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

Attn : This is a new Complaint. 

Subject : Formal Dispute and Correspondence Address for Experian Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attention : Experian Dispute Department Dear Experian Dispute Department, I am writing to formally dispute and address critical inaccuracies in my credit report. This letter serves as an official communication regarding the ongoing issues I am experiencing with my credit information. 

**Personal Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX **Dispute Details : ** I dispute the accuracy of my credit report based on the following grounds : 1. Discrimination in the Dispute Process : Experian 's refusal to allow online dispute filing has extended the resolution process, which I consider a form of discrimination. I request equal access to all dispute resolution methods. 

2. Credit Score Injustices : My credit score, currently in the XXXX, is unduly affected by monthly reporting from XXXX XXXX. I request the immediate removal and blocking of XXXX XXXX from accessing my information and a correction of my credit score to at least XXXX, reflective of my creditworthiness. 

3. Dispute XXXX XXXX XXXX XXXX Account XXXX or ( # XXXX ) : I vehemently dispute the presence of a XXXX  XXXX business card account on my credit report, as I have never authorized nor been associated with such an account. I request an expedited investigation into this matter. 

4. Formal Complaint on Discriminatory Credit Scoring : I submit a formal complaint regarding potential discriminatory and racist influences on my credit score. I request a thorough investigation to rectify any systemic biases impacting my credit score. 

5. Removal of Unauthorized Inquiries : I demand the immediate removal of hard inquiries initiated by XXXX XXXX, an unauthorized creditor. I emphasize the gravity of this issue, as highlighted in my FTC complaint ( # XXXX ). 

**Correspondence Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX I expect Experian to promptly investigate and address these concerns, providing a resolution that upholds my consumer rights and rectifies the inaccuracies in my credit report. 

Sincerely, XXXX XXXX
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # 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, 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 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: Debt collection

Company made 4 calls to my cell phone without leaving a message. When I called them back, the debt collector that answered talked over me as I told him that he now needed to send me a dunning letter as required by the FDCPA. He refused to do so claiming that he needed my personal information first.
Product: Credit reporting

I have been denied credit because XXXX refuses to remove a a negative account from my profile. On my credit report XXXX XXXX XXXX is listed as a seriously delinquent account as of XXXX/2014 although I provided them with a copy of the original contract which states that the contract date was XXXX/XXXX/14 and that the first payment was not due until XXXX/XXXX/2014. Not to mention I paid the first three payments on the date of the contract. I have disputed this item on XXXX occasions and it is an obvious case of XXXX working to keep a bad spot on my credit because XXXX XXXX XXXX is a paying client. XXXX is responsible for what is reported to potential lenders and I want XXXX held accountable for this infraction of the FCRA. It has caused me emotional stress, pain and anguish because I am not able to live my life to the fullest and it is embarrassing to be refused credit especially due to greed. My quality of life has been greatly diminished. Not to mention I have spent days going thru the proper channels with XXXX and I earn {$1000.00} per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS MATTER WITH TRANSUNION TWICE. THERE WAS A ISSUE WITH TRANSUNION INQUIRIES AND FRAUDULENT INQUIRIES ON MY CRDIT REPORT. I HAVE FILED A POLICE REPORT AND I AM DEMANDING THAT THE FOLLOWING UNAUTHORIZED INQUIRIES BE REMOVED FROM MY CREDIT FILE I MAILED CERTIFIED LETTER TO SHOW PROOF OF THE INQUIRIES AND FROMALL CREDITORERS AND AS OF TODAY NO RESULTS. PLEASE REMOVE HARD INQUIRIES THAT WASNT AUTHORIZE FROM ME :   XXXX   XXXX   --  XX/XX/XXXX - XX/XX/XXXX  XX/XX/XXXX  -- -- WHO WOULD REQUEST BACK TO BACK?   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   -- - XX/XX/XXXX  XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   -- -- XX/XX/XXXX - XX/XX/XXXX  TWICE IN 2 DAYS   XXXX   XXXX  - XX/XX/XXXX - XX/XX/XXXX   XXXX  --  XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX  WHO WOULD REQUEST 3 X IN A ROW?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX  account, account number XXXX Specifically, late payments were reported for the months XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting or other personal consumer reports

Submitted on line complaint to credit bureaus XX/XX/year>. 
According to 15 USC 6801 : Protection of Nonpublic Personal information ( a ) Privacy information policy. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit card

The U.S. Code that discusses the timing of payments is **15 U.S. Code 1666b**. This law states that 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.

( 1 ) 15 U.S. Code 1666b - Timing of payments | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX. 
( 2 ) 15 USC 1666b : Timing of payments- House. https : //uscode.house.gov/view.xhtml? req=granuleid : USC-prelim-title15-section1666b & num=0 & edition=prelim. 
( 3 ) Dates and Deadlines Student Financial Services. XXXX XXXX XXXX 
( 4 ) Important Dates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a credit builder account with the company Chime. One day I was going on a trip and booked an XXXX with my credit builder account for my first portion of payment for my XXXX. The credit builder account for Chime was XXXX. It messed up my credit a lot. I close my credit builder account a few weeks later. I paid the rest of my XXXX with my regular chime checking account because i closed my credit builder. my XXXX host unfortunately canceled my reservation. the first portion of my funds that was paid to reserve XXXX ( {$92.00} ) was refunded to my CLOSED credit builder account. I reached out to chime since XX/XX/XXXX ( exact date when XXXX refunded my money to my credit builder ) for about four months ( last outreach was today XX/XX/23 ) they gave me the runarounds for my money. First they kept telling me that it was already refunded, and that I had already received it after me repeatedly telling them that the funds are on my closed credit builder account. They closed my dispute after I kept repeatedly asking for an update on my funds, and where my funds were. Once they were finally able to see that the funds were on my closed credit builder account, they kept telling me that I would receive a check. I have reached out several times in regards to this check and still not receiving a check in the mail. I literally just want my refund.
Product: Debt collection

A deposit was made to XXXX thru XXXX. The wrong amount was attempted to be withdrawn threw my checking account that had insufficient funds to cover the amount. XXXX went ahead and paid draftkings the amount, even though it was a technical glitch on the draftkings site. XXXX then tried to charge the unauthorized amount of {$13000.00}. AN amount that was nowhere near what I had in my account and the charge shouldve never went thru. My checking account returned the money as it overdrew my checking account for insuffient funds. 

Draftkings blocked me on there site and I couldn't get the money return as they deleted my account. XXXX did not help me resolve this and sent the debt to collections when they should have never gave money that I didnt have to a gambling site.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/05 Balance : {$0.00}
Product: Credit card

We made a payment to payoff our credit card after obtaining a mortgage on our home. We called the credit card company several times in an effort to find out if they received the check as it was not cashed. We were told, after waiting for over an hour on 2 occasions, that we sent it to the wrong address, which we advised them was the address on their website. Finally, we were advised that they had received the check, however, there is a credit of over {$500.00} which we were requesting be returned to us by check. However, after calling again at XXXX on a Thursday afternoon and holding on for almost another hour, I was advised by the call center that they were closed and to call back another time. 
Additionally, we received a letter that as the payment was late, this would affect my credit in a negative way. There is no way to speak to anyone and I thereafter wrote a letter to the credit card company. I also went to Citibank to try to get this taken care of, only to be advised that they could not help me. We were also charged a late fee, which I would like returned as they held our check for almost one month before our check was cashed.XXXX To date, some three weeks later, I am submitting this complaint.
Product: Debt collection

I currently have XXXX insurance but owed XXXX dollars from a previous account. I paid this recently when I got XXXX as my insurance holder in XXXX. In order to get XXXX, I had to pay this first which I did and also sent this information to this CCS company when I disputed it with XXXX and both CCS and XXXX refused to remove it.
Product: Student loan

I attended XXXX which is located in XXXX, i was told i would find a job easily after graduation but the reality is that career representatives will push job leads requiring 4 to 6 years experience so i would wonder why??? The curriculum was out of order. Some classmates were denied education due to late payments. So now i have a minimum wage job to get me by in life while i have to pay student loans for an education that im not using.
Product: Prepaid card

I still can not access via XXXX phone number to dispute transactions with a live agent. Nor am I able to dispute transactions on their website or my account via their website. I forgot to look further into the dates previous to the week prior to XX/XX/XXXX. In any case, upon looking further, I am filing a dispute regarding transactions for a refund to card ending in XXXX for the following : XX/XX/XXXX - XXXX charge for XXXX XXXX {$370.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$51.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$29.00} XX/XX/XXXX - XXXX charge for XXXX XXXX {$3.00} XX/XX/XXXX - XXXX charge for XXXX XXXX XXXX, XXXX {$29.00}
Product: Credit card

On XX/XX/XXXX I went into the local Brooks Bros. store and learned they no longer stock the mens dress shirt I have bought from them for 40 years. XXXX XXXX the store manager told me he could sell me a custom shirt and when it came in if I did not like it or it did not fit I would not have to take. That day I charged the shirt and a tie on my Citibank , N.A . Brooks Bros. credit card. I left with the necktie. 

XXXX from the store called me to tell me the shirt had arrived. I went by the store and XXXX helped me try it on. XXXX was not there. The shirt does not fit it is too tight in the body. I left the shirt with XXXX. I asked XXXX to credit my account and produced my Brooks Brothers credit card. XXXX said he could not do the credit, XXXX would have to do it and he would make sure the credit happened. He said he would have XXXX call me. XXXX never called me. 

When my Brooks Bros. bill came in the charge for the shirt was on it. I called and got XXXX on the phone and he said he would talk to XXXX. I asked him to have XXXX call me. XXXX said he would and assured me the credit would appear on my account. I followed up the call with an email. XXXX would not respond to me. I also sent a notice of billing errors in writing to the address the top of my account statement. 

Citi continued to bill me. I called Brooks Bros. Customer Service on XX/XX/XXXX and spoke to XXXX. I followed up with an email to XXXX. XXXX wrote me back and said I spoke to XXXX at the store. He agreed with what we had spoken about and XXXX will credit you for the cost of the shirt via POS at the store. They apologize for the lack of communication as well. XXXX will be back in on Saturday and will take care of the refund then. 

Citibank N.A. has continued to bill me and every month it adds late fees and interest. On XX/XX/XXXX Citi Retail Services wrote me about my XXXX account with a determination that the charge was authorized. Obviously that letter made no sense because XXXX is not involved in this matter. 

On XX/XX/XXXX Brooks Bros. wrote and thanked me for being a valued Brooks Bros. cardholder and said in order to receive the credit I need to contact the store manager for further processing. Regrettably the store manager will not respond me. Yet Citi keeps sending me monthly statements with a new {$40.00} late fee and interest charges every month. 

I have continued to write Citibank N.A. monthly protesting the charges and asking them to cease and desist these unfair billings. I have copies of my monthly requests to cease and desist. 

Im requesting this agencys assistance to require Citibank N.A. to stop this fraudulent billing practice and mandate Citibank N.A. credit my account all charges and reflect a XXXX balance without any adverse credit agency reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX these companies, have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX XXXX not mine XXXX   XXXX/XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX Amount : {$520.00} For : Charges not covered by my insurance carrier for XXXX XXXX XX/XX/22 : XXXX XXXX confirmed both in writing and through repeated 3-way phone calls with XXXX XXXX XXXX XXXXXXXX and XXXXhe third-party debt collector that I am NOT responsible for this debt. This is an attempt by the hospital to " balance bill '' me. 

XX/XX/22 : The hospital billing department agreed to appeal to my insurance company to attempt to collect the outstanding amount.
Product: Credit reporting or other personal consumer reports

I disputed through experian and XXXX, they both took less than a week to come back and say it is correct, even though I have sent information that it isn't correct. I have reached out to the original creditor who told me they sent the correct information and it's up to the credit bureaus to report it correctly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spark Capital One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut my business down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the credit reporting agencies about numerous remarks on my credit report that I do not recognize since XX/XX/2018. I provided them with a police report stating my identity was stolen and the affected accounts and they are still appearing on my credit report. Per FCRA guidelines, the following accounts should have been removed XXXX, XXXX XXXX , XXXX XXXX XXXX and Creditors Collection.
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. 


XXXX XXXX and 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 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

Experian Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my XXXX Credit Card. 

Experian Credit Website is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX then I suffered from XXXX XXXX and still is suffering from XXXXXXXX XXXX. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad XXXX  all the time coupled with XXXX from taking XXXXXXXX XXXX The reason that I was not checking the charges of my XXXX XXXX. 

I am a XXXX old proud XXXX XXXX XXXX XXXX that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- Experian Credit Report which has affected my Quality of Life. I have a lot of charges in my XXXX Credit Card due to these Illegal Charges. 

I already filed a complaint with XXXX who credit back the monthly charges, but later on, XXXX recharged my account again siding with Experian. 

I called XXXX and filed a Dispute, but they will recharged these Experian Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX
Product: Checking or savings account

I purchased a pair of XXXX sandals for XXXX from XXXX on XX/XX/2020. I haven't received my money back or sandals. Now I waited 30 days and I was texting her and she stop responding. So I contacted my bank and I received a temporary refund from my back and then they took back.