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

I wrote to Experian on several occasion asking them to remove these accounts unless they can properly verify them. I receive several letters from them with different dates stating that the investigations are still pending. I wrote them more than 30 days ago regarding this matter and they still have not provided me with proper verification. 

I am trying to resolve this issue immediately. If this issue is not resolved, I will be pursuing litigation under a Civil suit and also requesting a class action suit. 

Experian XXXX Box XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX / DOB : XX/XX/1970 To Whom It May Concern : Please be advised this is my THIRD WRITTEN REQUEST. 

The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed contracts for these accounts. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

Thank you, XXXX XXXX XXXX Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. 

Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Account Name : XXXX XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

I have debt collectors calling my home phone number XXXX constantly for debt they are trying to collect for other people with the same last name or people who are in my family. They call and leave threatening messages constantly about serving papers to XXXX XXXX ( not me or anyone in my household ). If I pick up the phone the autodialer hangs up on me every single time. They call from toll free numbers, numbers showing fake names ( caller ID Spoofing ) or cell phone numbers with area codes all over the country with no names attached. I am sick and tired of the abusive calls to my home all day and night. On XXXX/XXXX/15 XXXX CST they called from XXXX. Over the years I have told them repeatedly that I am not XXXX XXXX nor am I paying her debt. I do n't think I should have to change my phone number because of these calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 




there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX - ACCOUNT NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction/permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

Hello, I am filing a complaint with the CFPB regarding Capital One Bank failure to deposit my direct deposit from my employer and any other incoming deposits. Capitol One has citied technical issues, which may violate the Electronic Transfer Funds Act ( EFTA ) as it requires timely access to funds. This situations has raised concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld.

Thank you
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00} .is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Experian, XXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$2900.00} Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Already reported this account information incorrect. The account type is incorrect. 

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.. 1681 section 604 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The account was connected to my wifes debit card. Her card was compromised and she had to get a new card. The information was not updated on our end in a timely manner. However, it is a {$38.00} recurring payment and has now been corrected.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX stating that I had a new hard inquiry on my credit report. Soon after, I received the same alerts from other credit bureaus, credit karma, bank, and credit card accounts. I looked into the alert and saw that I had a hard inquiry from Pentagon Federal Credit Union " PENTAGON FEDERAL CR UN recently checked your Experian credit file for an installment loan or new bank account. '' I then attempted to contact XXXX and Pentagon Federal on XX/XX/XXXX. XXXX was closed for the XXXX XXXX holiday and Pentagon Federal never answered ( I tried the number provided by the creditor, listed on XXXX ). 

On XX/XX/XXXX, I tried to dispute the inquiry via XXXX online but was informed I needed to call. 

Today, XX/XX/XXXX, I contacted XXXX and had the first representative place a Fraud Alert on my account to ensure that I am contacted if someone tries to obtain my credit report. I also filed a dispute with XXXX, over the phone, and they said I should see it removed from my account in the next XXXX hours. They then informed me that I should contact local police to file a report and submit a complaint through the government. Then, they said I need to upload proof that I had submitted complaints and tried to contact the creditor, Pentagon Federal. After I talked with XXXX, I tried Pentagon Federal at XXXX different phones numbers ( XXXX, XXXX, XXXX - no answers or machines to leave messages ), via chat bot ( not a human so wasn't understanding my request ), and submitted a message via their Contact Us page ( have not heard back yet ). Then, I called my local police department to ask how to file a report and they instructed that I should come in and bring any documentation I have ( I am planning on doing this still ).
Product: Credit card or prepaid card

I found a new credit card on my credit report that I did not authorize. It was with Citi bank. It was supposedly opened on XX/XX/2019 reported on XX/XX/2019 with a limit of {$5600.00}. I never signed up for this card and have not received a card in the mail. I am worried that it might be identity theft.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally complain about Experian 's failure to properly reinvestigate inaccurately reported late payments on my credit report associated with my XXXX XXXX account, number XXXX. These errors are negatively impacting my credit score.

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 2 ) ( 4 ) ( 0 ) ), Experian is required to conduct a thorough reinvestigation when a consumer disputes the accuracy of the information in their credit report. Despite my disputes, the following payment record is incorrectly reported on my credit report : XXXX : 30 days late This inaccuracy must be corrected, and I request its immediate removal from my credit report. 

I formally request that Experian provide me with a copy of the reinvestigation report, including detailed documentation and evidence that justifies the conclusion of the investigation. It is crucial for me to understand how the reinvestigation was conducted and to verify that the procedures followed were appropriate and that the final decision is based on concrete and verifiable evidence.
Product: Debt collection

I received a summon and complaint from the courts, however someone credit information was attached. I have answered the courts and have sent a letter to the creditor to correct this information.
Product: Debt collection

Constant barrage of collection calls from Midland Credit Management. I have no business with them and no defaulted or bad debts. My credit report reflects nothing even late and I have a very high credit score, but they constantly harrass me. Sometimes they call in rapid succession from different numbers, so it seems like three different entities are calling, but I research the numbers and they are all from Midland Credit Management. I also sometimes get random number calls prior to and after their calls. I have never received any official documents or mail correspondence from them, I have no information at all about whatever debt they are accusing me of holding, no amounts or dates of supposed debts, no creditor names or business information, no account numbers or anything else. Ive never received any notice about anything from them, just a sudden influx of harrassing calls that wont stop. If it was real they would correspond by real methods instead of robocalls. I can not trust them with my personal information, so do not provide them with it if possible.
Product: Debt collection

The debt I'm alleged to owe is XXXX from XXXX XXXX. XXXX XXXX  abruptly canceled my home owner insurance because of my roof. However XXXX XXXX denied me time to hire a roof contractor to look or even repair my roof if need be. This was due to the weather as to why I need and requested an extension for someone to see if I need roof repair. 

XXXX XXXX cancelled my home owner insurance on XX/XX/2018. I was then told that my insurance was covered till XX/XX/2018 and I did not need to pay any more when my insurance is canceled on XX/XX/2018 from XXXX XXXX. This was told to my spouse XXXX XXXX   local agent and corporate headquarters. Now i have been put in collection without being told by XXXX XXXX prior to being put in collections. Plus I was told that I do not owe any more money. Now Im being threatened by this collection agency to pay money that I do not owe. I received Spam virus phone calls from the collection agency all day and night. The Credit Collection Services continue to Threaten to report me to the credit reporting agencies if I dont pay now. Also Previously I have been with XXXX XXXX for over 20 years, and am very disappointed with the current events with my Home owner insurance policy.
Product: Credit reporting or other personal consumer reports

XXXX has failed yet again to remove another inaccurate account from my credit report. I want an explanation explaining the steps they used to verify this accounts accuracy, because I believe they are doing incomplete, inaccurate, and even some would say " fake '' investigations. I sent in all proof of the inaccuracies to XXXX and the CFPB and would need this account removed immediately. This account is also now being put under litigation because XXXX is not showing any fairness to its consumers. 

Account in reference : The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XXXX. 

Source : Experian Date Submitted : XX/XX/year> Estimated Resolution Date : XX/XX/year> Report Number : XXXX Account Number : XXXX
Product: Debt collection

There is an account showing up on my credit which isn't mine nor was I ever aware of this. Please help assist I have disputed with nothing returned.
Product: Prepaid card

I just tried to use the remaining balance on my XXXX CitiBank gift card but could not as it had expired. I then went to check my balance and saw that my money had been stolen in the form of an " Balance Expiration Fee ''.
Product: Credit reporting or other personal consumer reports

I asked who the companies was and what they wanted my credit for. I started XX/XX/year>. This is when I seen all these creditors inquiring in my credit. None of these inquiries are authorized.
Product: Checking or savings account

I had Identity Theft did a Police Report went to the bank to fix issue the bank knows what has happened but yet Refuses to give me back all my Funds
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion lowered my credit score due to inaccurate negative payment history that was inaccurately reported by XXXX XXXX. XXXX XXXX notified TransUnion of the inaccurate, negative payment status that was reported and they also corrected the error. 

TransUnion has still refused to correctly report my positive payment history with XXXX XXXX and has not raised my credit score back to the very good status that it was ( over 740 ) before this negative, inaccurate payment history was placed on my credit file.
Product: Mortgage

I attached letter.My problems begun when I called for a little over a year trying to find my loan payment amount.I asked numerous times if i could just apply a payment.I was told I could not because they do not have anywhere to attach it to.I get several more months behind.I was told they needed all of my payments at once.I was not able to do so.Then the pandimic accurs.I get even more behind. I am now out of work and could not catch up.I contacted the homeowners relie program.I followed all instructions.I recieved a call after many months send paperwork in and geting the intial application steps on the portal completed. I was approved my paper work was being sent over to my mortgage company.The last thing that was explained to me was do not buy anything from anyone there was alot of fraud going around and people calling trying to get things.I was asked to only answer to the repeersenriv that a repersentive would contact me.I would check the portal ever week.No call No update.I went on to the portal to check my status for a few months. I was hearing friends and others were already getting help.I loged on and I could not believe my eyes.It read eneligible.No letter no call. I called numerous times I files three appeals.All unanswerered.I call leave voice mail after voice amail.No call.

I am so frustrated with my morgage compnnay and alask ahousing.PLease help.I have reached out to them and nothing.I emailed I calklled I went there i left messages.I even spent numerous days on life surport my electric was disconnected over all of this mess so the next thing I knew my good friend happen to stop by at 3 am because they were locked out of their home .They found me in my hall way unconscious along with some friends that stayed over.I nearly lost my life.My parents willnever be the same.I still have a lot of fog.The doctors said I was very lucky.They did not see a good outcome initially. 

I am asking that you please help me with this situation.Thank you so much for listning. 
XXXX XXXX
Product: Checking or savings account

I have an online savings account with the Synchrony Bank. I deposit money into the account and withdraw money from the account by doing online transfers from my checking account at my local bank. When I do an online withdrawal, scheduling a transfer of money from my Synchrony savings account to my local checking account, Synchrony informs me that it will take XXXX XXXX XXXX for the transfer to occur. However, I've noticed that Synchrony takes the money out of my savings account on the day that I schedule the transfer, even though it is not deposited in my local bank until XXXX XXXX XXXX later. I've noticed that ACH transfers I do from other institutions ( such as XXXX or my state-operated deferred compensation fund ), can occur overnight. I believe that Synchrony may have a practice of withdrawing the money from my account, but then holding on to it for XXXXXXXX XXXX XXXX, in order to gain XXXX XXXX use of my money without paying me interest on it. This seems like an unfair practice.
Product: Credit reporting or other personal consumer reports

I request that all noncurrent and Non accurate information be updated and removed from my consumer report.
Product: Credit card or prepaid card

I reported unauthorized charges on this account and Barclays is billing me for this fraud charges that occurred on this card. LUXURY CARD ... XXXX. 
The balance should be XXXX. I have been on the phone with Barclays and I have been passed to department after department with no help on this matter.