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

Subject : Complaint to CFPB Regarding Experian 's Refusal to Correct Inaccurate Address Information Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Department, I am writing to file a formal complaint against Experian for their failure to correct inaccurate address information on my credit report. Despite providing extensive evidence to support my claim, Experian has refused to remove the following outdated addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to reiterate that I have never lived at, conducted business from, or had any association with these addresses. My current and accurate residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have appropriately updated my address information in line with my current residence. To substantiate my dispute and facilitate the correction process, I have enclosed copies of my utility bill and driver 's license as proof of my current address. 

Experian 's refusal to correct this misinformation is not only a violation of the Fair Credit Reporting Act but also undermines the accuracy and reliability of my credit report. Furthermore, I have been unjustly restricted from disputing this personal information through Experian 's customer portal. 

I urge your agency to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly by using the appropriate Credit Fair Reporting Act codes. It is imperative that my credit report accurately reflects my current address to prevent any further discrepancies in my financial transactions. 

Thank you for your attention to this matter, and I look forward to a swift resolution to ensure the accuracy of my credit report.
Product: Debt collection

I am writing to dispute fraudulent accounts recently discovered on my credit report. The following account is unauthorized and damaging to my creditworthiness XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via Zelle to the individual, who was soliciting their services, on XX/XX/2021. Nearly XXXX weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My Zelle account was then deactivated, I reached out to my bank who transferred me to Zelle Customer Service because they stated their was nothing they could do. Zelle also advised me that there was nothing that could be done to reactivate my Zelle account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.
Product: Credit reporting or other personal consumer reports

I requested a Debt Validation on this account citing 15 U. S. C. 1692 ( g ). They didn't provide the information that was requested, which was : 1. Detail list of payment made by me on this account.

2. My signature that I put on a contract guaranteeing that I will pay this creditor.

3. I'm asking to see if any insurance claim has been filed on this debt.

4. I would like to see poof you have the chain of title to collect on this debt.
Product: Credit reporting or other personal consumer reports

To Whom it may concern. 
My name is XXXX XXXX, and I am a single father that is simply trying my best to do what I can with my son and me. the improper use of my credit report and the improper and incorrect use of my information has severely damaged my life. 
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 # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy and these inaccuracies are stopping me from the ability to find a decent home for my small family 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 which they have constantly done.

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 and some of these are 10 years old. 

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.

I don't believe it is inaccurate I know it is from the proof I will provide below.

I know whoever is reading this it is not your fault, but I need your help. I am just trying to be better for my son.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies Experian, XXXX, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of Experian, XXXX, and XXXX to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by Experian, XXXX, and XXXX. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran a background check on me and shared the results and it came back with inconsistent information due to someone else shown using my SSN. I am the true owner of the SSN and have a lifetime of passports, paystubs and i9 verifications to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have discovered that XXXX XXXX XXXX ( Account Number XXXX XXXX ) has been added back to my report after I disputed the inaccuracy of the account in the past and had it removed. This unexpected reinsertion of the item is in violation of the Fair Credit Reporting Act ( FCRA ), which states that an item can not be reinserted onto a credit report without written notice by a credit bureau to the consumer within 5 days of the reinsertion. As such, I demand that this account be deleted from my report immediately in accordance with the FCRA. 

Please send me an updated copy of my credit report once this account has been removed. Failure to take appropriate action will result in legal action. I am well aware of the rights granted to me by the FCRA, and I intend to see that my rights are respected. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX, transunion, and XXXX. The credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions : rules The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


I would like to know who did they talk to? 

How did they complete this investigation?
Product: Credit card or prepaid card

Care Credit ran a promotion this summer XXXX. Get a free XXXX fitness wristband. Between XX/XX/XXXX and XX/XX/XXXX, open a new CareCredit credit card, make a purchase of {$200.00} or more, and register with XXXX XXXX. However the promotion add doesnt state the value of the XXXX in its promotional advertisement. This promotion is misleading. After two statement cicles Care Credit will sent you a redemption code which they create in their system and do not send to their participants after many calls to customer service they tell Yes I see you applying however the promotions has expired and the value of the XXXX is {$40.00}. I follow up on every step and never received my redemption code until I called XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts listed below multiple times. I have sent many letters and these accounts have remained on my credit reports. In accordance with the Fair Credit Reporting act these XXXXXXXX accounts have violated my rights. 

1

5 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 XXXX XXXX XXXX Account number XXXX XXXX DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

Original complaint ( XXXX ) 1. Equifax did NOT send the required documents but gave a lengthy response which is not an updated consumer report nor an updated score as requested. 
2.Equifax did NOTpay for their violations of Consumer Law per the demands in my original complaint. 
It's as if they are avoiding being held responsible for their actions and NOT paying what the law clearly states. 
Equifax is already facing legal action filed against them by the CFPB for 12 USC 5536 ( a ) ( 1 ) ( 4 ) - ( B ) File No. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, on their website has asked me for information in order to place a freeze on my XXXX year old dependent child 's credit file. The website asks for certain identifying information, which I have provided, however they are asking for more identification which is not inline with the website. One of the items that they now need from me is a certified copy of my child 's birth certificate their website asks for a copy of the birth certificate for proof that I have authority but not asking for a certified copy. I provided a copy, not certified as the law is clear that I should not have to pay for a credit freeze and this would cause me undue expense. Later on the page I am asked for identifying information for me and for my child one of the identifying pieces that I could give is my child 's ssn, which I provided on the letter that they received for request for freeze. I also sent a copy of my driver 's license as proof of my identification, which they asked for. I had sent the three items they asked for but now they are saying that they want more proof. I feel that they are not living up to the law and are attempting to not put a freeze on my child 's file so that they can continue to sell his information. I am only requesting these freezes on my family 's credit as to protect lenders from being ripped off as I am not afraid of identity theft, it's not my responsibility to protect the banks, it's their responsibility to not get defrauded. However, I am doing my best to be a good citizen and help the banks to not get ripped off and TransUnion is going out of their way to not honor the new law for a no-cost credit freeze. They are attempting to cost me undue expense for " certified '' copies of documentation. Please do what you can to make sure that they provide no-cost credit freezes without undue expense. 
After speaking to a person at TransUnion, they made a note that I had provided what was asked on the website but I am now being asked for more information. I have offered to fax them more documentation and they handed me over to a supervisor. The supervisor was little help and said that I'd have to call back because they could not access my son 's file at this time and that I should try again in a few hours. I am getting the run around on this and don't want to waste too much of my valuable time. Again, please help in dealing with this bureaucracy, thank you.
Product: Credit reporting or other personal consumer reports

Recently I checked my consumer report and noticed items to be inaccurate on my report. 
15 U.S. Code 1681e - Compliance procedure ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Taken directly from out of the IRS 2021 publication.

The IRS clearly defined a charge off as gross or ordinary income.

INCOME DOES NOT GET REPORTED ON THE COMSUMER REPORT.

Which in fact makes your reporting of this account inaccurate.

By, definition the IRS Cleary says a cancelled or charge off is income. Reporting this account as a debt is inaccurate.

Which in fact your reporting of this account inaccurate!

The IRS clearly says a cancelled debt or charge off is income. 
The reporting of this account as a debt is inaccurate. 
The above paragraph was taken directly from out of the IRS 2021 publication. 
Delete this inaccuracy from my consumer report immediately.
Product: Student loan

My stafford direct subsidized and unsubsidized loans were transferred to PHEAA because I work for the Federal Government and am pursuing the Public Service Loan Forgiveness ( PSLF ) plan. I am on the Income Based Repayment ( IBR ) plan. My employer paid {$5000.00} to my servicer on XX/XX/XXXX as part of a retention benefit, reducing my principal. I had turned off " pay ahead. '' On XX/XX/XXXX, I noticed that my repayment amount under IBR ( which has been revised to the standard repayment amount, due to my income ) remained equal to the amount in past months when principal was much higher. I contacted PHEAA, who via their frontline employee and supervisor Ha, ( PH XXXX ) insisted that in order to have my monthly payment amounts reflect the newly reduced principal amount, I must leave IBR and switch to standard repayment. Although I insisted that this made no sense since IBR repayment amounts are capped at the standard repayment amount and this means that given the lower principal amount, I am now being overcharged, they refused to admit that this contradicted Dept. of Ed. Rules regarding IBR repayment. PHEAA insisted that unless I switch to standard repayment, I will continue to be charged the monthly repayment amount that corresponds to much higher principal. PHEAA services all loans under PSLF. As a result, this practice is not only directly harmful to not only my eligibility for PSLF ( as I will be overpaying and ultimately eligible for less PSLF forgiveness ), but to all public servants. These practices run contrary to the basic principle of IBR repayment, that it should not exceed the standard repayment amount, and contrary to guidance that IBR is the best option for PLSF, solely administered by PHEAA. I appreciate your assistance in resolving this before my first overpayment would be charged this month ( on XXXX XXXX ) and ensuring that no other public servants have their benefits under PSLF unfairly affected by PHEAA 's deceptive practices. I also submitted a complaint to the student loan ombudsman on XXXX/XXXX/16, reference # XXXX. Thank you.
Product: Debt collection

The Company is called JTM Capital Management. On XX/XX/XXXX, my grand mother was called and informed of my personal information, and debt amount. I quickly called the Debt Collector that left her number, and explained that was she was calling an XXXX XXXX XXXX women and disclosing my personal information. I was told that this would not happen again, and I repeated my phone number as a source of contact until I could get this resolved. Three days later, my mother 's place of employment was called, again telling her coworkers that I owed a debt, the amount, my address, my date of birth, and other personal information. I called again, and was told by a women that they are not doing anything wrong, and that I am about to be sued by the original credit holder. I called the original credit holder, and was told that they are absolutely not suing me, and that this account was sold to debt collection agency that has no authority lying about suing!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent a dispute to Transunion regarding a public record of bankruptcy reporting on my consumer report. I received a response on XX/XX/ stating that it was verified when I spoke to a representative, i was told that it was verified through XXXX XXXX. I then called XXXX XXXX and they verified that there are NO bankruptcy records for me in there records. XXXX XXXX provided me with a copy of my report and it shows no bankruptcy records as well .I also contacted the court and they informed me that they did not report to any credit bureaus.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX, at my direction wired {$4500.00} dollars to a supposed company in XXXX XXXX, who used Wells Fargo bank as the depository. One last call to the XXXX XXXX police department alerted me to the fact that this company was fraudulent. 

An immediate call from me to XXXX was made to either stop or rescind the wire transfer. XXXX immediately issued a message to Wells Fargo to withdraw the wire transfer, providing Wells Fargo ample time to to follow the directive from XXXX to rescind. This entire send/rescind episode happened within approximately 72 minutes. 

Wells Fargo ignored the XXXX request and allowed the perpetrator to withdraw the money, it is believed several hours later, knowing that the entire incident was possibly a scam, which would have allowed the XXXX XXXX Police Department time to investigate the matter further which they were more than willing to help, according to the investigating officer, immediately.
Product: Checking or savings account

I deposited {$140000.00} into my checking account on XX/XX/2022 and they froze the deposit and will not open the account. They keep changing there story.on why the can't release the money. This money is sitting in a non-interest bearing account and by my account they owe me and my wife {$2800.00} in interest at XXXX XXXX per month times XXXX  months, Not to mention all the time, grief they have caused.
Product: Vehicle loan or lease

I filed a bankruptcy chapter XXXX that was converted into in chapter XXXX. If there are assets I want to surrender or keep, The legal process requires me to file a bankruptcy form, I filed a request to reaffirm my debt for my vehicle, XXXX XXXX XXXX. and USAA denied the request. I then filed a request to surrender the vehicle which they also denied, I believe according to the Federal Bankruptcy Laws, I am entitled to one or the other, Why was I denied both request,
Product: Debt collection

They call me multiple times per day and when I answer most times there is no one on the line to take talk to. After receiving five call in one day with in a few hours of each other, I answered and someone was there to speak to. I told him to put me on do not call, I would call them when I had the money to pay my debt. He told me " I will not take you off the call list and you will continue to get calls '' he then hung up on me. Since this phone conversation the collection company continues to auto dial me several times per day.