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

I am writing to formally file a complaint regarding Experians handling of my credit report updates. Specifically, Experian shared updates to my credit report with multiple subscribers without my consent, despite the sensitive nature of my situation involving identity theft.

Details of the Issue 1.I recently submitted a dispute to Experian regarding inaccuracies in my credit report due to identity theft.

2.Following the resolution of this dispute, Experian sent updates of my credit report to at least ten subscribers, including XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and others. This action is documented in communication from Experian ( see attached screenshot evidence ).

3.At no point did I authorize or request Experian to share these updates with any third parties. Given the context of identity theft, this unauthorized sharing has heightened my concerns about the security and privacy of my personal information.

Why This Is a Problem Experians actions have potentially exposed me to further risks of fraud or misuse of my information. This is particularly troubling as I am actively trying to resolve issues stemming from identity theft. I believe this conduct violates consumer protection principles and may contravene relevant laws governing credit reporting practices.
Product: Debt collection

I am a XXXX and I called National Credit Systems XXXX Inc. with a client multiple times and have repeatedly been treated poorly, but my phone call today was by far the worst I have ever experienced. I made an offer on behalf of my client and was told that the balance was at XXXX in spite of the fact that she received a XXXX off letter that was not honored due to a time limit issue. In my client 's defense, she did not receive the letter on time before the time expired. The collection agency added a {$1400.00} collection agency fee and I simple asked the supervisor if she was aware that they were in violation of FDCPA for the collection agency fee. And she told me that I was being hostile and using strong arm negotiation tactics and said she had no desire to talk to me further and hung up on me. I called back and spoke to the original representative, XXXX XXXX, who proceeded to directly transfer me back to XXXX XXXX, the supervisor. I did not ask her to transfer me. At this point, my client just needed to pay the bill and be done with this account. I called back again and XXXX XXXX directly transferred me again without even speaking to me. I 've never felt so disrespected on a phone call in my life. I asked my client if she thought I was being hostile and she said no. Every time we have called this collection, they have been nothing but rude.
Product: Credit reporting or other personal consumer reports

Have a Hard Inquiries from Capital One. This is not me. I moved 2 years ago, new owner has been opening credit cards in my name fraudualently
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NOT MADE AWARE BY THE BUSINESS MY RIGHT TO OPT OUT
Product: Consumer Loan

I was out of work from XXXX XXXX, 2016 until XXXX XXXX, 2016 due to a XXXX that required at least XXXX weeks of recuperation without use of my XXXX. My worker 's comp claim was denied. I was attempting to go back on light duty, which my employer denied. I attempted to file a claim for unemployment, because although I had initially been informed I could work light duty, my company would not let me return to work with restrictions. On XXXX XXXX, 2016, I called USAA to inform them that I was out of work, and could not make my auto loan and personal loan payments, and initiated the USAA debt protection coverage. After a week or so, I called USAA. The employee I spoke with told me that my debt protection was in place, and that I did n't need to worry about my payments. Within the next month, I Iearned that that was not in fact the case. I was called by USAA multiple times, and I called USAA multiple times to inform them that I was unable to make my payments and was waiting for the debt protection to make said payments. I ended up having to fill out the debt protection paperwork twice, because they said that I was not out for over 30 days ( this was on XXXX XXXX, 2016, at which point I had in fact been out for more than 30 days ). Because of these delays, USAA has not only assessed both of my accounts with late fees, but they 've also reported my accounts to the credit bureaus. None of this would have happened if the debt protection process was not so cumbersome ( the forms had to be either mailed or faxed ; there are no options to do so electronically ), and if the debt protection had paid on my accounts in a more timely fashion. One of the late charges was reversed, but there are still {$47.00} worth of late charges that USAA refuses to reverse.
Product: Debt collection

I have never even heard of this CMRE company. They call constantly and I have never even heard of these people nor have I ever dealt with them I believe it is not fair that this has a negative impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im tired of going back and forth with XXXX XXXX  about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including Experian, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. Im stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.
Product: Student loan

I paid off one of my student loans, the higher interest of the two that I have, XXXX weeks ago. My current loan detail information shows a {$0.00} balance, but they have not closed out the loan account. This in turn has meant that I am accruing interest at a higher interest rate than I should. I should be at the 4.05 % that my second loan is at, not the 5.25 % they show due to my higher loan, the one with a XXXX balance, being a 5.8 % loan and causing the average to be 5.25 %. I can not get a hold of anybody at Mohela to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year>XXXX  Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Cease and Desist Demand Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand that you cease and desist from all attempts to report, collect, or otherwise pursue any alleged debt that you claim I owe. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and applies to any actions involving the reporting of this debt to credit reporting agencies or third parties. 

I dispute any claim that I owe this debt and require the following actions to be taken immediately : 1. Cease and desist from reporting any information regarding this debt to any credit reporting agency, including but not limited to XXXX, XXXX, and XXXX. 
2. Remove any inaccurate, incomplete, or incorrect information related to this alleged debt from my credit reports with all relevant credit bureaus. 
3. Provide me with validation of the debt, including all necessary documentation and records that substantiate your claim, in accordance with the FCRA. If you can not provide proper validation, any further attempts to report or collect this debt will be a violation of federal law. 

As per the FCRA, you are legally obligated to ensure that the information you report to credit bureaus is accurate, complete, and verifiable. If the information is determined to be inaccurate, it must be corrected or removed immediately. Failure to comply with these requirements may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all legal remedies available under both the FCRA and FDCPA. 

Furthermore, I do not authorize any further communication from your office, except for the provision of written validation of the debt as outlined above. Any attempt to violate this cease and desist request may result in legal action. 

Please confirm in writing that you have received this letter and will comply with the cease and desist demands outlined herein. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

NOTE : This is not a new complaint, I simply wish to amend my response to an existing complaint ( XXXX ), but there does n't seem to be a facility to do so online. 

Anyway, in addition to the fact that I was not notified of the rate increase on my credit card account, I would like to note that when I did eventually notice the increase ( after almost a year ) and inquired about it, the rate was immediately changed back to the regular rate. While on one hand that is obviously a positive thing for the consumer, it goes to show that American Express 's strategy to maximize revenue is to charge a huge rate, *until the customer notices it*. This strategy is consistent with them not being motivated to notify the customer of the rate interest in the first place ; it is obviously not in their best interests.
Product: Credit reporting or other personal consumer reports

Recently I investigated my credit report after being denied for an apartment, and employment. I found that all adverse information on my credit report is still being furnished to employers and landlords. 


I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX  : XXXX. Account Name : XXXX XXXXXXXX | Account Number : XXXX | Balance : {$1200.00} CHARGE OFF Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX | High Balance {$520.00} | Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX |Balance : {$130.00} | XXXX. Account XXXX XXXX XXXX | Account Number XXXX | Balance : {$17000.00} | Monthly Payment {$500.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX My preferred contact methods are email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is  my 3rd attempt at  trying to resolve this matter with FEDLOAN.    FEDLOAN re fuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great   XXXX     XXXX  and  XXXX  trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus state s : " Section 623 ( a ) ( 2 ) of the FCRA addresses the  duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. (  1 ) T hus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. ' ' FEDLOANS failure to u pdate the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA S ection 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addr essed.
Product: Credit reporting or other personal consumer reports

Accounts and Charges are popping up that i did not authorize XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose Collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as
Product: Vehicle loan or lease

I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Exeter Finance. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
Product: Credit reporting or other personal consumer reports

I attempted to reach out to XXXX again spoke with a rude representative by the name of XXXX who advised me that I didnt like what she was saying which all I told her was that I dont recall the addresses verbatim. If I provide you with my current and previous address common sense would tell you to remove everything else. I would like the agent reprimanded and since everytime I submit a dispute it comes back in less then 2 weeks. Due to this I reached out to one of the creditors they advised me that they would send me a packet then reach out to creditor to advise with XXXX they just say its yours so why do I get a different outcome when I attempt to call. I have received several letters about my information being breached but they never seem to address that. 

XXXX XXXX : XXXX XXXX never lived there or attempted to stay there I used an apartment locator XXXX XXXX because I have an eviction XXXX  XXXX XXXX same as above XXXX XXXX- {$360.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I already had a place and moved into my new place XX/XX/year>. 

Information listed below is for Equifax : I sent several letters to update my address due to constantly receiving notice of data breach letters information was never updated Inquiry : XXXX XXXX- should have been removed XX/XX/year>XXXX  still on my report Disputes : XXXX  XXXX XXXX not aware of account requested information never received it XXXX- XXXX not aware requested account information never received XXXX- XXXX not aware of account requested information never received account verification information XXXX- XXXX- XXXX not aware of account requested information never received account verification information XXXX XXXX XXXX not aware of account requested information never received account verification information XXXX- XXXX not aware of account requested information never received account verification information It is very upsetting that you send several letters to the bureaus but they dont even investigate they wait 14 days then send letters saying the disputes are complete. However when the consumer reaches out to the creditor its a different outcome. This is a huge inconvenience because I need a car but first I have to clear these discrepancies with the bureaus who are not consumer friendly.
Product: Payday loan, title loan, personal loan, or advance loan

I did a review of my most recent credit report and learned that a fraudulent account with Truist bank had been opened in my name and my identity had been stolen.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Bank account or service

XX/XX/XXXX an unauthorized person went online at Chase and transferred money from my savings account and the made XXXX ATM withdrawals in XXXX. {$400.00}, {$800.00} and {$800.00} to total {$2000.00}. My Debit Card never left my wallet and I live in XXXX. When I noticed the transactions, ( XXXX XX/XX/XXXX ) I went to Chase and restricted the account and requested a new account. Chase gave me a temporary credit of {$2000.00} XX/XX/XXXX but then reversed it XX/XX/XXXX and stated that I called XX/XX/XXXX and said I made the transactions. I went to the branch XX/XX/XXXX at had Chase fax a claimed their Fraud Dept stating that I did not authorize the transactions but they refused my claim. 
After several calls to Chase Fraud Dept they have not returned my funds and continues to ignore my faxed claim or my statement that I did not call and say the withdrawals were valid.
Product: Credit reporting or other personal consumer reports

Hello, the account ending in XXXX was opened under an address that is not on my file nor has it ever been my address. Additionally this account was opened XX/XX/year> meaning it has fallen out of the XXXX  XXXX XXXX of limitation of XXXX years. due to the incorrect information being reported my credit has suffered, at the hands of a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed this account reporting derogatory. This is inaccurate as the account is paid as agreed, I request the company show the burden of proof that the account was late, otherwise remove these late payments.
Product: Credit card or prepaid card

In XXXX XXXX XXXX, prior to the payment being late, Chase was contacted that the payment would not be made due to COVID hardship. I was told to pay when possible and that I would not incur any penalty. The account was paid in full within 30 days as per our agreement.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT, I HAVE SUBMITTED 1 CFPB AND 1 DISPUTE LETTERS WITH LITTLE ACTION TAKEN BY XXXX. I HAVE NOW SUBMITTED AN ADDITIONAL LETTER WITH MORE PROOF OF IDENTITY AND PROOF THAT THESE ACCOUNTS ARENT MINE AND THAT THE BUREAUS ARE VIOLATED MY FEDERAL RIGHTS AND STATE RIGHTS.