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

Complaint Regarding Experian Credit Bureau 's Blocking of Access to Credit Report and Failure to Address Disputes To Whom It May Concern, I am writing to file a formal complaint against Experian Credit Bureau regarding their obstruction of my access to my credit report and their failure to adhere to regulatory compliance standards. 

On XX/XX/year>, I contacted Experian Credit Bureau due to their blockage of third-party access to my credit report without my explicit consent. I have been actively disputing inaccuracies present on my credit report, yet Experian has consistently failed to meet compliance requirements in handling these disputes. Upon attempting to refresh my credit report through a third-party source, I encountered a notification stating that my credit score and related information could not be calculated. Subsequently, when I reached out to an Experian representative for clarification, I was informed that this issue arose due to a sudden lack of an address associated with my accounta problem I have never encountered before. 

Despite this, five days have elapsed, and I am still unable to access my Experian report, despite being a paying customer through a third-party service. The explanation provided by the representative, citing the absence of an address or name on my credit file, appears illogical and inconsistent with my previous experiences. 

I strongly suspect that Experian deliberately enacted this block to impede my access to my credit report, thereby hindering my ability to pursue necessary disputes and correspondence. It is evident that if I am unaware of the contents of my credit report, I am unable to effectively identify and dispute inaccuracies. In my most recent dispute, I specifically requested clarification on the method of verification for mishandled accounts, yet it seems Experian has intentionally blocked my account from accessing this crucial information. Despite assurances from the Experian representative that this matter would be resolved within 24 to 72 hours after I verified my name and address, six days have now passed without any resolution in sight. 

Such conduct is utterly unacceptable and reflects a blatant disregard for consumer rights and regulatory obligations. I demand immediate action to rectify this situation and restore my access to my credit report without further delay. Additionally, I request a thorough investigation into Experian 's practices regarding the handling of consumer disputes and the blocking of access to credit reports. 

I trust that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate measures to ensure compliance and accountability within Experian Credit Bureau 's operations. 

Sincerely,
Product: Debt collection

Bank of American Loan # XXXX he received a 60 day late notice {$1800.00} past due Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Never received statements or notice of payment.
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX Tours Agent XXXX XXXX Lied to me and told me I would be able to cancel anytime without penalty. The next day on XX/XX/2021 after signing up, I sent a text message to him telling him that unfortunately after thinking about it, that we would rather not committ at this time, but never received the FREE cruise that was part of participating in the webinar. He sent me the FREE cruise which was not free at all and no options. I then contacted him again on XX/XX/2021 because I started to get harassing calls from Monteray Financial Services saying I owed a balance. I sent him the message stating that I have been trying to email to confirm cancellation of the membership and that I am not able to pay this because of a family emergency and I had been told I was able to cancel and that I cancelled with him back on XX/XX/XXXX and I should not be receiving calls. Also attached is the cancellation policy that specifically says that I can cancel without penalty with in 3 days of the above dates which was XX/XX/2021 and I followed that by contacting him on that specific date ( see text messages ) I told him that I was reaching out to membership services through email as well several times and no one has gotten back to me. He never answer back. Then I sent him another message on XX/XX/XXXX stating again I have reached out multiple times and that I need this service cancelled. I never used an services from them and their financial company kept calling and calling about this debt that I cancelled after being told I could cancel at anytime. The agent, XXXX XXXX, never responded to me at any time and when I finally got in contact with someone, they basically told me that I was a liar and that they would never say that. I still get unauthorized text messages from XXXX XXXX trying to get me to come to another webinar and try to sell me their product in which I never wanted the first place. They can text me about that, but their agents won't get back to me and lie about membership. Then yesterday, Monteray Financial has now reported a huge balance on my credit report in which should not be there.
Product: Debt collection

Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX XXXX ( c/o : XXXX XXXX XXXX XXXX ) Account Type : XXXX Amount due : {$610.00} Date placed on my report : XXXX  Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I seen some unauthorized inquiries on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXXXXXX
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am stresses and displease that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am very upset! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I fell your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. The following items/accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX  ACCOUNTS HAVE THE SAME XXXX XXXX  WHICH IS ANOTHER ERROR ON YOUR PART. REMOVE THESE ACCTS IMMEDIATLEY
Product: Debt collection

My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX XXXX account and fraudulent hard inquiry to be removed from my TransUnion, XXXX and XXXX credit report immediately.
Product: Mortgage

PLEASE READ THE ATTACHED COMPLAINT IN SUPPORT Bank of America, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX responded to the below complaints. 

Each ignored the crux of the complaint, each passed blame upon each other, each submitted review without reviewing the complaint and documents supplied. 

In the case of Bank of American given an the opportunity to preform additional due diligence prior to responding. Instead Bank of America ignored what I told them in my opinion Bank of America instructed their employee to ignore the judicial record and any other proofs of Bank of America violations and harms, Within 31 minutes of a recorded phone conversation Bank of America supplied a pre-authored response with documents Bank of America should be embarrassed. 

XXXXXXXX XXXX response is valueless, XXXX diverts blame and ignores the judicial record and documents supplied Each and All totally ignored in my opinion a collection of gross negligence, deception, fraud, multiple examples of not owing up to fiduciary duties Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

cuenta abierta tengo con comenity bank express abierta que presenta informacin  aparece reportados pago tardos en diferentes burros de crditos evidencia en todos desde XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX tracking number letter delivered XX/XX/XXXX I sent a certified letter telling XXXX too fix my credit report XX/XX/XXXX and to remove items that aren't me or shouldn't be on credit report and it's now XXXX and still nothin has changed I'm a victim of identity theft and want my credit to be in order I can't even get a XXXX card XXXX nothin business credit card anything at age XXXX and it's ridiculous. I have sent them a list of inquires that aren't mines and I wanted removed immediately due to the fact I never signed up or gave any company my permission to post anything on my credit report those inquires are fraudulent and don't belong too me I have sent more then one letter I actually sent 3 letters to each credit bureau and it has got me no where also I have a loan from money lion on my credit report that I have paid in full XXXX dollars that is still displaying I owe them money I have my receipts and evidence to prove I have paid them in full 8 months early hoping my credit score would have a boost they only report every 3 months and it's been 3 months and my last report there stating my loan hasn't been paid in full but I'm currently paying on time I paid in full in XX/XX/XXXX my balance should be XXXX dollars. Also XXXX I did the same thing wanted inquires that are fraudulent or I didn't do or ask to be put on my credit report about XXXX inquires of places I've never been in contact with XXXX is the tracking number which my letter was delivered to XXXX XX/XX/XXXX and nothin has been cleaned up. Also it's been over two years for most inquires hard and soft that should by law already have been taken off my credit report that these credit bureau are still keeping locked on my report and I want them all removed my letter or time plus money I've spent sending them letters to fix my credit wasn't a joke and I demand to be taken seriously thank you
Product: Payday loan, title loan, or personal loan

I refinanced a loan with the understanding that the finance charge would be lower but instead they increased the amount of the loan with higher finance charges.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed from my credit file. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX BANK XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XXXX XXXX a credit card was opened using my social security number to Target department store. The store called me and I told them not to approve the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I downloaded the consumer report that Experian has on me after I was denied credit due to defamatory items that Experian has reported on me. The report is identified by Experian 's Report # XXXX. After reading my consumer report in full, I utilized the listed resources that regulate consumer protections from the report to educate myself on the laws that were created to protect misinformed and abused consumers like myself. I never gave authorization or consent to Experian to have, use or disclose any of my personal, private, or personally identifiable financial information. I've contacted Experian on multiple occasions to have these defamatory items removed from my consumer report, as this information is continuously causing me harm, financially, and emotionally, but they've yet to remove these items. If these unauthorized items remain on my consumer report after this complaint is finalized, I will have no other choice but to file suit for defamation of my character, credit reputation, damages for FCRA violations, and criminal complaints for willful invasion of my privacy and identity.
Product: Debt collection

My credit card account with creditor, First National Bank of Omaha, was closed in XXXX due to payment default. On XX/XX/XXXX, creditors attorney, XXXX XXXX XXXX XXXX XXXX, was granted an order to collect a court judgement against me to withhold part of my earnings that took affect on XX/XX/XXXX ( XXXX  XXXX ). Creditors law firm claims that I owed {$7900.00} for the principal balance, but also added interest of {$3000.00}. I am not disputing the principal balance, I am only disputing the high interest claim. 

This interest amount dates back from the COVID inception time period when I was not employed due to the circumstances of pandemic. I feel it to be very unfair and unempathetic to be subjected to pay this high interest amount that has accumulated since the pandemic. Since this judgement was first implemented and my wages started being garnish on XX/XX/XXXX, I have had a current amount of {$8300.00} garnished from my wages. This amount is more the principal balance of {$7900.00} from when the account was closed. This has created a significant financial hardship for me and family. I struggled over the last couple of years to take of my XXXX XXXX XXXX son and provide him with the basic essentials to survive. 

I am asking that original creditor, First Bank of Omaha, please have some compassion and empathy for someone who once was your customer, and stop the judgement and garnishment for the remaining interest balance, so that I can finally go back to my normal lifestyle of being able to afford to take care of family once again. Thank you,
Product: Credit card

Subject : Unjust Late Fee Charge and Wrongful Denial of Refund Comenity Bank ( XXXX XXXX XX/XX/XXXX ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Comenity Bank regarding an incorrectly charged late fee of {$75.00} on my XXXX XXXXXX/XX/XXXX account ( # XXXX ) and their refusal to issue a refund despite clear evidence that my dispute was submitted on time. 
Complaint Details : 1. Incorrect Late Fee Charged : o I made a purchase on my Victorias Secret credit card totaling {$280.00} on XX/XX/XXXX XX/XX/XXXX, but returned the full amount before the payment due date. 
o Despite the full return credit, Comenity Bank charged me a {$75.00} late fee, which should not have been applied. 
2. Timely Dispute Submission ( Filed on the Day I Closed My Account ) : o I filed my first dispute on the same day I closed my account with Comenity Bank. 
o This means my dispute was well within the required 60-day timeframe. 
o Comenity Bank acknowledged receipt of my dispute in a letter dated XX/XX/XXXX, confirming that they were actively reviewing my claim. 
o Despite this, in their XX/XX/XXXX response, they falsely claimed my dispute was not submitted on time. 
3. Multiple Follow-Ups and Phone Calls Continued Denial of Refund : o I sent multiple follow-up letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, reiterating my request and providing payment verification. 
o I also submitted a copy of my XXXX XXXX statement, which clearly shows that the {$75.00} payment was made. 
o In addition to these letters, I called Comenity Bank multiple times, but their customer service agents refused to issue my refund, despite acknowledging my dispute history. 
o Comenity Bank continues to ignore clear evidence and refuses to resolve this matter fairly. 
Request for CFPB Assistance : I request that the Consumer Financial Protection Bureau ( CFPB ) intervene and require Comenity Bank to : Immediately refund the {$75.00} late fee that was unjustly charged. 
Provide a written acknowledgment confirming the refund and correcting their erroneous claim that my dispute was untimely. 
Issue my refund via a mailed check to my address on file instead of applying it to a closed account. 
Ensure they follow fair dispute resolution practices in compliance with federal consumer protection laws. 
Attachments for Review : XX/XX/XXXX Comenity Bank Letter ( Proof that my dispute was submitted on time ) XX/XX/XXXX Comenity Bank Response ( Incorrect denial reasoning ) My initial dispute letter ( Filed the day I closed my account ) My follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXXStatement ( Showing {$75.00} payment ) I have exhausted all reasonable attempts to resolve this matter directly with Comenity Bank XXXX and they continue to unfairly withhold my refund. I am seeking the CFPBs assistance in holding them accountable and ensuring this dispute is resolved fairly. 
Thank you for your time and assistance. I look forward to your response. 
Sincerely, XXXX XXXX Address : XXXX XX/XX/XXXXXXXX, VA XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems has false information due to a report that I later found that is from fraud. I want this issue promptly resolved. The reported information is from XXXX XXXX resulting in {$2200.00} and I also had a fraudulent charge from XXXX  XXXX XXXX resulting {$2600.00}.
Product: Debt collection

This account is not mine, nor do I know whom it belongs to. 

SEQUIUM ASSET SOLUTION keeps placing collections on my credit, even when disputed thru XXXX on several occasions. 

This is the only information I have as shown in my XXXX  Credit Report : Original creditor : XXXX XXXX {$280.00} Collection opened : XX/XX/2020 Account number : XXXX Thanks for your help!