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

Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Disputed Issue : incorrect late payment, inaccurate balance Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information. 
FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely,
Product: Debt collection

I do not have the last date that I spoke with Allied Interstate LLC it was sometime in XX/XX/XXXX. When they first called me at work I requested that they did not contact me at work and that the debt that they owe I do not owe what they say I do. I disputed it with XXXX stating that I was two payments behind and I tried to make a payment over the phone to get it caught up but they wanted to charge me a fee so I said I would go online to make the payment. This was over two years ag and they said they shut my online access off and they would not take my payment over the phone of which at the time was only {$50.00}. They said that they would reinstate my online access but I was to either email or mail them a copy of my drivers license and copy of my social security card. I refused to do either one I am not stupid. 

I requested XXXX to have them removed from my credit report since I made multiple attempts to get this caught up and it was but this was prior to Allied buying the debt from XXXX. 

Today ( XX/XX/XXXX between XXXX and XXXX ) I received a phone call from Allied at work the name of the rep. was XXXX XXXX and I told him that they were not to call me at work but he kept on speaking wanting me to verify my date of birth and so on. I informed him that he was violating my request to not call my work and that I was going to file a complaint. He seemed to not even care at all. I do not owe this debt I will not pay this debt. I want this debt removed from all my credit reports and I do not want it resold to another agency. I tried to make payments the company refused to accept the payment and then on top of it requested personal information that could and probably would have resulted in identity theft of which has already happened more than once with me. 

Allied is not to contact me period this debt as far as I am concerned is not owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Please investigate the following accounts and remove them I disputed an account that was listed on my credit report. The account in question is a loan that I do not have. I have never had a loan with the XXXX of Virginia, and I have never been in arrears on any loan. I provided Equifax with documentation to support my claim, but my dispute has not been resolved. 

I am concerned that Equifax is violating my consumer rights by not properly investigating my dispute. I am also concerned that Equifax is not complying with federal and state laws. 

According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I also have the right to have the information removed from my report if it is found to be inaccurate. 

The FCRA also requires that consumer reporting agencies investigate all disputes promptly and thoroughly. Equifax has not done this. I have been waiting for over 30 days for Equifax to investigate my dispute, and I have not received any updates. 

I am also concerned that Equifax is not complying with Virginia state law. Virginia law requires that consumer reporting agencies notify consumers of any proposed action to report negative information to a credit bureau. I was not notified of the proposed action to report the inaccurate loan to my credit report. 

I am demanding that Equifax immediately remove the inaccurate loan from my credit report. I am also demanding that Equifax investigate my dispute promptly and thoroughly. 

If Equifax does not comply with my demands, I will be forced to take further action, including filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to XXXX to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit recently to start generating credit and see someone else has been using my credit. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$680.00} 2 ) XXXX XXXX opened XX/XX/XXXX amount {$23.00} 3 ) XXXX XXXX   opened XX/XX/XXXX amount {$23.00} 4 ) XXXX XXXX opened XX/XX/XXXX amount {$430.00} a ) Block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account in which do not belong on my report every time I report with Equifax they never remove but has been removed from XXXX and XXXX, they keep saying accounts are mine and they are not, for example they were some accounts with XXXX XXXX XXXX ( 40 Equifax continued say they were mine when the social ended XXXX and mine is XXXX and they were never removed took me two months to get resolved and finally got deletion letter from orifinal creditor because Equifax failed to comply and remove and still has not removed. they have verified true fraud of identity theft and have police reports and packet
Product: Credit card or prepaid card

Bank of America Im filing yet another complaint on you due to the fact that you failed to conduct a proper investigation I sent in dispute to your company about violations and erroneous information you responded to via the FCPB that you were mailing your response to me. Its been way over 30 days and I havent received anything from your company. I sent you another Corresponding asking you to upload your findings in your investigations information the other CFPB website I attached my Social Security card my US government ID along with my Minnesota drivers license you fail to do that as well at this point its over 30 days in you have to fail to conduct a proper investigation there for your trade lines must be removed from all credit reporting.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/year>, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 49 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section XXXX ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 49 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

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

I'm really upset at how my credit report is being handled. I've sent out a couple of dispute letters to resolve my issue. I did not receive the signed contract I asked for from all three bureaus. Due to the FCRA, if the original contract is not produce the account must be deleted immediately. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has 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 famish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Navy Federal Credit Union has discriminated against my person. They have taken my accounts over and Blocked me from making deposits. That is unfair business practices. They have defrauded me. And attempted to XXXX property they have no authority to XXXX. They are blocking the treasury for XXXX XXXX XXXX XXXX IS THE NON-PROFIT in which I am the treasurer. We have a family of organizations under XXXX XXXX XXXX XXXX, which is a series XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because of this I am falling behind in making payments on my bills and because of this I am unable to fulfill my obligations as the XXXX. I have people and clients depending on me. 
I would like to be remedied XXXX in my account so that I can make the necessary payments and remidy me for {$20000.00}, XXXX for my fee as the rep for said accounts respectfully, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Experian XXXX XXXX XXXX XXXX  TX XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. 

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX, CA XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, CA XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting ting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously delete material into my credit report. 
On XX/XX/year>, I sent dispute to TransUnion notifying them of the reinsertion of XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the dispute, TransUnion has failed to remove the reinserted account from my credit report, continuing violate FCRA regulations. 
TransUnion actions have caused significant inconvenience and potential harm to my credit profile, Impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
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 U.S.C 1681 XXXX XXXX XXXX Equifax Credit report XXXX XXXX credit report XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand!

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$9000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.
Product: Checking or savings account

Facts : On XX/XX/year>, Consumer disputed a transaction in the amount of {$290.00} due to non-delivery of goods, following the merchant 's dispute instructions. 

SoFi Bank failed to provide a provisional credit as outlined in Section F, pages 36 and 37 of the SoFi Bank Deposit Agreement, and did not complete an investigation within the 90-day timeframe stipulated in the agreement. 

On XX/XX/year>, SoFi Bank placed a hold on {$41.00} for a transaction with XXXX XXXX Fuel. Despite confirmation of release from XXXX XXXX XXXX, SoFi Bank refused to release the funds within the allotted 7-day window and provided misleading information regarding the merchant 's actions. 

Causes of Action : Breach of Contract : SoFi Bank failed to adhere to the terms of the SoFi Bank Deposit Agreement by not providing a provisional credit and completing an investigation within the specified timeframe.

Damages : Consumer suffered financial harm due to the withheld funds, totaling {$330.00}.
Product: Debt collection

I am unaware of this debt. I never received anything giving me a chance to dispute this debt. This violates my federal rights.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO XXXX BY PHONE AND ON THEIR OFFICIAL WEBSITE TO CORRECT THE INACCURATE ITEMS ON MY CREDIT PROFILE. I HAVE SENT OVER THE REQUESTED DOCUMENTS A FEW TIMES FOR DISPUTED ITEMS AND WAS TOLD THEY NEVER RECEIVED IT! SINCE THEN I HAVE TRIED AT LEAST 5 TIMES TO UPLOAD THE DOCUMENTS ONLINE AND NOT ABLE TO COMPLETE THE PROCESS. ALSO SAME ITEMS THAT I DISPUTED WITH XXXX AND XXXX ARE DELETED BUT XXXX REFUSED TO DELETE. THE FUNISHERS ARE : SDCCU AND XXXX XXXX XXXX. BASE ON THE LAST REPLY ON MY RECENT COMPLAINT ON SDCCU. THEY HAVE NOT REMOVED THE INACCURATE INFORMATION ON EACH A D EVERY CRA 'S AS PROMISED! I HAVE CALLED 3 TIMES AND WAS TOLD THAT THEY ARE WORKING ON IT! I HAVE ALSO ATTEMPTED TO REACH OUT TO XXXX XXXX XXXX AND NOTHING WAS DONE AS AGREED. I AM BEYOND FRUSTRATED AND DISAPPOINTED ESPECIALLY WITH SDCCU! IT IS EFFECTING MY ABILITY TO OBTAIN CREDIT, LOANS, AND ASSISTANCE FOR MY HARDSHIP THAT IM EXPERIENCING AT THE MOMENT. THE MENTAL AND EMOTIONAL STRESS THAT IT HAS CAUSED IS OVERWHELMING AND EFFECTING MY WELL BEING. Please help and advise what to do resolve this matter.
Product: Checking or savings account

In XX/XX/year>, I made a hotel reservation that was later canceled by the hotel, not me. Despite this, I was charged {$390.00}. On XX/XX/year>, I filed a chargeback request with Citibank, citing that the cancellation was initiated by the hotel and not by me, making me eligible for a refund. The dispute reference for this case is XXXX. 

Citibank investigated the claim but denied the chargeback, stating that the merchant provided a cancellation policy. However, this policy is irrelevant since the cancellation was beyond my control. 

Furthermore, Citibank failed to notify me of the investigation 's status or provide an opportunity to submit supporting evidence. As a result, I was unable to present critical documents, including correspondence with the hotel confirming their responsibility for the cancellation. 

This unresolved chargeback has caused my account to become overdrafted, and now it has been reported to risk agencies. This has created unnecessary financial and reputational harm. I have contacted Citibank to request a reopening of the investigation and have offered additional evidence, but my concerns remain unresolved. 

I am seeking CFPB 's assistance to ensure this matter is fairly reviewed and resolved promptly. 

Thank you.