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

Experian and XXXX have failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. The following XXXX  aka XXXX  removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Failure to delete items that were disputed as debts which resulted from identity is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to fail a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

XXXX  's enrolled me in a third party scam called XXXX XXXX. XXXX XXXX have charged me various fees ranging from {$10.00} to {$8.00} that would change each month on top of their 25 % + interest rate. I had lost my card and went in to the store on XX/XX/XXXX to have another one mailed to me. They auto enrolled me in a program called XXXX XXXX. I never gave consent verbally or written of this program. No one in the store informed me that they were enrolling me in a program called XXXX XXXX  or that there would be any additional fees associated with my credit card account besides my already absorbent interest fee 's. I have tried contacting XXXX XXXX six times trying to get the fee refunded to my account. When I contacting the XXXX XXXX  credit card department they will always transfer you over to the third party XXXX XXXX company and they will deny everything and will send you an identical letter letting you know that nothing can be done and that they will not reimburse you for any of the fees that they have charged. I have felt powerless many times in this situation. No one is accountable, thus it is a major scam that has affected many hard working American families for many years. XXXX XXXX should solely be responsible since they let the wolf into the room and sold them my valuable information in the first place without customer consent and tacking on all the fees ranging from {$10.00}, {$9.00}, {$9.00}, {$8.00}, and would even stop it abruptly just to tack it on the following month always rotating fee amounts for the purpose of concealing it from the customer. They stopped the fee 's in XX/XX/XXXX just to start it again in XX/XX/XXXX. changing monthly to keep the scam up onto our credit card. I felt like a fool because I never noticed for a long time. From XX/XX/XXXX to XX/XX/XXXX they charged me XXXX onto my account. I have been scammed before with identity theft up to 10,000 and it does not feel good to be robbed.I froze all my account back in XX/XX/XXXX so I would have no need for XXXX XXXX. My daughter lost her father to XXXX a few years ago. It makes me sick that XXXX XXXX is prying on a single widowed mother who is barley making it as is. XXXX XXXX Number is XXXX and XXXX XXXX 's number is XXXX. They did nothing for me at all and I do not wish to ever return to XXXX XXXX since they are solely responsible for the $ XXXX+ they stole from me. Additional They want {$3.00} for each billing cycle to receive each statement spanning XX/XX/XXXX to XX/XX/XXXX so it would almost ruin my attempts to receive reimbursement. They then further refused my attempts to receive my statements when I asked and had to be transferred to a Superior and only 3 statements could be reported back to me for free. I am getting nothing in return from XXXX XXXX. I am just getting ripped off. This is a terrible affront to their loyal customers. XXXX XXXX   is filled with scam artists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft and I have attached an letter pertaining to all accounts relating to this matter.
Product: Credit card

Me and my wife accounts by capital one were closed out without warning to us. the reason for the accounts being closed, I was told to due to return payments on the account. Which during the time it was happening was cause our checking account with a other bank was having issues with our funds we were having, and it was one of the reason payments were getting returned, but the other reason was because my dad being the hospital put a major stress on me and my wife, and we were doing everything we could to survive from the week. but we finally got a pay day, and was able to make a payment on all the credit cards we have with capital one to make them all back within there balances, and would be in good shape. but then we notice our accounts on both mine and hers were all closed and locked out! Which not once were we ever warn about them saying they would close our accounts, or this would happen. we always made our payments on time with this company, and even had cash back on our cards that now is lost too that we earn and were saving. When I called them they were no help, and would not give any help with trying to fix the issue. I'm really upset about this!
Product: Credit reporting or other personal consumer reports

I haven't given any permission to the consumer reporting agencies of any bankruptcy on my report from XXXX, XXXX, TransUnion etc... .I am requesting for deletion from credit report. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer.I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Comgress that each financial institution has an affirmative and continuing obligation to respect privacy of its customers and to protect the security and confidentiality if those customers ' nonpublic personal information.
Product: Credit card or prepaid card

I opened the NetSpend pre-paid account for the direct deposit of the CARES Act payment. 

I updated my information on the IRS Economic Impact Payments website at. Please see attached. XXXX XXXX XXXX XXXX XXXX   Dear Non-Filers : Enter Payment Info customer : Congratulations, the IRS has accepted your Non-Filers : Enter Payment Info return. 
Your Submission ID is : XXXX If you haven't already, it's always a good idea to print a copy of your return for your records. 

Check the IRS website for the latest info on payment timelines at XXXX : XXXX To confirm your return status, log in to your Non-Filers : Enter Payment Info account at XXXX : XXXX XXXX XXXX and select the " Check E-File Status '' button. 

Payment Status. 
XXXX XXXX XXXX We scheduled your payment to be deposited on XX/XX/2020 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 
On XX/XX/2020, my account ending in XXXX was closed for fraud after I sent in the requested documents for verification. Please see the attached documents. 
I have contacted the IRS about my CARES Act payment that was deposited into this account and they have no issue. 

I was told nothing could be done to reopen my account so my remaining balance of XXXX would be mailed to me within 7-10 days. I gave my information and verified my mailing address and waited for my check. On XX/XX/2020, I received a check in the amount of XXXX. 

I called customer service on XX/XX/2020, to request my remaining XXXX balance be mailed immediately. I was told that NetSpend was investigating my direct deposit funds ( CARES Act payment ) and would mail a check for the remaining balance of XXXX after 60 days. I said that is unacceptable they already investigated my account and closed the account and by law, they are to mail me my full balance within 7days of the account closure. A supervisor then said my issue would be escalated to the global team and they would call me within XXXX with more information. 

As of today XX/XX/2020, the corporate global team contacted me via telephone ( XXXX ) and stated the funds will be released after the IRS has contacted them and verified it is not investigating me for fraud. 

I have attached the correspondence history, the call history and the IRS documentation for your convenience.
Product: Debt collection

I have no knowledge of this account at all as far as opening it. I just settled this debt with XXXX XXXX , XXXX in XX/XX/XXXX. Now it has been added back without me even recieving notification via mail about the debt, just an alert from the credit bureaus XX/XX/XXXX. The company has not answered calls, or responded back to messages. I am attempting to close on a home, and this unidentified debt has impacted the process tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : $ XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

XXXX and/or Experian continue to report derogatory status for account included in Chapter13 filing XX/XX/XXXX with the discharge date in XX/XX/XXXX as the most recent derogatory and/or late payment negatively impacting my score and account history. 

I have filed the following disputes with Experian : XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also contacted XXXX multiple times but requested investigation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( DENIED ), and XX/XX/XXXX. 

XXXX Bankruptcy XXXX confirmed the account would have been reported to XXXX, XXXX, and Experian with the same information as it was included in Chapter13 Bankruptcy, Closed with a {$0.00} balance, and no additional updates beyond XXXX  Although it may be based on the disputes, XXXX XXXX XXXX has reported the discharge of XX/XX/XXXX as the Status Update ( Derogatory and/or Late Payment )
Product: Credit card or prepaid card

On XXXX, I received a US Bank Reliacard debit visa I neither applied for or want. I tried several times to call the company and cold not get through their automated call answering service to cancel the card.
Product: Bank account or service

Following information has been submitted XXXX : Contributor : SUNTRUST BANKContribute Reference # XXXXAccount # XXXX Date XX/XX/XXXXContribution Reason : Transaction ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 


I have never attempted to transact with an account in an unauthorized or prohibited manner. Such FALSE statement on file is prohibiting me from doing business from other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue before and you know that you are breaking the law. Any transaction or experience between the consumer and the person making the report Shall NOT be reported on consumer reports. 

There are four attachments to this complaint. Please take the time to open them up and read them so that we may resolve this issue. There are congressional findings and definitions giving proof that the information about XXXX XXXX shall not be reported on my consumer report. This is very embarrassing to even go through this process, my character is being defamed and my privacy is being seen by anyone who tries to access my credit report. Please have this issue resolved within 4 days. I have already wasted time trying to have this issue resolved and I can not get that time back. 

I will be awaiting your response in the next few days. I am trying to purchase a home and this is slowing me down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXX Bank Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

The first phone call from a collection agency I was told that I didnt pay my bills and that they were going to have to do what they have to do. Suggesting damaging my credit because they were aware of me working vigorously hard to fix my credit after my bankruptcy. The agent from the collection agency on that call was very aggressive and condescending. Two times I was threatened that my credit will be severely damaged if I did not make payment or set up a payment arrangement. After that phone call I contacted the original creditor and set up payment arrangements and explain to them that I do not want to have any interaction with the collection agency because of the first contact with that collections agency. I never Received any written correspondence from the company. The collections agency only contacted me three times. But after the first contact as I stated I wanted to deal with the original creditor. In agreement was made for monthly payments. In the agreement was in good standing that agreement from the original creditor was communicated via email to the collection agency. And the collections agency had no regard for that agreement.
Product: Credit reporting or other personal consumer reports

I don't recognize the following inquires on my equifax report. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> I have filed an identity theft report Want these removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a negative XXXX account that is reporting inaccurate information. Experian has refused to due a proper investigation on this account by not allowing me to dispute the inaccurate information.
Product: Credit reporting or other personal consumer reports

Tried to login to my Experian account. They cant verify my information and ask you to call. Call and there are no live representatives, no live person to take calls. Unable to speak with anyone or access website so whats the point of Experian? If they cant provide access to your information, what is their purpose? Terrible company and service ( non existent )
Product: Checking or savings account

One of the account holders, who unfortunately, is not very familiar with bank policies or what type of information a bank institution can request over the phone, provided information under the impression that " the bank '' was contacting him due to suspicious activity on the account. He provided information that should have not been given and a few minutes later there were a total of 3 fraudulent XXXX withdrawals made on XX/XX/2019. One was in the amount of {$160.00}, another in the amount of {$750.00} and another in the amount of {$750.00}. 

A claim was filed with the bank institution immediately once these transaction were noticed on the account. However, we recently received notification that this claim has been denied and we will have to pay {$750.00} back to the bank.
Product: Debt collection

Company violated Maine Fair Debt Collection Practices, Chapter 109-A, Subsection 2, 11011 which states in 1.B that the debt collector will " Not state that the consumer owes any debt '' to anyone other than the consumer when trying to locate them. It is clearly stated that a debt is owed. This is validated in their response that they did contact a random number and the attached image shows they did disclose that a debt was owed. 
" XXXX XXXX not intentionally contact your wife. XXXX XXXX to contact you via text message at phone numbers believed to be good numbers to reach you. The text message identified you and the name of the creditor, but no information about the debt. '' The attached image shows that it was disclosed that a debt was owed and by the companies own admission quoted verbatim above, it was a number " believed '' to be a good number to reach me which proves that they were just sending text to numbers that " may '' be associated with me. Who knows how many other text were sent with the same information to other numbers that I don't know about. 

Original complaint and companies response were filed under XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the request that I sent to XXXX and Trans Union on XX/XX/2018. In the letter, I requested that the two agencies request errors on my credit report. They were supposed to respond within 30 days, but they have not.
Product: Checking or savings account

On XX/XX/XXXX, I schedule a transfer from my Marcus Goldman Sachs ( or MGS ) ( the account with the issue ) to take place on XX/XX/XXXX for a total {$13000.00} to my XXXX XXXX  account. On Wednesday, I learned that MGS could not verify my XXXX information- which is absurd because not only you are not allowed to add a new linked bank account if it is not verified - let alone go through with a scheduled transfer, but also I did do transfers to that ( supposedly unverified ) account in the past! so the transfer did not go through. Instead of offering to transfer to my other bank account registered with them ( XXXX XXXX XXXX XXXX XXXX ), they also blocked me all access to my account telling me -as evidenced by a recorded call, that my access has been restricted. This is the money I set aside to pay my taxes, which I am having an issue doing. TO add to my stress, no transaction is showing up in my dashboard after XX/XX/XXXX, including withdrawals by my credit cards, vehicle payments, or money coming in such as XXXX from my Employer, which took place on Friday. Since this bank does not have a physical presence ( only online ) effectively I dont have access to my money. In the screenshot attached, you can see that no transaction is shown after XX/XX/XXXX ( although there should be several, as described ), with the exception of another attempted transfer that I initiated today but which did not effect yet.