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

Repeatedly, since and before XX/XX/XXXX, EXPERIAN has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that EXPERIAN provide the ( 1 ) method of verification EXPERIAN utilized, the ( 2 ) name and address of the furnisher to whom EXPERIAN sumbitted and received the investigation report, the ( 3 ) bona fide, true, correct, and complete, document, contract, agreement, authorization upon and through which EXPERIAN asserts that my affirmative consent has been or was given and EXPERIAN has continuously refused, failed, and ignored my demands for EXPERIAN 's compliance with federal law. Instead EXPERIAN sends to me a credit investigation report in which EXPERIAN reports 05 of 06 disputed inquiries REASONS as " Unspecified. This inquiry is scheduled to continue on record until ... '' and 01 of 06 as " Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until ... '' I have no knowledge of any of these inquiries AND i certainly have NOT requested an auto loan from nor through XXXX!!! As recently as XX/XX/XXXX in EXPERIAN Report number XXXX, EXPERIAN is still actively reporting and selling to its subscribers inaccurate, unverified information!
Product: Credit reporting, credit repair services, or other personal consumer reports

AES fraudulently reopened an account that was charged off and closed in XXXX XXXX by applying forbearances and deferments without my consent or knowledge. AES forged my signature on a forbearance request for the dates XX/XX/XXXX to XX/XX/XXXX. A 6 week forbearance is very unusual considering they are normally requested for 6 to 24 months ( see attachment ). AES admitted that after I demanded they remove all negative reporting and delete all tradelines, they applied forbearances and deferments to keep the account from falling off my credit report and keep it in good standing. I did not request nor sign any forbearance or deferment. The signed MPN is for the amount {$14000.00} while AES claims that owe over $ 90k ( see attachment ). AES is reporting inaccurate and incomplete information to XXXX and refuses to correct the issue and remove the tradelines. The tradelines have been on my credit report since XXXX and yet there is no other information than as of XX/XX/XXXX it is current and in deferment. AES continues to withhold information regarding the owner of the account as well as other pertinent information surrounding the dispute. I have requested this information several times and they refuse to provide anything. AES agreed to remove all tradelines from XXXX and XXXX, but they refuse to remove the same tradelines from XXXX. This is an FCRA violation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my recent credit report. I discovered a Fraudulent account in my credit. Account is not mine. I did not authorize this company to open an account under my name. I need this account deleted. Account information, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I deposited {$5000.00} into a Chime Bank account on XX/XX/year>. They took my deposit and then immediately closed my account but kept my money. I have been trying for a year to get my money back, but they say it's their policy to keep it, and there's nothing I can do about it. They say they can't give me any more information about the account. 

This is a lot of money that I need back. I have proof of the deposit going out of my XXXXXXXX XXXX account into their Chime Bank. 


Chime bank stole {$5000.00} from me.
Product: Credit card

On XX/XX/year>, a new refrigerator was purchased from the XXXX XXXX XXXX using a XXXX TD Bank consumer credit card. Subsequently, erroneous charges amounting to {$640.00} appeared on my credit card statement on the same date. These charges are incorrect, as several transactions related to XXXX financing order XXXX have already been applied to my account. To resolve this issue, I initiated the billing dispute process with TD Bank on XX/XX/year>, providing all required supporting documentation. Despite my efforts, the company has not responded or taken action to rectify the situation. Consequently, the additional charges on my account are deemed fraudulent, as they should have been excluded from my billing statement. This situation remains unresolved, and corrective measures are necessary to address the erroneous and potentially fraudulent transactions on my credit card account.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 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.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On  XXXX / XXXX /  XXXX   I recieved a past due bill of {$150.00} from  XXXX   XXXX   XXXX  that is due by  XXXX / XXXX /  XXXX  . I was advised the account was closed and My name was no longer associated with the account. Today on  XXXX / XXXX /  XXXX   I also recieved a letter dated  XXXX / XXXX /  XXXX   from the credence resource management , LLC that they were attempting to collect {$150.00} on behalf of  XXXX   XXXX   XXXX . I was never made aware that I was still on the account associated with the bill and made several attempts to contact  XXXX   XXXX   XXXX  to dispute the charges, where I was transferred to several agents that stated the account number I was associated with was closed and had a {$0.00} balance.  XXXX   XXXX   XXXX  also stated I would need to contact the collection agency to resolve the matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

New Rez who we have our mortgage with took two payments out for XXXX. I called them on the XXXX of XXXX and also on the XXXX of XXXX. So far they haven't put {$810.00} back in my account. Took the money out on the XXXX of XXXX. Phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Product: Debt collection

Hunter Warfield XXXX XXXX is attempting to collect on behalf of XXXX XXXX XXXX, an erroneously reporting a collection debt on a property that I vacated. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act it is my understanding that inaccurate data must be removed from XXXX, XXXX, XXXX. I vacated the property on XX/XX/year> and that was confirmed by XXXX XXXX XXXX. All of these charges supposedly took place after that date and are fraudulently being reported on my credit reports.
Product: Vehicle loan or lease

I have a lease with Volvo Financial. I want to trade in my lease for a XXXX product. Volvo will not accept a payoff check from the XXXX dealership. They will accept it from me, but not another dealership. They are forcing me to turn my vehicle into them, and incur end-of-lease charges and milage penalties, or trade-in my vehicle and remain in a Volvo. I can not afford to make the payoff myself, without the help of a trade-in process, which Volvo Financial is preventing from happening.
Product: Debt collection

About mid XX/XX/2021 I received a letter in the mail stating if I paid them a reduced price then the debt would be considered paid off and would be settled. I arranged for payment and was paid for deletion. It has now been 2 months and it is still reporting on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to Experian XXXX credit monitoring service and pay approximately {$25.00} per month for this service. 

Part of this service allows for subscribers to see information in order to see if a dispute is warranted. Part of the information available is soft inquiries on one 's credit reports. One can view the inquiries along with other data and decide whether or not a dispute is called for. I generally view these soft inquiries and then find no need for a dispute. I feel soft inquiries are important data that one should have access to. 

Lately, though, Experian refuses me access to the initial dispute process to see these soft inquiries. For the past month they claim there's a " technical error ''. This is a lie. They have removed my ability to use the entire service that I pay for. They refuse to explain why and only lie about a system error.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went to the LexisNexis XXXX XXXX website ( XXXX XXXX XXXX ) where I completed the " Online Request Form '' to receive a copy of my credit report. Approximately ten days later, I received a letter from LexisNexis refusing to provide a copy of the report ( Consumer Number : XXXX, Case XXXX XXXX ). The company claimed it was unable to process my request and cited three reasons/possible reason for their inability to process my request. When I completed the company 's online request form, I provided ALL information required to complete the request. 
On XX/XX/XXXX, once again, I tried to obtain a copy of my credit report ; however, this time I telephoned the company. The automated machine cut me off and said the information I entered was incomplete as I tried to answer the question it posed. After several tries and several times of returning the call once the machine concluded the telephone call, I again resorted to the company 's online request form. Once again, I completed the online form which included providing my social security number, date of birth, drivers ' license number, and my street address. Today, XX/XX/XXXX, I received yet another letter from the company claiming it is unable to process my request ( Consumer Number XXXX, Case Number XXXX ). As with the XX/XX/XXXX denial, the company again denied my request while claiming several possible reasons for its inability to process the request but failing to identify the SPECIFIC reason for the denial. Given the exact information that I provided based on the information identified in the company 's online request form, without a SPECIFIC reason for the company 's alleged inability to " process request, '' I can not provide the information the company allegedly needs to provide the report. As a result, I am continually denied access to the report.
Product: Student loan

Yes : I will call Navient again, but right now Federal Student Loans are on a pause. I began the process of beginning repayment since they were to have begun again at XXXX 's end and I'm being told that I'd have to specifically request forebearance and it would need be approved, which seems unfair ; I have another servicer who automatically implemented the executive order, but Navient has been really aggressive. I'm sure I'm not the only debtor experiencing this and have contacted my representative. I'm happy to provide more details, but thus seems really unfair under the circumstances.
Product: Credit reporting or other personal consumer reports

My ssn has been relayed to yall wrongly and I need it fixed on all 3 credit reporting agencies ASAP bc its preventing me from filing my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX   XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} CAPITAL ONE AUTO FINANCE # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF EDXXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX  # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX U.S Department of Education : # 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, TransUnion and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I have contacted TRANSUNION several times trying to get information removed from my credit report, but I always get a turnaround from then, I need to remove wrong information from XXXX XXXX  and XXXXXXXX XXXX XXXX for closed/charge-off/paid accounts. 

TRANSUNION has also rejected my request on the letter that I have sent previously stating that it`s not me sending this letter, even after sending proof of address, driver 's license, etc...
Product: Debt collection

I logged into my XXXX account and noticed a debt collection account for {$520.00} for XXXX XXXX XXXX ( which I have never been a customer of ) They verified the account holder has the same name as me but with an " XXXX '' as a middle initial ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to which they then asked if I knew the phone number and email associated with the account. I have never seen/heard of them. They stated the account was opened in XXXX of 2019 and was active for about 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUREAS PROOF SUBMITTED AS WELL THIS COMPANY XXXX XXXX XXXX XXXX # : XXXX NOT VALIDATE THE DEBT OR RESPOND THATS A VIOLATION OF 15 USC 1692 ( G ) ( B ) I ALSO SENT PROOF WITH TRACKING INFO SHOWING IT WAS DELIVERED XXXX EQUIFAX XXXX IGNORED IT DID NOT INVESTIGATE VIOLATION OF 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. I NEVER RECEIVED ANYTHING FROM EITHER COMPANY WHICH IS A VIOLATION OF 15 USC 1681 SECTION 611 ( 2 ) ( A ) I WANT THIS ACCOUNT REMOVED ASAP AND PLUS THIS COMPANY IS NOT REGISTERED WITH DCLA DEBT COLLECTIONS LICENSING ACT
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. 

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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I wrote a letter to Experian asking them to verify inaccurate information on my credit report from two accounts, XXXX XXXX and XXXX XXXX. They have failed to verify the inaccurate information and remove them from my credit report. They have failed to comply within the 45 days allotted to investigate. I have wrote to them on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response. I am asking to file a formal complaint against Experian for complete disregard to FCRA regulations.