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

I made a phone call on XX/XX/year> and XX/XX/XXXX to their fraud department asking to remove incorrect information. 
letter XXXX to Experian was sent on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX to verify or remove accounts and incorrect addresses. They claimed XXXX is reporting an address but that account was closed and hasn't reported to my report for almost XXXX years. 

I am requesting your assistance with this serious issue concerning Experians failure to comply with federal regulations regarding the accuracy and verification of information on my credit report. I have discovered several charge-offs and transactions on my credit report that I believe are inaccurate and have not been properly verified by Experian. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate and verify disputed information. Experian has not provided the necessary verification documents for these charge-offs within the legally mandated timeframe. 
Additionally, 15 U.S.C. 1681a ( a ) ( 2 ) states that any report should contain information solely related to transactions and experiences between the consumer and the person making the report. This implies that charge-offs reported by Experian must be based on verified and documented transactions. However, Experians failure to provide such documentation suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) outlines that a consumer reporting agency may furnish a consumer report only under certain permissible purposes, and only with written authorization from the consumer. I have not authorized any creditor to add negative, inaccurate, or harmful information to my consumer report.

Moreover, the provisions of 15 U.S.C. 6802 require financial institutions to disclose the potential for sharing personal information and provide an opt-out option. Experians lack of compliance with these requirements further undermines the integrity of the reported information.

The charge-offs in question appear to be in direct violation of these legal requirements. As such, I am entitled to seek damages for this willful non-compliance, as stipulated under 15 U.S.C. 1681n, which allows for a claim of {$1000.00} in damages for each instance of non-compliance. 
I request the CFPBs intervention to ensure that Experian adheres to these legal standards by removing the inaccurately reported charge-offs from my credit report immediately. Enclosed are copies of my correspondence with Experian and relevant documentation pertaining to my disputes. 
Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and restoring the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from XXXX that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today 's date is XX/XX/XXXX. I am trying to clean up my credit report and get rid of all the wrong information. Equifax is still showing XXXX XXXX XXXX from XX/XX/XXXX which they agreed to remove back in Late XXXX of XXXX. The reason for the removal is i never authorized and fraud had taken place. Equifax had told me they would remove this from my credit report if pen didn't respond within a certain amount of days which they didn't. I have tried to call equifax on this matter but i can never get a live person on the phone for the past few weeks.
Product: Vehicle loan or lease

On XX/XX/year> XXXX XXXX Applied for employment with XXXX driving services and contacted online representatives via chat to update the driving region to Texas as XXXX XXXX recently relocated to Texas days before XXXX. The XXXX representative DENIED the request for employment because the vehicle was registered in Florida. XXXX Explained that permanent residence was pending and by law XXXX had 30 days to complete registration. The representative denied employment and shared the private information ( Location ) of XXXX XXXX to Santander Consumer USA who repossessed the vehicle. This is a violation of 15 USC 1692c
Product: Debt collection

Dear CFPB Representative, I am filing a formal complaint regarding an account listed on my credit report as Department of EducationXXXX with the account number ending in XXXX. 

Description of the Issue : XXXX. Balance Discrepancy : The reported balance of {$23000.00} does not align with my records and appears inaccurate. 
XXXX. Payment History Issue : The reported payment history contains inconsistencies and does not reflect the actual status of my account. 
XXXX. Account Status Discrepancy : The status indicates Deferred payments begin XX/XX/year>, yet there are conflicting records showing ongoing account activity. 

Actions Taken : On XX/XX/year>, I sent a dispute letter directly to the Department of EducationXXXX requesting validation and correction of these discrepancies under the Fair Credit Reporting Act ( FCRA, Section 611, 15 U.S.C. 1681i ). 
Despite submitting this request over XXXX  days ago, I have not received a response, validation of the debt, or any resolution to this issue. 
I have also contacted other consumer reporting agencies to address these inaccuracies, but no verification or resolution has been provided. 

Requested Resolution : Under the FCRA, I am requesting : XXXX. A thorough investigation into the accuracy of this account. 
XXXX. Documentation validating the accuracy of the reported balance, payment history, and account status. 
XXXX. Immediate correction or removal of inaccurate information from my credit report if it can not be verified. 

I have attached relevant documentation supporting my claim, including copies of my dispute letters and highlighted sections of my credit report showing the inaccuracies. 

Thank you for your time and attention to this matter. I look forward to a prompt resolution and a formal response from both the CFPB and the Department of EducationXXXX regarding this complaint. 

Sincerely, [ Your Full Name ] Enclosures : Copy of dispute letter sent to Department of Education/XXXX XXXX credit report showing the discrepancies
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.I told the Experian, XXXX and XXXX to reinvestigate these accounts XXXX XXXXXXXX however, they stated that everything was complete and accurate.But how is that possible if the open date, date of last activity and much more is incorrect.according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 15 U.S.C. 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 7 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 the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint is about XXXX XXXX. When they call numerous times a day, their phone number comes across as " Restricted ''. When I reject the phone call, they immediately call again, sometimes multiple times in a row. I have asked them to quit calling me and to send me correspondence through the mail, and they have failed. I have asked multiple times. The amount of times they call a day I would consider harassment. It is completely over the top. 

Here 's the call log : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX I have more history if you would like, just let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX US DEPT ED XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$650.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an incorrect coding of the XXXX XXXX partial account numbers XXXX. This account needs to be coded as an M1. ( Please see pages 6 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report I am writing to formally dispute the inaccurate information on my credit report that is negatively impacting my financial well-being. I am well aware of my rights under the Fair Credit Reporting Act and am requesting a thorough investigation into these inaccuracies, as mandated by Federal Law. 

I recently learned that the Consumer Financial Protection Bureau has filed a lawsuit against Experian for its failure to adequately investigate consumer disputes, citing " sham investigations '' and other illegal practices. 

These practices, as outlined by the CFPB, include : - Conducting insufficient investigations that do not properly address consumer disputes. 
- Reinserting previously disputed and inaccurate information without explaining. 
- Failing to notify consumers about the results of investigations effectively. 

These allegations reveal systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled similarly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will highly appreciate if you could help me solve this issue. I am sending this CFPB Complaint to inform you that the 3 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am beyond frustrated trying to correct what has been stated will be removed still showing on my credit report. My previous case here at cfpb where the case was closed with non monetary relief and the promise to delete XXXX XXXX from my credit report is XXXX XXXX. The account listed XXXX XXXX was opened with fraud and I have already gone ahead and had it disputed and investigators determined they will delete it from my credit files. It is still showing on my equifax and this needs to be deleted immediately as it is vilating my rights and specific laws.i have also attached my FTC identity theft report in which the fraudulent XXXX account was listed.
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 XXXXXXXX XXXX XXXX : ACCT # XXXX, XXXX XXXX : ACCT # XXXXXXXX XXXX XXXX  : ACCT # XXXX and ACCT # XXXX, XXXX XXXX XXXX ACCT # 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: Checking or savings account

On XX/XX/XXXX, at around XXXX, I received 2 unauthorized charges to my debit card. One in the amount of XXXX and the other is the amount of XXXX. I immediately contacted XXXX whom told me that the charge came from another device, not my personal device, but my card was not on file but because the device was logged into my XXXX ID, they were able to charge my card. I filed a dispute with XXXX, they in return approved the {$100.00} refund but denied the XXXX refund. I was not given a reason for the denial besides due to companys policy. On XX/XX/, I filed a dispute with my bank. Usually, youll get a confirmation email stating that they got the dispute and will be working on it. For over a week, I didnt receive anything from my bank, not even a confirmation. I called into customer service twice to have someone respond to my dispute. After over 2 weeks, I finally got a response from the representative XXXX XXXX. He asked me to provide him with proof that I attempted to resolve this matter with XXXX, which I provided at that time. He then asked me to reach back out to XXXX to see why they denied my claim in which I responded when did it become protocol for me to find out why they denied the claim?. Ive filed plenty of disputes and havent never had anyone ask me to go back and forth with the company. Its the banks job to investigate. After I sent that message, XXXX XXXX became very dismissive to my concerns. He stopped responding to my emails and when he would respond it would be very matter of factly. I had to call into customer service on multiple occasions just to get him to respond to my emails. I asked for a supervisor to reach out to me on multiple occasions. A provisional credit is supposed to be provided after 10 days. Its been over 3 weeks since I filed this claim and I have gotten no where.
Product: Credit reporting or other personal consumer reports

Compromised XXXX XXXX XXXX Date found on dark web XX/XX/year> Additional info found with this breach Identity Information First Name : XXXX XXXX Name : XXXX  Last Name : XXXX Phone Number : ( XXXX ) XXXX Contact Information Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX received this alert on my credit report. This person has access to my social security number. I do not know them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not accurate with they information u can never get one otp to help they score is way different from the other two credit company they refuse to delete secondary company but got original one deleted they moving to slow and what they doin is illegal and I did not ask to share my info which is illegal not with my consent
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. XXXX XXXX XXXX XXXX.
Product: Debt collection

MARINER FINANCE XXXX {$2100.00} I submitted a police report showing that the account did not belong to me. They removed the account from my credit report and in return sold my information without my permission to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, removed it and submitted it to another collection agency that they own and the process starts all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX was transferred to XXXX without notifying me , which is in violation of my rights. It seems that the bureaus and the creditors disregarded my several complaints and letters requesting for the validation and proof of this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means.
Product: Debt collection

I started to receive correspondence from National Recovery Agency for medical bills my ex-wife had acquired, I contacted National Recovery Agency to the matter, they claimed it was my responsibility, I gave the bills to my ex-wife and told her to take care of the matter, After that I never heard from National Recovery Agency again, on XXXX XXXX, 2015 I ordered my credit report and their were XXXX open collections from National Recovery Agency, again these are not my bills, thank you for any help in this matter