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

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 
I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00}
Product: Credit card

On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Bank of America credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX " reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )
Product: Credit reporting

TransUnion dispute XXXX XXXX Reply| Yesterday, XXXX XXXX You I 'm looking at my credit report on XXXX and I 'm attempting to file a dispute with their automated system but it 's not letting me and then I logged into your website and it 's telling me I ca n't file a dispute so now I 'm contacting you through here and hope that you 'll help me file a dispute there are a couple mistakes There are XXXX accounts with this Bank XXXX XXXX shows a balance of {$1900.00} the other shows a balance of {$5800.00} both of these accounts have clearly been compromised and I 've been attempting to resolve this there are numerous fraudulent charges on both accounts both account should be closed immediately XXXX showing a balance of {$5100.00} I have no knowledge of this account this account does not belong to me never has
Product: Credit card

We have been going back and forth over this for over a year. Once again, Amex refuses to provide me with the most basic information : What interest have I been charged on the 2x unauthorized charges? 
Has the interest been refunded on the 1 charge you have refunded? 
Since the 2 charges are both part of the same fraud and forged signature how can you refund one of the charges and not the other identical amount which is clearly related? 

I have finally found the company who handles arbitration for such matters and have them ready to proceed. I will also be pursuing for costs and inconvenience in addition to the refund if this is not sorted before that point. I have a very strong trail of communication over the last year of Amex withholding info and giving factually incorrect information. Please let 's not add this to the request too
Product: Debt collection

Company sent a summons to my house. On the court date I had XXXX so of course I did not show up. Never heard from company until they garnished my granddaughters savings account.
Product: Checking or savings account

THIS IS A MORE CLEAR VERSION OF THE LAST COMPLAIN COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account ISSUE Managing an account I have a HELOC account with Santander Bank and I can't access the it directly meaning I can't deposit in the account or withdraw from it electronically without having the money transfer to or from the checking account. When I transfer the funds from the HELOC to the checking account to use it for personal reasons, the monies show in my checking account immediately and the bank starts to charge interest right away. However when I do the opposite transfer funds from the checking to the HELOC account, the monies disappear and don't show up before one day. At the meantime I am being charged interest on the funds ar n't avaliblle in the HELOC account in case I want to use it. i.e. .... I am being charged interest on funds the bank puts a hold on it.
Product: Credit reporting or other personal consumer reports

I was in XXXX XXXX renewing my membership and the lady at the front desk says hey I have a preapproval for a card for you. It is no hit to your credit because you are preapproved, I was not interested because I knew that a preapproval is a soft credit check and not a hard so in order for it to be an approval she would be running my credit. I declined. I have a hard inquiry on my credit due to this and I never gave permission for her to run my credit.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX store to purchase a gift for my girlfriend. Since I never received my card in the mail and didnt have any information about my account, the cashier told me to provide a form of ID and she could locate my account. I informed the cashier that I really need access to my account and a card re-mailed because I never received one. She phone customer service on my behalf and after I verified my account, I was told a new card would be mailed. I am a XXXX XXXX XXXX who works in Texas but lives in Florida. I only go home to Florida every six weeks. So, im constantly checking my mail and gathering everything to bring it back to Texas with me. However, a new XXXX card never arrived neither did a paper bill. After not hearing from them via postal mail, I finally received a call from XXXX XXXX XXXX about my unpaid bill. I explained again to the rep that a card has never arrived in the mail and I had no account information even after I had already gone inside a store and told the cashier the same information. The rep took my payment via phone and the account was brought to {$0.00}. I checked my credit report last week and noticed they reported a late payment ( 30 days late ).
Product: Vehicle loan or lease

I am submitting proof evidence of XXXX orders and XXXX XXXX enlistment for XXXX XXXX. Santander illegally took my XXXX XXXX without court order. On XX/XX/XXXX while I was preparing for XXXX Santander took my XXXX XXXX without proper documents and never offer me assistance. I am sending you a copy so of my paperworks for you to review.
Product: Debt collection

The following accounts are reporting incorrect late payments. 

XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

It also states a consumer report can not furnish as an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as a late for any purposes.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit card

purchased a opal ring at XXXX jewelry store. XXXX days later returned it as it was white stone and had some sm stones around it ; was to big for my hand. XXXX the store clerk asked if I wanted to look and I picked out a XXXX ring w/necklace. Did n't want the necklace but it was a set and cost a few dollars more. She evened the purchase by putting the difference on my visa credit card ( approx. $ XXXX. ). Got hm the set was very cheap and the opal a fake so I brought it back. it took her almost an hr. to process the return and again I used my visa to get a " credit '' back or the overage. Clerk had attempted to get me a XXXX Credit card but was denied. a few wks later rec 'd ph call fm Monterey Financial about pmt to my acct. replied I had no acct. they insisted I did and owed them $ XXXX Which I did not ; explained what happened and faxed ALL paperwk/receipts to them. they could n't make anything out of the paperwk ; insisted I owed them $ XXXX This was a yr ago this past XX/XX/XXXX. Went to an attny, he wanted them to call Him. They took his name and ph # and supposedly never called attny. I sugg we go to court to sue but attny said it was n't worth it??? Now my credit score is in the toilet when it was XXXX and here I am not ever moving out of it??? I also found in my looking for paperwk/recepts what I had thought was a credit on my visa for the $ XXXX was in fact a charge of {$310.00} ... so I in fact paid for something I DO N'T HAVE
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}
Product: Debt collection

Hello, I can see I have a few PayPal accounts with debt owing and I did not create these PayPal accounts
Product: Debt collection

CMI group failed to notify me of a supposed collection account placed on my credit report ( no mail sent to my current address and no phone call ). Furthermore, I disputed this information with XXXX, which failed to remove the collection. I contacted XXXX, which could not tell me anything more than CMI had verified the information, but no valid documents support this claim. I have not received any debt validation, nor did I receive noticed as required under the Fair Credit Reporting Act. Further, I did not receive any communication from the alleged original creditor, so I can not verify the information reported on my credit report. The information on my credit report reflects that the account was referred to collections XX/XX/XXXX ; however, the collection appeared on my credit report in XX/XX/XXXX - 5 years later! - with no notification. The information being reported in a name that does not match one previously given, nor does it match my social security card.
Product: Debt collection

Attention Credence Resource Management , LLC I am hereby DISPUTING your claim on behalf of XXXX XXXX XXXX. 


Your Reference # XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$340.00} Closed XXXX XXXX XXXX account Due to Lack of Service Signal and Repeated Dropped Calls I Never received your Collection Notice that XXXX XXXX XXXX claims I owe this amount {$340.00} NOTE # 1 I called your I office on XX/XX/XXXX, when first became aware of this XXXX XXXX XXXX claim when my Credit score was adversely affected. Your agent told me that XXXX XXXX XXXX had sent the claim to your office on XX/XX/XXXX and that you had sent a letter dated XX/XX/XXXX to my office address. 

I never received this letter. As you are well aware that due to the current Coronavirus Pandemic and Stay-at-Home Orders, offices and business are closed and mail has not been forwarded. Furthermore, you never contacted me on my phone or by text to inform me of this claim. 

Furthermore, under these current circumstances, you rushed in and filed a DEROGATORY reporting to the Credit Agencies on XX/XX/XXXX and then again on XX/XX/XXXX a second time, even after I had informed you on XX/XX/XXXX, that I was disputing this claim by XXXX XXXX XXXX. 

NOTE # 2 Regarding this XXXX XXXX XXXX Mobile Phone number XXXX account : 1- I opened this account on XX/XX/XXXX - have been a good customer for over 13 years. 
2- Closed account on XX/XX/XXXX DUE to lack of Signal Service and repeated Dropped Calls since I moved my residence and office to different locations. 
3- At the time I closed the account with XXXX XXXX XXXX , I was informed that there would not be any more additional charges and that I had already paid off the current balance. 
4- On XX/XX/XXXX I called XXXX XXXX XXXX as to why I received another bill and I was told by the agent that I had been auto generated. When I disputed this as to why it was NOT prorated was informed only a supervisor can correct it. I was also told that since I had been a loyal customer for over 13 years, that this should not be a problem. 
5- I was also told that if any issue remains then a supervisor would call me within 32 hours. I never received a followup call from any supervisor, to this date. Therefore, I assumed that this issue had been resolved and that I did not owe any balance due. 


I am hereby requesting that the Derogatory Reporting to the Credit Agencies be Removed. 


I Do NOT owe this amount and was NOT informed as to this XXXX XXXX XXXX claim. 

No second Notice or any phone calls and NOT even Text Messages were received by me regarding this claim. I still maintain the same Mobile Phone number I had with XXXX XXXX XXXX. 

Please inform me as to your actions regarding this urgent matter. 

XXXX XXXX Same Cell Phone # XXXX XXXX
Product: Bank account or service

My last statement from Bank America showed a charge for " check imaging ''. I never ordered it. I called customer service and although they removed the charge, they could not tell me how this happened. My feeling is that it is a new deceptive practice to get extra fees hoping that the customer will not notice it.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax resolved a dispute I had involving ownership of an account by changing most of my personal information to that of another person due to a typo in a full social security number, including name, addresses, SSN and employment history. I have made sporadic attempts since then to correct all of these, and have finally been successful in getting them to correct everything except my full social security number. The person who actually owns the SSN they believe I do has been subject to debt collection, so I need to clear all of this up lest I incur damages due to Equifax 's typo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that is still reporting on my Credit Reports and need to delete completely from my Credit Report : 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX- Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX- I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX 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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$390.00} ; SXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX.