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

I am writing to bring to your attention a matter regarding inaccuracies in my credit report maintained by Experian. Upon reviewing my credit report, I have noticed that my current address has not been updated and there are several outdated addresses listed. This discrepancy not only affects the accuracy of my credit profile but also raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( a ) ( 4 ).

Section 1681 ( a ) ( 4 ) of the FCRA mandates that consumer reporting agencies such as Experian must ensure the maximum possible accuracy of the information contained in consumer credit reports. This includes maintaining up-to-date and accurate information regarding consumers ' addresses. Failure to comply with this provision not only undermines the integrity of the credit reporting system but also infringes upon the rights of consumers. 

I want to emphasize that this is not the first time I have brought this issue to Experian 's attention. I have previously disputed these inaccuracies multiple times, yet the necessary updates have not been made. Experian 's persistent failure to address this matter in a timely manner is not only a violation of the FCRA but also a violation of my rights as a consumer. EXPERIAN REFUSES TO DO THEIR JOB! 

It is imperative that my current address is reflected accurately to ensure that I receive important financial notifications and correspondence in a timely manner. Additionally, outdated addresses may potentially lead to identity theft risks and could result in erroneous reporting on my credit file.

I kindly request that Experian take immediate action to update my address to the following : XXXX XXXX XXXX, XXXX, GA XXXX Furthermore, I request that ALL OUTDATED addresses be promptly removed from my credit report to ensure compliance with FCRA regulations. Please provide confirmation once these updates have been made. 

I trust that Experian will handle this matter with the utmost urgency and diligence to rectify the inaccuracies in my credit report. Your cooperation in resolving this issue promptly is greatly appreciated.
Product: Checking or savings account

On XXXX XXXX I opened an account with Chase Bank in XXXX XXXX Illinois Branch. I deposit {$300.00} cash to open the account. I never received my debit card in the mail. when I called the bank to inquire about my debit card the person on the other line said that my account was closed do yo no activity. I went in person and asked for my {$300.00} and was told that I had to call and make a complain with their fraud department. I called and the fraud department said that a check has been mailed and nothing further is to be done. I never received such check. When I call back I get the same answer a check has been mailed and when I ask if the check has been cashed because I did not cash it, I get transfer to another line and as of today I have no idea what happen to my {$300.00} dollars.
Product: Checking or savings account

{$480.00} overdraft fee in XX/XX/2021. 

On XX/XX/2021, I just spoke with the accounting specialist and collection specialist concerning my unemployment situation and asked them what my options are available to prevent the NSF fees. They said they can set up {$480.00} payment plan once the {$480.00} is posted then I can call back and request a payment plan next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated/ incorrect under 609 or HIPPA, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX AMMOUNT {$590.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature otherwise remove this account from my credit report. I request that all future correspondence be done through email.
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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 XXXX XXXX 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 XXXX XXXX under penalty and perjury have a notarized affidavit that's attached stating all herein is true and i, XXXX XXXX am a victim of identity theft. Currently the FBI has informed me that they are investigating the suspect by the name of " XXXX XXXX ''. I have not applied for any bank accounts ever. all bank accounts listed in early warning report are not mine and all addresses are not mine needs to be immediately deleted. My parents got me a my trust fund at very young age and never need any bank accounts. The following information has been my only information since XXXX : Address : XXXX XXXX XXXX XXXX, ga XXXX and XXXX : XXXX.
Product: Credit card

additional information for XXXX : the payment has not been able to be processed during my trip to XXXX from XX/XX/scrub>/2024 through XX/XX/year>2024 and during last 1-2 week. I paid the annual fee of {$590.00}. But, I was not able to use the card for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX 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 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

A Target and XXXX credit card were open using my information on XX/XX/2022. Target and XXXX tell me this was done online. I Have placed a credit freeze and Alert with all three major credit agency 's
Product: Credit reporting or other personal consumer reports

I have never authorized these inquiries and they are due to fraud. 
XXXXXXXX XXXX Location XXXX XXXX  XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Feedback Inquiry Type Individual US DEPARTMENT OF XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit card or prepaid card

I was on paypal account and they offered me a credit line I read the info It said if approved use immediately an can be used at many stores also XXXX. I got approved the XX/XX/XXXX an it declines me EVERYTIME. I've called 10plus times they all say you have available funds it's the merchant call them. Well again I CALLED today an was told I had to add bank account to XXXX an use for all purchases for months to prove. I'm a good customer then they will stop decling credit .they ran my credit dropped my score 12points so I told them close it they haven't. I also got ebay mastercard same bank syncbank. An paypal is also in control of it I had no clue. They claim use anywhere mastercard is accepted. But it will not work either also dropped credit score.  I've called so many times I get transferred 3 or more times nobody will explain why I can't use it. It's fraud an false advertising. They also ran my credit 2 times while back for XXXX card I had no clue I was applying for told them close acct they didn't an it is not usable either. Reports of same issues all over XXXX reviews. They are scamming an DESTROYING PEOPLES CREDIT. I had a score in 700s now it's down 670s because of them. They run credit without approval if u ever apply for acct. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Debt collection

I sent a out a latter to XXXX and XXXX about a debt that is inaccurate. And I gave them 30 days to reply and they have not yet responded back.
Product: Checking or savings account

The Bank of America closed my account in the beginning of XXXX, 2023. Monies were withheld/frozen. In a letter the bank indicated they would be mailed to me. I have called the bank several times requesting the status. At times they have indicated the funds would be returned And other times not. During the last communication they indicated the funds were frozen and they would not be released. They indicated I should contact the source that Issued the monies to the bank to have the monies returned to the source.I have not received the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to update the inaccurate information which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and that another bureau has found to be inaccurate. You have 30 days to CORRECT the accounts listed below : XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
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 XX/XX/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 XXXXXXXX -Untitled { Medical Subject has not satisfied debt., 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 card

Dear Credit Card Company, I am writing to you today regarding my credit card account # XXXX which I had while I was going through a change in my career. The purpose of my correspondence is to see if you would be willing to make a goodwill '' adjustment on the reporting of this account to the three credit agencies. I take full responsibility for the payment and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 
As soon as I became aware of the balance paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I would like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated. 
Best Regards,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ) USC 1681E. Specifically, I have noticed discrepancies that I believe do not reflect my true credit history and financial standing. 

As per the FCRA, when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information contained in the report. Unfortunately, it appears that this standard has not been met in my case, as the information listed is incorrect. 

The inaccurate items that I have identified on my credit report reviewed on XX/XX/year>. The inaccuracies are as follows : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Department of Education XXXX 
Department of Education Under 15 U.S Code 1681e ( 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 ( 5 ) - Treatment of inaccurate or unverifiable information ( 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Please remove these items from my credit report immediately. 

Thank you for your time and cooperation.
Product: Debt collection

I have been contacted by XXXX firms that claim I owe XXXX ( formerly GE Capital ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other GE loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in XXXX installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by XXXX, XXXX XXXX and XXXX. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive XXXX, but was n't surprised. Not until this week did I hear from the XXXX firm. The paper work, a cover letter and an old letter " from GE '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like XXXX is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 PORTFOLIO RECOVERY A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. 
Firstly, it has come to my attention that your agency has failed to provide validation information as required under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations. 
Furthermore, I have not been afforded the opportunity to dispute the account according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations. 
Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system. 
Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above. 
In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law. 
Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX
Product: Debt collection

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.