23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EXPERIAN 4 times since XXXX XX/XX/2022. Each time they open a 30 day dispute for accounts disputing. 
However, they were sent CERTIFIED MAIL asking for them to prove to me how they verified accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian was sent mail on XX/XX/2022 & XX/XX/2022 and most recent XX/XX/2022 Under FCRA Section 611 ( 6 ) Notice of Results of Reinvestigation Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available EXPERIAN HAS FAILED 4 TIMES to provide me with the information. 
I have reps recorded on phone calls that they just sent info to data furnishers that the account is in dispute. They certified to me they never do a dispute or get documents to VERIFY THE ACCURACY AND COMPLETENESS OF ACCOUNTS. 
Experian is reporting FRAUD ACCOUNTS and INCORRECTLY REPORTING ACCOUNTS AS VERIFIED AS ACCURATE. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THEY HAVE VIOLATED MY RIGHTS UNDER THE FCRA 3 TIMES. 
Certified Mail was sent and signed for. 
THIS IS NOT A DISPUTE TO SENT TO CREDITOR THIS WAS A LETTER ASKING FOR THE INFORMATION IM ALLOWED TO ASK UNDER THE FCRA Experian is going to sued if the WRONG and HURTFULL information isnt removed. 
They have been given FTC REPORTS, POLICE REPORTS and ID THEFT AFFIDAVTS They state accounts were " verified ''. NOT sure how. 
Experian is not following the FCRA. The data furnishers pay to report and thats all Experian cares about. They are not following FCRA GUIDELINES AT ALL THIS IS COMPLETED BY XXXX XXXX XXXX NO OTHER PERSON OR PARTY ON MY BEHALF
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT XXXX  # XXXX
Product: Checking or savings account

I had overdraft protection fees and atm fees from XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i had 2 months deferred and they almost repo my car and did not hold up their part of the agreement so then i did make a payment on time within the 30 days past due as i just lost my job and gettin back on my feet .. they dont seem to care about me at all .. horrible customer service when ever i call them and i am not represented by a lawyer and they think so .. sort of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have mailed in several disputes with the 3 major credit bureaus ( Experian, XXXX and XXXX ). XXXX XXXX XXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XXXX, XXXX, 2023 Report Number XXXX Date Generated XXXX XXXX, 2023 XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXXXXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my TransUnion consumer report and it showed two different bankruptcies on it. One from XXXX, TX and one from XXXX, TX. I did not give any written consent to TransUnion to publish these. I know thats a violation of my consumer privacy. I sent TransUnion a certified letter on XX/XX/2021 asking them to remove the bank bankruptcies. I sent a certified affidavit on XX/XX/2021 showing TransUnion all the consumer rights that they have violated since I am a consumer. 
1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

My case relates to bankruptcy that was disputed. 

On XX/XX/XXXX, I requested verification from the courts on how information is reported to agencies. In response, they sent a written notification on XX/XX/XXXX stating that courts do not provide information to credit reporting agencies. I requested this item to be removed from my credit report because it does not comply with FCRA 611 ( 15 U.S.C 1681I ) on XX/XX/XXXX and in violation of the Fair Credit Reporting Act. 

In response, Equifax stated the information was verified on XX/XX/XXXX, XXXX, However, this is false because courts don't report to agencies/credit bureau. 

As a result, I would like for CFPB to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is reporting that the Bankruptcy information was verified by the XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. This is FALSE. This account has not been properly verified and validated.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX in XXXX XXXX is their manager at the facility off of XXXX. I believe the XXXX XXXX XXXX XXXX I need a car super bad for work. I went in with a trade-in then spent over {$1000.00} closer to 2000 for insurance and everything down payments everything signed everything signed. Everything then gave them as collateral with another car, within 30 day With no payment for XXXX months guaranteed. They call me in the first XXXX weeks. Tell me that they need to put in a different car cause I wasnt approved for it. I said I wouldnt have signed everything if I wasnt approved for it so they let me leave the lot they let me spend all my money and then told me that I wasnt approved for the vehicle that I wanted The satisfied everything just completely irritated that they would only offer me a XXXX XXXX, but I had a car so I had to take it. I didnt want to and I wanted to cancel the contract right then and there they wouldnt let me. I told him I would not give the car back until they gave me my car back that I put in for trade because they have sold to the auction, repossessed it within 30 days 390 day that I did not need to pay until 60 days From the second, fifth ninth XXXX XXXX phone call from XXXX XXXX or give me my money back. They refused everything that I asked, then they came and repossessed the car while my wife was at work. And then charged me XXXX times for the tow bill up to {$1800.00} The bank wrote a charge off without any information whatsoever labeled it completely inaccurate from the original agreement. Automatically, XXXX XXXX signed it over to creditors. Lied on the paperwork. Forced me in designing forced me into screwing myself without any full recognize consent any of that while Im asking XXXX different questions because it didnt seem right I have the original agreement management takes the debt next thing I know I have an identity theft from XXXX XXXX to XXXX XXXX and thats identity theft and they take no responsibility on a unsecured network didnt notify me didnt do anything but refuse deny and refuse all requested information and inquiries. They have a fiduciary DUTY, responsibility, and obligation to the beneficiary. And being honest is part of that contract now I have to file bunch of in needed paper work as well as a XXXX to all agencies. Because of this hoard and horrific event, I got screwed more than than once out of this deal. They crushed the car after they repossessed it and then somebody signed off on my car that I traded in through the XXXX which is fraudulent. I never signed off on any vehicle.
Product: Mortgage

I pre-qualified with Bank of America on a FHA purchase loan. After finding a property and signing a purchase contract i also was pre-qualified with XXXX XXXX XXXX. My purchase contract was accepted by the seller on XX/XX/XXXX and on XX/XX/XXXX I informed Bank of American I was going to go with XXXX XXXX XXXX as my lender. Since BofA had already pulled the FHA Case number I requested via email that the case number be transferred to XXXX. After many request by myself and XXXX to Bank of America to transfer the case number nothing has happened. As of today XX/XX/XXXX the FHA Case Number has not been transferred. Request were sent to the loan officer XXXX XXXX XXXX XXXX and his manager XXXX XXXX. Both work in the XXXX XXXX XXXX XXXX, CA XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Their contact information is XXXX, XXXX and XXXX, XXXX. My contingency are coming due and I must release my contingency or fear losing the home or my earnest money deposit. I do n't believe a company should be able to hold my loan " hostage '' because I decided to go with a different lender. I had not signed a loan application or received and LE when i informed BofA of my decision to change lenders. All I want to do is have the case number transferred to XXXX XXXX XXXX so I can move forward. FHA Case number XXXX Thank you.
Product: Vehicle loan or lease

Im XXXX XX/XX/year> credit acceptance co the charge me a lot of interest rate plus the add gap insurance I never no about I need to take am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following inaccurate information reporting to my credit : credit acceptance Inaccuracy Found I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
lawait your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes Sincerely,
Product: Credit reporting or other personal consumer reports

My account with ( XXXX/XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX/XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a cons
umer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XXXX  Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan from XXXX to consolidate credit card debt for {$20000.00}. The narrative I paid extra on the loan {$500.00} dollars, payment due was {$460.00} mo. Started first payment in XXXX, paid XXXX, and this month XXXX. I have been charged excessive principal amount for XXXX and my balance is showing {$19.00}, XXXX. See attached file. I called XXXX and spoke with XXXX different people to find out why my balance was incorrect and my interest rate showing XXXX instead of XXXX. No resolution has been imitated. I was told there would be a reconciliation to My account, but not in system. When I asked for amortization of fees, I couldnt get an answer.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX  XXXX, MI, XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXXXXXX XXXX  XXXX Balance : {$160.00} XXXX & XXXX XXXX XXXX : {$900.00} Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Docket Identifier : XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN 2020 AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 
I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX
Product: Money transfer, virtual currency, or money service

Im writing regarding the Zelles handling of disputes, they informed me that recovering lost funds was impossible.
Product: Credit card or prepaid card

I made a purchase on a dinning set from XXXX XXXX in Pa and while at the store I left a {$1900.00} deposit to order the furniture. I paid the remainder of the balance in Full per the store request as they wanted cash and I refused so the excepted a check. approx 12 weeks later I received deliver and as they were unpacking to set up the dinning set, I notice it wasn't what I ordered and paid for so I disputed the charge. I can them everything they requested including picture of what I received and what I wanted. XXXX is in breach of our contract agreement as they refused to dispute the charge to date.
Product: Payday loan

I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, ACE Cash Express and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about XXXX or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
Product: Credit reporting or other personal consumer reports

I called Amex and asked for the IP address used to creat the account?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue that I have attempted to get resolved since the early XXXX 's ( XXXX up until today ) The company " Nel Net '' which services many student loans. Consistently reports my student loans as 90 day late. The two issue with that reporting ...... 
# 1 My loans were moved to new net ( supportive doc will be provided ) the previous company did not pick up that the loan had been moved therefore co n't to bill the old account thus counting it as late. 
# 2 This 90 day late date continue to be moved forward to make them appear as resent. 
( documentation to support will be attached # 3 Because Nel Net report the student loan as several units instead of as one loan ( each quarter as money is disburse ) there will be 6-7 negative repots which will show as 25 % of my report # 4 Nel Net has removed the late from record showing paid without late, yet the next 6month that false reporting will return back to my credit report What I have done to bring resolution from XXXX # 1 I have report this to all the credit reporting agencies ( XXXX, XXXX, XXXX XXXX ) ... sending the supportive document, of which I will be sending which I will be attaching to this report as well. Please pay attention the things circles to follow the time line of the manipulation of my credit report What I want Permanent correction of my credit report. 
All Student loan reporting done by ANY servicing company be reported as one loan Possible class action suit How have I been harmed There have been years where I have been turned down for credit and or paid a higher interest rate over decades that I should not have had to suffer.