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

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXX, with the account number XXXX and a reported balance of {$480.00}. On XX/XX/scrub>XXXX XXXX I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice.

2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed. 
3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX XXXX XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for an XXXX XXXX from XXXX on XX/XX/year>. 
XXXX sent a credit inquiry to Experian and received a XXXX XXXX report of XXXX. 
My actual Experian XXXX XXXX on XX/XX/year> was XXXX as reported by their website ( www.experian.com ). 

I was unable to close the loan at the quoted rate due to the incorrect XXXX XXXX reported by Experian. 

I called Experian on XX/XX/year> and spoke to XXXX representatives. None of them were able to get the information reported to XXXX on XX/XX/year> or explain the discrepancy in the reported information.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit card or prepaid card

XXXX BANK OF AMERICA notification CARD ENDING - notified Im over 30 days delay for XX/XX/2022 payment if XXXX. 
- Monthly payment was send to the bank via their own ATM. unit on site on XXXX. 
- Never been late before - BOA. notified the 3 credit reporting co. Resulting XXXX points reduction from my XXXX reporting, unable to apply for mortgage - FALSE REPORTING AND DELAY ON BOA. PART - delay accusation must be removed - Contacted customer service 4 times, long delays and transfer to different depts. follow by disconnection
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021. 
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. XXXX XXXX XXXX, XXXX, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency. 

Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original Creditor XXXX XXXX Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them. 

The results of each investigation follows : XX/XX/2021. XXXX  XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. XXXX  XXXX XXXX XXXX cleared the collection account and deleted it from my report. 
XX/XX/2021. Equifax Credit Reporting Bureau upheld the collection account and stated they investigated and XXXX XXXX provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer. 
XX/XX/2021. I sent a formal request for verification to XXXX XXXX XXXX by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to Equifax.
Product: Credit card or prepaid card

Avant- Credit is charging me XXXX late fees even though I have no credit card to use and making monthly payment which just steal XXXX fees I have a {$500.00} credit limit, I made all payment and they just charge late fees Do you job, get off your XXXX and protect Americans The FTC had already XXXX settlement for fraud, why are you letting this company ripped off XXXX XXXX and XXXX  They charge are me XXXX late fees this alone at XXXX which is XXXX dollars I think the XXXX XXXX XXXX XXXX  this company and conspiring with them to steal from Americans under the protection of government immunity since there are stealing late fees But I guess we can put my case with the XXXX XXXX XXXX since he stealing and the government has done nothing. 

XXXX XXXX  ask for his government Do you Job and protect Citizens from these predatory companies Payment records included Avant Credit Web Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me 120 days past due on XXXX - partial account number XXXX. Transunion is reporting me 120 days past due on the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due status. It is impossible to be 120 days late on accounts that have a {$0.00} balance and {$0.00} past due amounts. I have contacted the two bureaus to have this fixed. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized account that is currently reporting to my credit report. I have never had an XXXX account, nor have I ever authorized any transactions related to such an account. 

I have attached a copy of a police report and an identity theft affidavit documenting the unauthorized use of my personal information to open this account. These documents provide evidence that I am not responsible for the account activity and that I have been a victim of identity theft. 

I have previously contacted your customer service department regarding this issue and have requested that the unauthorized account be removed from my credit report. Unfortunately, I have not received a satisfactory resolution. 

I kindly request that you investigate this matter promptly and take the necessary steps to remove the unauthorized account from my credit report. Additionally, I would appreciate it if you could provide me with detailed information regarding the account, including the date it was opened, the account number, and any transactions that have been made.
Product: Vehicle loan or lease

Hello, This is in regards to the BMW of XXXX, MA service center installing a faulty radiator in my car XXXX which they have admitted to in writing ) and are refusing to fully compensate us for the damages. 

Attached you will find the emails, texts, service order invoices, time stamped and dated screenshots of my cars warning lights after multiple consecutive failed service diagnosis regarding the same radiator issues, a independent diagnosis from XXXX confirming the smoke and engine damage were possibly coming from the damaged radiator, and a invoice for the real damages fromXX/XX/XXXXXXXX  BMW in Maryland. 

My compliments to XXXX  BMW for diagnosing the smoke/engine failure issue within just a few hours of dropping off. As you can see in the notes of the service orders I had asked BMW XXXX to diagnose the smoke smell and same issues over three consecutive services, which they did not! XXXX  BMW immediately called us and said our car was no longer safe to drive on the highway. 

This means BMW of XXXX let my fianc and I drive away in a unsafe car after charging us thousands of dollars for service that never fixed the issue, yet completely damaged my engine which I serviced regularly and loyally at BMW service centers. 

As you can see in the attached documentation ; not only did BMW of XXXX install the faulty radiator they admitted to doing so in the attached emails and let us drive around with this defective part for 9 months. ( Unsafely ) As you know a faulty radiator is the way the engine stays cool and hence properly lubricated by keeping the oil temperature at safe levels. This most likely has cause irreparable harm to my cars engine and the expenses are much more than the car is worth. Ive taken really good care of this car at BMW service centers consistently since we have owned it and Ive put my faith in them to keep my car from damaging it self and possibly harming us in the process. 

My fianc and I had to get a hotel for two nights near the XX/XX/XXXX BMW service center, and had to rent a car to be able to drive back home to the XXXX area. Now we are stranded here without our car trying to recover from the covid-19 pandemic and feel abandoned and left with out any options. We are currently paying for a rental car in order to manage our daily lives. 

NOTE : my attached evidence file is too large to upload here, please send us a link to upload or email this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to correct and remove some of the data on my credit report, but there are still some accounts that need to be updated. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In 2023 my identity was compromised and a theft somehow got a hold of my personal identifying information such as my name, my date of birth, my social security number, my address. The thief broke into my mailbox multiple times and stole my mail and used my identity to open several accounts, they also went and applied for government benefits in my name. Once i became aware of the identity theft I immediately reported it to the postman inspector general, and to the XXXX XXXX police department. When i seen XXXX account pop up on my credit report, I knew I didnt open this account and so I reported the identity theft to Experian XXXX XXXX XXXX and XXXX and directly to XXXX i wrote a dispute letter, along with a FTC id theft report and a copy of the police report filed with XXXX XXXX XXXX police. XXXX has ignored my identity theft dispute. This is a violation of my rights under the FCRA. 

XXXX has a duty to investigate a dispute from me the consumer sent to the address listed to receive disputes. XXXX is in non compliance of 15 USC 1681s-2 ( A ) ( 1 ). XXXX also has a duty to correct and update information being reported that is inaccurate. 

Not only has XXXX ignored the Identity theft dispute that Experian, XXXX and XXXX forwarded to them which is a violation of the FCRA, also XXXX has ignored my direct dispute I sent certified mail in XXXX of XXXX and another dispute with a copy of the police report and FTC report in XXXX of XXXX. NO INVESTIGATION HAS BEEN DONE BY XXXX XXXX has not investigated my dispute nor have they provided me the results of such investigation. It has been over 90 days and still no response from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification  of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted several written disputes in regards to inquiries on my credit report I reviewed in XXXX XXXX and XXXX XXXX. I had reached out to Experian to dispute these inquiries listed below in regards to providing additional verifiable signed documentation or any hard documentations that tied me to these inquiries and when the results were sent back to me. They had informed me that they came back as accurate and verified, when I sent the written dispute I asked them if these inquires had come back as verified I wanted them to provide me the verified information and any documents that validate these specific inquiries. They were never able to provide any of these and when I called several times to their phone dispute center to speak to live agents they were very rude to me saying to go ahead and file a complaint with the Consumer Financial Protection Bureau. I kept informing the reps that without providing me with verifiable documentation this would fall under Experian reporting inaccurate information. I am asking for Experian to provide me information on how they concluded the investigation for each of these disputes and also any factual documentation and verifiable proof that connects me with these inquiries such as signed documentation, or contracts for these specific inquiries list below of the companies and dates of inquiries. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the persistent hard inquiries listed on my credit report, as referenced in your recent communication regarding Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution process available through the respective creditor, it is troubling that these inquiries were conducted without my explicit consent. 

XXXX XXXX - XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have requested for Equifax to delete certain inquires and also provide the police case number and they sent back saying that the information will stay. I provided the officers name badge number and case number. Equifax did not follow 15 U.S. Code 1681c2 - Block of information resulting from identity theft. The police did provide me with a case number that I provided to Equifax which declined to remove unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to Experian in regards to updating my information. In the letters I have sent to Experian, I provided them with the required documentation to change the incorrect information, which was a copy of my drivers license. Still to date, they have not responded or updated the incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and calling Equifax explaining that the account from XXXX XXXX XXXX does not belong to me. I have never done any type of business with them and have no clue how they got access to my information. Please delete this account and the inquires on the identity theft report. Someone has accessed my personal information and keep trying to open accounts and I don't understand how!!!!
Product: Credit reporting or other personal consumer reports

This fraudulent inquiry has been in my report for quite a while and it's causing me so much stress as i fear that my credit report is being accessed without my permission.
Product: Credit reporting or other personal consumer reports

This morning, I was completely taken aback to see inaccurate accounts listed on my credit report, and I have no idea how this happened. I check my credit report regularly, and this time there were errors that I never saw before. I even refreshed my browser thinking it might be a technical error, but the mistakes didnt go away. I need the documents Ive submitted to be carefully examined so I dont have to live with this worry again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the info on my credit reports XXXX is incorrect. 

I contacted the company XXXX on XXXX and spoke to a executive in customer service. 

she informed me of the incorrect info on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XXXX/XXXX/202 and | XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me XXXX XXXX, XXXX XX/XX/2020 ONEMAIN XX/XX/2020 ONEMAIN XX/XX/2020