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

I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information on my credit report despite clear evidence supporting its removal. This issue violates my rights under the Fair Credit Reporting Act ( FCRA ) and relevant Texas state consumer protection laws. 

Key Points of 15 U.S.C. 1681e ( b ) - Accuracy of Report Duty of Accuracy : Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they provide in consumer reports.

Purpose : This ensures that the information contained in credit reports is fair, accurate, and reflective of the consumers true financial status.

Reasonable Procedures Standard : The law does not require absolute perfection but mandates that agencies take reasonable steps to avoid errors. 
Liability : If a consumer suffers harm due to inaccurate information caused by negligent or willful non-compliance with this standard, the consumer reporting agency may be held legally responsible. 

Summary of Dispute and Violation On XX/XX/year>, XXXX completed their investigation into disputed accounts that I had previously identified as inaccurate and erroneous. XXXX determined that the following accounts were indeed incorrect and removed them from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Both accounts were deleted from my XXXX report, confirming their invalidity. However, Experian continues to report these accounts despite being presented with the same evidence that resulted in their removal by XXXX. 

Violation of My XXXX Rights XXXX failure to remove these erroneous entries violates the following consumer protection laws : XXXX. Fair Credit Reporting Act ( FCRA ), Section 611 Under this law, credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. XXXX failure to remove these accounts after a thorough review by XXXX demonstrates a failure to meet this legal obligation. 
2. FCRA, Section 623 Data furnishers must ensure they provide accurate information to credit bureaus. Since XXXX has already verified these entries as inaccurate, Experian is now knowingly reporting false information. 
3. Texas XXXXXXXX XXXX XXXX XXXX XXXX Under Texas law, consumers are protected from credit bureaus reporting inaccurate information without proper investigation.
Product: Debt collection

I was sued by a third party debt collector. When the process server served me with notice of the law suit, it was the very first time the debt collector contacted me in any way about the debt. Furthermore, the original party claiming the debt was owed, never contacted me at all about the debt. 

I'm being sued for medical expenses for my daughter that I had no knowledge of for services that I never consented to. None of the parties involved contacted me AT ALL prior to the lawsuit filed by the third party debt collector. I have not been provided enough documentation to substantiate the debt or the services alleged in the lawsuit. I advised the third party debt collector that they had not followed the requirements of the Fair Debt Collection Practices Act and they have ignored me and proceeded with the lawsuit. 

I had no knowledge of the information, because my ex-wife was the individual they dealt with ... nobody contacted me at all until the lawsuit was filed against me. 

After violating my rights under the FDCPA, the third party debt collector went on to file a motion and order for summary judgement against me claiming that I did not answer the lawsuit when I actually did. It was a false affidavit filed with the Court. I was forced to respond to the false allegations and have the oder for default vacated. 

The actions of the third party debt collector in this case, I believe are in violation of law and have caused extreme anxiety and stress. XXXX This is an unfair, deceptive and abusive practice. The third party debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SD I believe this is a pattern and practice for this debt collector to file lawsuits against fathers who were not involved in the medical decisions or care, in order to gain leverage over them in a pending lawsuit.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$800.00}
Product: Mortgage

On XX/XX/2019 I, XXXX XXXX, contacted my mortgage company ( PennyMac ) to discuss an error that occurred with their payment app. My wife logged on the app after hours on XX/XX/2019 to pay our mortgage. Her first attempt failed and an error box popped up stating that her attempt did not work and to try again later. So she tried again and it went through just fine. Fast forward to XX/XX/2019 we went to get gas and realized our account was over drafted. Upon further inspection an additional mortgage payment was withdrawn. I contacted PennyMac and they  returned this money after I argued with the lady on the phone for 20 minutes and she refused to let me speak to a supervisor as he was busy ( yet she kept putting me on hold to speak with him ).  Well today, XX/XX/2019, we woke up to find that PennyMac took  the returned extra mortgage payment BACK out of our account and it set our account back in the negative.
Product: Credit card or prepaid card

On XX/XX/2017 I was charged for a transaction for {$1500.00} in XXXX XXXX by Chase. I was indeed at the establishment but I paid with cash and did NOT pay with my card, the establishment asked for my credit card which is not uncommon. I was only at the location for 45 minutes, proof of this was forwarded ( credit card receipt for restaurant where I had dinner prior to as well as XXXX receipt ). 

On XX/XX/2017 I checked my statement, this was when I noticed the fraudulent transaction. I called the credit card company and was told not to worry. 

End of XX/XX/2017 I got a call from Chase stating the dispute was not accepted. 

On XX/XX/2017 I forwarded letter to Chase Cardmember Service providing explanation as well as back up for the 45 minutes I was at the establishment. 

On XX/XX/2017 Chase forwards letter stating the dispute is not valid. 

On XX/XX/2017 I forward letter to Chase Cardmember Service asking for itemized list of items purchased as well as signed receipt from the Merchant. 

On XX/XX/2017 Chase issues a letter stating the charge is valid and I am asked to contact the Merchant directly to further discuss. 

Since then I have not received any further letters but have gotten several harassing phone calls. I continue to ask Chase for itemized list of items purchased as well as signed receipt but I am not getting anywhere. 

I have never NOT paid any charges on my credit cards and I always pay off my balance in full. But I obviously do not intend to pay for a transaction I never made.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of estoppel. v gravens ( mo ) 281 SW715.719 presume that no proof of the allhed debt. nor therefore any such debt in fact therefore exist, ( please remove this account before I seek litigation for defamation of character. ) XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was just charged {$24.00} from Experian. I asked for a refund but they wont refund and I cant get them to cancel my subscription!!! I can not cancel from the website or by phone. I keep getting customer service and they repeat over again that I will have a free credit report. I have tried several ways to cancel with no luck!!! I hope you can help me. I have never paid for this service and did not give them permission to charge me.
Product: Credit reporting or other personal consumer reports

I have a credit line with XXXX and I sometimes use this credit line for emergencies. On XX/XX/XXXX I received several notifications of fraudulent purchases being made on my XXXX  credit account and I immediately launched an investigation with the company. It seems that these purchases caused a hard inquiry on my credit which I did not authorize. The purchases are still being investigated by XXXX, but this is now affecting my credit score, which I have fought hard to keep clean.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # 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
Product: Credit card or prepaid card

I was approved for Aspire Credit card with a XXXX credit limit. They have already charged me XXXX activation fee and yearly fee. I was able to use it twice. Since then have called them 3x bc purchases are being denied. They say a hold was put on card. But there is no reason for a hold.They have not cleared hold. I informed them there has been no fraud. It seems they are a con to prey on low credit score XXXX people like me. They are supposedly through the XXXX XXXX XXXX Called them on XX/XX/XXXX, XX/XX/XXXX 2x, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX  $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is requesting the removal of the accounts below from my credit file. Please understand I have been dealing with this issue for months regarding this debt I have researched hours and hours to determine what I now know has happened to me. I am a victim of MEDICALDEBT PARKING! 

YOU HAVE ILLEGALLY PARKED A DEBT! I have checked with the medical facility that originally claimed this debt only to discover that there was no outstanding debt. I recently applied for a new position and my credit report was requested, I was denied the position due to a low credit score. My credit score has been adversely affected by this Parked Debt.This is an invalid debt and you should be considered by all definitions A Bad Actor!
Product: Money transfer, virtual currency, or money service

My wife deposited a check made out to her in my account. The teller checked her id and accepted the check. The next day we where told that they could not accepted the check because she was not on the account. They have put a hold on the money for four weeks and refuse to release to my account or refund the check back to the issuing bank. I went there and offered to sign the check and they would not let me. The issuing bank has released the funds with no issue but they still refuse to release the money. This money is being held hostage because their employee was not suppose to accept the check but did anyway. The amount of money is {$5000.00} dollars. The bank is Regions bank in XXXX, GA. The money was deposited on XXXX and they have a hold on the money until XXXX. This is totally unreasonable. This is {$5000.00} that we can not access because of an employee mistake and we are being penalized because of this. I have spoken to customer service at the bank and at corporate but no one seems to care. I asked to speak to the lady 's supervisor and their supervisor but was told no one was there and it was XXXX in the XXXX. All I ask is to have the money put back to the issuing bank which is not unreasonable. Thank you for any help you can give me.
Product: Debt collection

I have unauthorized inquires and I've proven they were not authorized ; I've reached out to all companies and would like this handled on Experian and XXXX it is ruining my life I did a police report and FTC as well. 

EXPERIAN : INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

see attached letter. 
Pursuant to the Fair Credit Reporting Act section 603 ( 15usc 1681a ( 2 ) Exclusions ) states a consumer report does not include report containing information soley as to transactions or experiences between the consumer and the person making the report. Nelnet is reporting a 90 day late on my consumer files. This is a form of a transaction that is negatively reflecting my character and according to the FCRA should not be reporting.
Product: Vehicle loan or lease

My vehicle was totaled by insurance company XXXX XX/XX/2023 insurance covered a portion, XXXX my gap coverage covered a portionXXXX i have a XXXX warranty that initiated to be canceled XX/XX/2023 First Investors ( my finance company ) initiated the cancellation they advised it takes 4 weeks to complete I have called and made several attempts to resolve my concerns i was told that i would receive requested document and that the amount I owe would be negotiated once the warranty funds were placed towered the remaining balance I can not move forward and return to normal living until I'm able to close out loan the balance owed to First Investors IS XXXX I have spoken with several reps with no end solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Collection Dispute Request for Validation Dear Credit Collection Serv, I am writing in regard of the alleged debt referenced as account number XXXX. I hereby formally dispute the validity of this debt under my rights pursuant to Fair Debt Collection Practice Act ( FDCPA ), 15 U.S.C. 1692c, and request that you provide proper validation.

Under 15 U.S.C. 1692c, I demand that you cease all further communication with me regarding this matter, except for the purpose of providing written validation of the alleged debt required by law. Please note that any further communication beyond this purpose may constitute a violation of the FDCPA and result in legal action To properly validate this debt, I request the following : 1. Proof that I owe the debt, including the name and address of the original creditor.

2. A detailed account of the called amount, including all interest, fees, and charges applied.

3. Documentation proving that you have the legal authority to collect this debt. 

Until proper validation is provided, I request that all collection efforts cease. 
Additionally, I request that you refrain from reporting this disputed debt to any credit reporting agencies. Failure to comply with this request may also constitute a violation of my rights under the FDCPA. 

Please respond to this letter within 30 days of receipt. I will retain a copy of this letter and your response for my records. Should you fail to provide the requested validation, I reserve the right to file a complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any other remedies available to me under the law. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX, XXXX, XX/XX/1988, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA & 605B ( 15 U. S. C. & 1681c-2 ) that you, the XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, unveriable, and false information consist of an insurance account XXXX XXXX XXXX-Account number ( private ) in the amount of {$330.00}, mobile phone account XXXX XXXX XXXX Account number ( private ) in the amount of {$3500.00}, and an apartment rental XXXX XXXX XXXX XXXX XXXX XXXX Account number ( private ) , in the amount of {$11000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX and XXXX, as proof from the US Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

https : //wise.com/ this is a website, and this is the email to make the account : XXXX. I sent to them all documents then they closed my account. i want to reopen my account but they are not replying to me.
Product: Mortgage

I was locked in to a rate and told that if rates dropped more than .25 % of a point that I would get the lower rate. Rates dropped more than the set amount but XXXX would not honor the emailed agreement and kept me at the higher rate.
Product: Debt collection

I have recently seen a the company name NCB management services on my credit report. The inquiry on my report is unknown. Being that I have been a victim of identity theft and company scamming to get money from consumers in many different ways. This account displaying an amount owed of {$9700.00} and I never heard nor do I recognized this account I asked for proof of validation notice since 2019 and have yet seen anything signed with my name in connection with NCB management services. I am not liable for this debt with NCB Management Services nor do I have a contract with NCB Management Services I request this debt collect be removed from a credit reporting bureaus.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently credit which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX , XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I bought prepaid visa card but they didnt deliver to me There adress XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX, United States Online Support : XXXX ( XXXX ) XXXX XXXX