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

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian regarding their failure to address and rectify inaccurate information on my credit report. I have attempted to resolve this issue directly with Experian to no avail, and I am now seeking your assistance in resolving this matter. 

Details of the dispute are as follows XXXX XXXX XXXX XXXX XXXX XXXX I first contacted Experian in writing to dispute inaccurate information on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/, I reached out to Experian again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with Experian, my efforts to rectify this situation were met with silence. On XX/XX/, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. 

4. Furthermore, on XXXX XXXX XXXXXX/XX/XXXX, I made another attempt to contact Experian, seeking resolution to the unauthorized inquiries issue. However, I have received no response or acknowledgment of this communication. 

Regrettably, Experian has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. 

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Experian addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with Experian, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. 

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. Please see the listed items below : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im genuinely stunned to find inaccurate accounts on my credit report today, and I dont understand how this could happen. I check my report often, yet this time, out of the blue, discrepancies appeared. I tried refreshing the page, hoping it was just a glitch, but the problem persisted. I need the documents Ive sent to be reviewed carefully so that I can stop worrying about this once and for all.
Product: Credit reporting or other personal consumer reports

Unauthorized use of credit report. I did not give permissible purpose for use of my consumer report to be obtained.
Product: Credit card or prepaid card

I paid XXXX between XXXX XXXX. They should have applied anything more than the min payment to the highest apr they applied to the lowest apr. cash advance is the highest. Purchases is the lowest. They tried to say they can apply to purchase first bc each one has different rate that is a lie. They didnt apply my payment right and refuse to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank obtained a copy of my credit report ( hard inquiry ) on Saturday, XX/XX/2023 without my consent or authorization, I haven't applied for any type of loan/credit/financing. I've been unable to reach anyone with this institution although placing numerous phone calls. 

Capital One also obtained a copy of my credit report ( hard inquiry ) on Monday, XX/XX/2023 again without my consent or authorization. Again I've haven't applied for any loan/credit/financing. I've contacted Capital One and spoke to someone who.advised me to contact & dispute with the credit bureau, which I have also done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
XXXX 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 XXXXXXXX ( these is an open account but reporting inaccurate so remove please )
Product: Debt collection

XX/XX/2009, I was forced to file Chapter XXXX bankruptcy. None of my payments were ever late. I spent my savings down making payments before I filed. I had a home equity line of credit with Chase Bank. This year as so many have done, I tired to settle with them. I know of successful settlements from XXXX-XXXX % and know of some mortgages being extinguished but they would not settle with me. The government sued them and then turned around and gave them the money and power to decide who to settle with. A fox in the hen house situation. In the meantime, my home is falling apart. My XXXX mortgage is current. Because I filed Chapter XXXX, JP Morgan Chase is not permitted to use collection activities on me. However they continue to call me and as soon as I answer, they hang up. I called the collections agent, XXXX XXXX ( XXXX ext. XXXX ) and he was very rude and snide and told me amongst other rude comments if I do n't like it to call ( hire ) a lawyer ( which I can not afford ) even when I told him that what they are doing is illegal according to the Fair Debt Collections Act. I was previously trying to settle with them in good faith because my house is falling apart and is worth nothing to them however they still illegally call and harass me about it. I am a XXXX person with stress and anxiety issues and lost a lot of income and if they wo n't settle with me, I sure do n't need them calling me all time reminding me I am imprisoned in this situation. 
When Chase approved my HELOC, they valued my house way over what the value would ever be leading me to believe if they worst did happen that I would be able to get out of it with some equity which was false. My home will never be worth what they appraised it at. They also cut off my ( and many others ) HELOC without notice with a settlement to consumers of {$35.00} which I refused. I report all of these things because Chase feels they are above the law and have been censured in courts for these types of actions yet they continue to practice them illegally. I take photos of the calls on my cell phone with their number as an incoming call and have quite of few of them to take to court if need be. They can be fined {$1000.00} for what they are doing but I wanted the government to also censure Chase for what they are doing illegally. Thank you.
Product: Credit reporting

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Product: Money transfer, virtual currency, or money service

This complaint is with regards to my paypal account under the email address XXXX. 


Paypal initiated a chargeback and debited my paypal account in the amount of {$1400.00} plus charged me a fee of {$15.00} for the chargeback. 

I had provided information in the form of a signed document from the purchaser that he does not dispute the charge of {$1400.00} on XX/XX/22 to XXXX XXXX XXXX to his XXXX card ending in XXXX. Yet, Paypal has refused to acknowledge the soundness of this explicit confirmation and has not replied to my communication to them asking for steps needed on my behalf to uphold this authorized charge. 

I am attaching the document signed by the cardholder affirming that he does not dispute the said charge. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to Equifax in regards to them reporting information on my credit report without my consent that harms be as a human being. The letter was delivered to them on XXXX  and by law they are to respond in 4 business days - I also attached a return receipt requesting a response with the letter. as of XXXX today I have received no response. I also had my My original documents notarized for proof that a witness was present
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective X/X/2017 that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.
Product: Debt collection

I have issues with my Khols account since opening. They will not set up my app so i can make my payments, i have tried making them online and it will not work and their customer service is useless today XX/XX/year> they have called me 10 times since XXXX its now XXXX. I was awoken to each call. And as someone who works third shift my sleep has now been compromised due to this harassment i can understand one phone call and a voicemail these are robocalls from khols and when you answer no one is on the other line
Product: Mortgage

I am a 100 % XXXX veteran and I have received a tax exemption notice from my county tax department and have submitted that document along with the XX/XX/2022 tax bill to have my escrow amount reduced due to my {$0.00} tax burden decision, however the mortgage company just keeps giving me excuses that its being reanalyzed every time I've called since XX/XX/2022 with no resolve.
Product: Mortgage

The XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX  is to be renewed every XXXX ( XXXX ) years or sooner if I request a renewal. This did not happen.
Product: Credit reporting 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. I told the XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not provided any contacts, signed contract, sources or verification methods as required under the FCRA for an item I have disputed several times. Even though on different occasions I have requested such information, Experian, continues to ignore these requests and reports the now outdated account as verified. This account is not only erroneous but according to their reporting, as of XX/XX/2018, the account is now over 7 years old. This account is not only erroneous but is also outdated and should be deleted immediately.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XXXX XXXX, a payoff was sent to Flagship Credit Acceptance via XXXX XXXX XXXX and was relieved and signed for on XX/XX/year>. As of today the cashier check has not posted and when called they tell me that not received or the invidual on the phone do not have the check to payoff the account I provided the check number amout and date and sent a copy of the check and has not posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

I was induced to apply for and purchase an American Express Gold XXXX credit card by an Amex employee who promised that I would be able to use the Gold card with a temporary/instant number, which was a lie and two charges were declined. The merchant told me personally that no charges went through. I want Amex to cancel the Gold Card, not charge/refund the annual fee, and rescind the hard credit inquiry. Basically reset to before Amex induced me to apply for the card. Amex refuses to do so and takes no responsibility for its misrepresentations and harm to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX and noticed that my equifax report had incorrect information that I have been contact them nonstop about and I would like the false items removed because they are not mine nor did I authorize these transactions. 
Collection Agency XXXX XXXX XXXX XXXX XXXX {$1400.00} openedXX/XX/XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1400.00} High Balance {$1400.00} Remarks --
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian dispute department on multiple occasions, opened up multiple disputes on my XXXX XXXX XXXXXXXX XXXX, which is reporting incorrectly with a {$330.00} balance. This account has been settled with a XXXX balance. Experian has failed to investigate this after i have uploaded documentation from XXXX corporation showing the account has been settled with a XXXX balance
Product: Debt collection

Asset Acceptance LLC continue taking a debt to court on a debt that I do not owe. I want this company to stop their unfair debt collection practice. They claim I owe over {$8000.00} but I have no receive any documentation or any prior notices. I receive a claim that was introduce in court. This company needs to stop targeting accounts that either do n't exist or are way pass the statue of limitations,
Product: Credit reporting 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. The accounts below have violated my rights. 15 U.S.C 1681 section XXXX. XXXX I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the accounts XXXX XXXX XXXX, XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Experian is in direct violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Experian written consent to report anything on my behalf on this consumer report. No consent is identity theft. Furthermore under 15 USC 1681 ( a ) ( 3 ) Experian assumed this role without permission not only did they not have my permission they didn't have my consent. This company did not respect my rights to privacy which is under 15 USC ( a ) ( 4 ) Experian did not exercise their grave responsibility, they were unfair and partial. 15 USC ( b ) ( 2 ) Experian never had a permissible purpose. I never instructed Experian to furnish this report and I never consented to this report in the first place. I am demanding deletion off all this unauthorized account on this report or I no longer want to continue to do business with this company
Product: Credit card

I am a victim of identity theft. Someone used my name and personal information to recently apply for and opened up a Barclays Bank credit card account in my name. I have never applied for or opened a Barclays Bank credit card account. I have never had a Barclays Bank credit card account. I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX XXXX $ XXXX  XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX