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

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX Bank XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX of XXXX XXXX account XXXX account XXXX Equifax account XXXX XXXX XXXX  XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX FNB XX/XX/XXXX
Product: Credit card or prepaid card

There was a credit card opened in my name and the last name is spelled wrong. I have used XXXX XXXX  to dispute {$3200.00} credit for the last 4 years. This is Fraud due to the fact that the purchase were made in XXXX XXXX and it is 80 miles from my home. I have been receiving letters from Midland Credit Group and phone calls. They even have in the notes that I have been disputing this and now it is back on my credit report and receiving letters from this company. 

XXXX XXXX Midland Credit Management 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

Hello, I did not apply for a credit card for the company XXXX, I dont know how Experian doesnt do anything about helping me out. There is actually a couple of closed accounts that were opened in my name that is hurting my credit score bad. Ive tried calling the companys to dispute it and report fraud on those accounts and I was told they would take care of it but nothing has changed or helped. Ive been disputing them constantly on my Experian account and I cant get any type of support except saying that it can not change on my account. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I purchased our first home back in XX/XX/2018. We have made all of our payments on time every month ( the XXXX ). We made a payment for {$1500.00} at the end of XXXX ( which is showing received on XX/XX/XXXX ) but posted on XXXX from our checking account. XXXX Mortgage then took an unauthorized payment for {$150000.00} on XXXX that posted around XXXX. This caused our personal account to go overdrawn. We called and made them aware of the unauthorized payment and they requested bank statements more than once and we havent heard from them in days, so we called them. They needed MORE of the same documents. We also sent documentation showing proof of overdraft fees caused due to their unauthorized charge. Again days went by so we called again on XX/XX/XXXX ( first time being around XXXX when the unauthorized payment came out, then around XX/XX/XXXX ). They said on XX/XX/XXXX that the payment will be reversed for XXXX on XX/XX/XXXX and the overdraft fees on XX/XX/XXXX. We then called our bank to file a dispute because this was taking way too long and was causing more overdraft fees. They gave us the funds back with in 2 days. We then called Freedom mortgage because our account was showing NO PAYMENTS have been made for XXXX ( when two came out instead of one ) and they refunded the {$1500.00} as well when we only requested the XXXX. Due to their mistake AGAIN of refunding the wrong payment we received late charges. I spoke with a guy on XX/XX/XXXX that stated he will submit a request to have the late fees refunded due to their issue as well as the funds for XXXX were on hold with them so he would request to have them applied to our XXXX payment like they were supposed to be, but this was never done and we had to call again on XXXX due to XXXX payment being due. Once again we were told the request would be submitted. Then yesterday XX/XX/XXXX we received a notification that we were reported to the credit bureaus. We also went and made a payment for XXXX and XXXX plus the late fees just to avoid anymore fees or reporting. 

Our payments are due on the first of each month for {$1500.00}. We always make payments on time This place never had any idea what is going on and has us on hold forever to look through notes and they are so u professional. I will never use them again and may be looking to refinance with someone else already and it has only been 6 months.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Expeian credit bureaus must validate this tem in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX ...... Date Opened XX/XX/2017 XXXX {$710.00}
Product: Credit card or prepaid card

I have contacted Bank of America regarding fraudulent accounts opened in my name. I have never opened a credit card with them. XXXX was able to remove one of the credit cards from Bank of America from my credit report. When contacting Bank of America they tell me they are backlogged for 60 days. When contacting XXXX they tell me that they get their information from the creditor. Conflicting/confusing information. 100 % fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of an inaccurately reported late open account on my credit report. This is my attempt to address this issue, and I am becoming increasingly concerned about the lack of response and resolution. It is imperative that this error be corrected immediately to reflect my accurate credit history. Despite my previous three attempts to resolve this matter, this account continues to be inaccurately reported. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct inaccurate information on my credit report. This error is affecting my credit score and overall creditworthiness, which is unjust and unwarranted. Kindly assist me to conduct a thorough investigation of this account and correct the information immediately. I request that you provide me with written confirmation of the correction within 30 days of receiving this letter. Kindly help me correct this account for no more late payment : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7200.00}.
Product: Credit reporting or other personal consumer reports

My credit report includes errors under 15 USC 16c-2. I did not authorize the hard inquiries listed and request their removal to prevent further damage to my credit.
Product: Credit reporting or other personal consumer reports

These inquires on my report are not mines and are fraud. 


Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This bank collects overdraft fees even if the customer opts out of overdraft protection. They bully you if you do n't pay and want close your accounts.
Product: Credit reporting

WHAT IS THE XXXX LAW THAT SAYS XXXX CAN CONTINUE TO ADD MONEYS TO A CLOSED ACCT.? IT STARTED AT $ XXXX I OWED, REFUSED TO PAY BECAUSE THEY SOLD ME A DEFECTIVE COMFORTER, THEN ACCT. WAS CLOSED, MY CREDIT REPORT THEN HAS $ XXXX NOT PAID, THEN WENT TO $ XXXX NOT PAID, NOW IT 'S $ XXXX WHEN DOES THIS XXXX STOP? WHEN DOES XXXX GET REPRIMANDED, FOR THE LIES, UNTRUTH OF AMOUNTS ON MY CREDIT REPORT? I AM NOT PAYING WHAT I DO NOT OWE!! XXXX/XXXX/16 NEXT WEEK IT WILL BE EVEN HIGHER OF WHAT THEY ARE TRYING TO RIP-ME OFF FOR!!!!!!!!!!!!!!!!!!!!
Product: Debt collection

I got a phone call from a company which claimed that they were associated with Chase. They claimed that they would on behalf of me to negotiate with bank to reduce my interest rate. The company asked me about the credit card numbers, zip code and social security numbers. They used their system to tell me my credit card balance. I suspect this company is a cybercrime.
Product: Debt collection

XXXX at Continental Credit Control ( CA license # XXXX ) made deliberately false representation as to the dates I was sent invoices from the creditor to make me believe as if I had missed years worth of statements. I then called the creditor directly, and they confirmed the first bill was only sent 2 years after the date mentioned by XXXX ( and only 3 in total, contrary to what XXXX said to me ). This deceptive practice is completely illegal and irresponsible and this individual should be stripped of any license to work at a debt collection agency
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 30 days late XXXX XXXX XXXX XXXX 30 days late. XX/XX/2022 XXXX. Both card and they were paid on time. XXXX XXXX report been on my credit report over 7 years. It was never the correct balance this account should have been paid with the insurance but instead reported a higher balance. Not accurate and need to be removed off of my credit report
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian Information Solutions , Inc. regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their handling of an issue related to inaccurate consumer information, which is causing significant harm and adversely affecting my credit profile. 

Summary of Complaint : I initially contacted Experian to resolve two critical issues - Inability to Access Free Consumer Credit Profile : I was unable to access my consumer credit profile through Experians free credit report service due to incorrect identity information associated with my account. 

Incorrect Personal Information : My credit report contains inaccurate and outdated personal information, including : A mixed/merged profile, resulting in an address that does not belong to me. 
A commercial business address that is erroneously listed as my residential address. 
Upon contacting Experians customer service, I experienced significant challenges in reaching a live agent. I made over 10 separate calls to various customer service numbers, none of which led to a resolution. Once I finally connected with an agent ( identified as XXXX, Customer Service Supervisor ), I was informed that Experian would not file a dispute regarding the incorrect addresses until I first resolve the issue with the creditor. Specifically, XXXX stated that I must wait for the creditor to remove the address, and only then would Experian initiate a dispute. 

FCRA VIOLATION Experians refusal to accept responsibility for filing a dispute regarding inaccurate personal information directly contradicts its obligations under the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) investigate claims of inaccuracies and correct them in a timely manner. The act of requiring me to resolve an issue with a creditor before Experian will initiate an investigation places an undue burden on the consumer and unnecessarily extends the timeline for resolution. This appears to be a tactic used by Experian to shift responsibility and delay compliance with FCRA standards. 

Furthermore, the continued presence of incorrect personal and creditor information on my credit profile is not only inaccurate but is also the direct cause of adverse consequences, including reduced credit scores and potential denials of credit. These effects are the result of Experians willful failure to investigate and resolve valid claims of incorrect information, which exacerbates the harm I have suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a problem reporting on my student loan. I am currently in the income based repayment plan and have been been since XX/XX/2020. There should not be any late payments reporting on XXXX, XXXX and Transunion on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account type : Installment XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX XXXX XXXX Account type : Installment I also noticed a discrepancy in the reporting date and discharge date of an old bankruptcy that has aged past 10 years on reporting and discharge date and needs to be removed from XXXX, XXXX and Transunion as well. 

XXXX XXXX Bankruptcy Status : Discharged Reference # : XXXX or XXXX I appreciate ongoing look into this as it is preventing me from moving forward in my house buying process. Credit report is attached. Thank you.
Product: Debt collection

My name is XXXX XXXX I need to dispute this account ppl with account number for XXXX and Reference Number XXXX balance is {$XXXX} because this account is fraudulent I never open it please waive the balance to {$XXXX} and Closed Debts Id Service Date Account Number XXXX XX/XX/year> XXXX
Product: Mortgage

As recently as early this morning I received a call from very rude woman and this has been happening. I called and spoke with a polite man weeks ago and he advised that he escalated the matter and someone be calling. No one called and this harassment continues. 
The issue is that the threat is if I don't sign the certification of occupancy I can be foreclosed. This is extreme daily stress and worry that is illegal. I don't know what else I can do to stop this from happening. Reiterate that they even sent a man in person to get this information from me. Yearly this happens. 
This is not the first time. This is ongoing and I feel bullied by this company. 

I challenge the Executives to listen to how disrespectful and abusive their staff is. 

It is unreal that they call and get so insulting and nasty. The reason I am being harassed constantly is that they send out the proof of residency form which I promptly return. Then a gentleman who is quite professional comes to the house to bring the same forms. He can attest that I comply even though I have sent it in. 

Months later I am being harassed constantly and being abused by callers threatening me for the same information. I am receiving in excess of XXXX of these per week. A month ago I was so fed-up I signed yet another and they continue to come in the mail and the nasty calls continue. 

I will be filing with the federal agencies. This can not continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my Experian FICO 8 score was a XXXX I used their product " score simulator '' and it told me if I paid down my debt by XXXX dollars my score would go up to 700. I paid my debt down over XXXX dollars and my score is still a XXXX. I attempted to talk to them on the phone and the lady said she was not qualified to answer why that is the case.
Product: Credit reporting or other personal consumer reports

Identify theft XXXX XXXX someone used my personal information to obtain a credit card from XXXX XXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was informed that a account I did not ask to delete was deleted XXXX XXXX account number XXXX I did not dispute this account I disputed XXXX account XXXX Which originated from a fraudulent XXXX XXXXXXXX account I had no knowledge of
Product: Debt collection

XX/XX/XXXX XXXX  XX/XX/ 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 ( This one I actually answered. She said her name was XXXX only after I asked and she wanted to speak with XXXX last name removed. I asked what is this in regards to? She said is this XXXX. I said, which company do you represent? She said is this XXXX? I can not discuss the nature of the call. I said well, I guess we don't have much to talk about then. She actually works for Carmax and is legally obligated to tell me what company she represents when she first speaks to me. TFDCA protects me in this case.
Product: Debt collection

DEAR MIDLAND CREDIT MNGMT ; MCM ; ALL ACCOUNTS UNDER MY NAME OR SOCIAL. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated XXXX of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of XXXX ; You violated XXXX ( XXXX ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated XXXX ( XXXX ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated XXXX ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated XXXX of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/28, I leased a new vehicle from a XXXX dealer, ( XXXX XXXX ) and they used Experian as the credit agency their bank required. After some difficulty because I didn't know the password to Experian to unfreeze my report, the dealer successfully got what they needed, and the lease was completed. On my next credit card bill I noted and complained to XXXX XXXX about a charge for {$10.00} on the statement. Because it is so difficult to communicate with an Experian agent, I ultimately accepted that this must be a one time charge related to the report the leasing dealer needed. I wrote it off as another bad experience related to Experian, who, unlike XXXX XXXX and XXXX, constantly sends emails promoting their memberships, identity theft service and the like, to the degree that I blocked their emails. Today, I noted another charge for {$10.00} was pending on my credit card, and was successful in calling the company, talking to an agent and cancelling my " trial membership '' which I mentioned to the agent I had not requested or made. The agent XXXX XXXX? ) said she cancelled the " trial membership '' and made no effort to do anything further regarding the charges, but pitched some services and noted that my " membership '' was good until XX/XX/XXXX. She also noted that when the membership is cancelled, the lock on the account would be removed, although I asked and was assured the freeze on my credit report would remain. I plan to dispute the current pending charge when it gets posted, as I have already attempted to deal with the company. Although this is the kind of tactic many businesses use, I didn't expect it from a major credit reporting agency, although I now see they are among the most complained about businesses.