewards Visa failed to protect me against a predatory and unethical merchant charging me for services not rendered, improper billing, damage to my property, and misrepresentation. Fidelity Rewards Visa is the branded credit card of Fidelity Investments and is operated by Elan Financial Services. Detailed complaints were sent certified mail to the credit card company on XX/XX/2019 and XX/XX/2019. The complaint was handled by a staff member who was not qualified to handle the complaint, never returned my phone calls, and accepted the merchants position despite thorough documentation supporting my dispute. The letters sent to me by Fidelity Rewards Visa failed to describe the resolution or the facts supporting the resolution. The result was a loss to me of {$1400.00} to a merchant who continues to prey on the public and stands to lose their license to operate as a result of their unethical behavior. Despite numerous phone calls to the credit card company to escalate the dispute to a supervisor, the supervisor has never made a serious attempt to contact me. Representatives of the credit card company make cursory calls but never leave a message so that they can document their internal files that an attempt was made to contact me. The failure of Fidelity Rewards Visa to protect its consumers is systemic and needs to be investigated.