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

Complaint : I am filing this complaint because Experian has failed to properly investigate and verify accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and supporting evidence to substantiate my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

* Experians failure to comply with the FCRA has caused me significant harm by negatively impacting my credit profile and financial well-being. Specifically : * Experian has failed to notify me of the methods used to verify the disputed accounts.

Experian has not provided any documentation or proof from the furnishers of the disputed information to confirm its accuracy. 
* My disputes have been dismissed without a proper reinvestigation, in violation of the legal requirements under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an account for Hunter Warfield and it is listed as a closed account. It is also reporting as being paid late this month which lowers my score. I have disputed it and have spoken to the customer service representative concerning this. The agent does not seem to understand English well and continues to tell me that it will remain on my report for 7 years. I continually tried to explain that the report is inaccurate but nothing ever happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a subscription with Experian to monitor my credit file. And even though I pay Experian for online access to my account and to dispute items online, Experian blocks me from disputing online a fraudulent account being reported by XXXX/XXXX  XXXX  XXXX. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to XXXX/XXXX   XXXX XXXX  reporting of a mortgage paid late allegedly owed by me. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputing the account to XXXX and Experian and providing them both police reports they say they never received. Under the FCRA fraud victim rights, when a credit bureau/ credit reporting agency is notified of an account as fraud the account is supposed to be blocked by that agency/bureau during the investigation. Upon receiving proof of the item as being fraud it is to be removed. I provided Experian with a police report that identified XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXas fraud. 

I also disputed it with and provided letters of dispute sent to XX/XX/XXXX/XX/XX/XXXXXXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. Experian sends me a dispute completion notice stating that I should have known this account and that they verified it as mine when I AM THE VICTIM OF FRAUD. 

I tried numerous times to continue my dispute via online but I WAS BLOCKED EVEN THOUGH I PAY EXPERIAN FOR THIS SERVICE. Under the fraud victim rights according to the FCRA, I am entitled to have this account blocked as I have identified this account as fraud and I have provided TWO SEPARATE police reports indicating XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXas fraud. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to Experian in reporting of this fraudulent account as it is defaming and willfully harming me as a consumer. I also requested a personal statement be added to the XXXX account in my credit file specifically stating that " XXXX account is Fraud ''. 

I provided Experian with the cease and desist I also sent it to XX/XX/XXXX/XX/XX/XXXXXXXX XXXX in their reporting of this fraudulent account to Experian.
Product: Credit reporting or other personal consumer reports

I would like to delete these addresses on my credit report they are non-mailable addresses the only address that should be on my credit report should be the one i provided bellow, the following documents my id and a bill
Product: Debt collection

XXXXXXXX XXXX, notified me of a past due balance on my account, due to a financial aid error. ( I completed the financial aid package for the incorrect year ) they agreed to allow funding of the following financial aid award to be used to cover the past due balance. I had to unenroll in the present classes I was taking because XXXX did not disclose that I would be required to participate in a proctored class that would require me to travel on campus. All of the details were not made available upfront, XXXX represented the agreement in a deceptive manner. Also, the disputed amount differs from the original amount owed. When I attempt to speak with them about the matter, I am disregarded and referred to collections. Collections, has not provided true debt verification in this matter. The last email between myself and the university is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXXXX Respond with the XXXX balance owed. Itemizing any collected payments or additional fees. Release, my transcript in alignment with the current law, As of XX/XX/year>, the U.S. Department of Education ( ED ) has new regulations that limit the ability of colleges to withhold transcripts from students who received federal financial aid : Colleges can not withhold transcripts if a student has paid all institutional charges and their credits were paid for with Title XXXX aid Colleges can not withhold transcripts if the student is at an institution that is at risk of closure or is deemed not financially responsible Colleges can not withhold transcripts if the student 's account debt is due to an error made by the institution in administering Title IV funds Colleges can not withhold transcripts if the student 's account debt is due to fraud or misconduct by the institution or its employees Some states, including California, New York, and Ohio, had already banned transcript withholding in some cases before the federal rule change. Research has shown that transcript withholding disproportionately affects low-income students and students of XXXX. 

I will allow for XXXX hours before taking further Action against lack of action.
Product: Student loan

I just received a notice from a debt collector on a loan i took out almost a decade ago. While I thought it was consolidated under XXXX XXXX, and I had been making payments on it along with everything else. apparently I had not made payments on it since last XXXX Yet. i did not receive any notices of payment, nor any notices that payments have not been received before now. I have stayed in this location for many years, moved once, then moved back and stayed here since 2013. It should have been incredibly simple to contact me, yet this debt collection notice is the first thing I have ever seen about it. It has likely harmed my credit and after all the work i have done paying down and consolidating my other loans, this happens. I am going to contact them tomorrow with many questions, but wanted to begin this process early in case of the likely event of further trouble. This seems illegal but i will do what I can to correct the issues.
Product: Credit reporting

There are certain items or accounts on my credit report that should not be there. Some of them are over 7 years old. Thank you for your time and consideration to read this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 622 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was instructed today, XX/XX/XXXX by a Loandepot representative to submit a compliant to the credit bureaus regarding Loandepot because this was my 6th time research out to them to have my mortgage loan state close on my credit reports because it has my debt to ratio very high. 

Please note that Loandepot was paid in full on XX/XX/XXXX and I'm not understanding why it is taking Loandepot so long to change the status of my old loan with them from open to close. 

It been 6 months since I've been a customer with my current mortgage company : XXXX. 

I would greatly appreciate any assistance/help that you could provide on my behalf to get this mortgage company to comply with my request. 

I've included below one of my request to Loandepot back in XX/XX/XXXX to have this matter resolve. 

-- -- -Original Message -- -- - From : Customer Service XXXX To : xxxxxxxxxxxxxx Sent : Sun, XX/XX/XXXX XXXX XXXX Subject : Inquiry auto-reply We are in receipt of your inquiry and will respond in the order of receiving. 

Sincerely, Email Support AS OF TODAY SUNDAY XX/XX/XXXX LOANDEPOT STILL HAVE MY ACCOUNT AS OPEN. This is my 2nd TIME REQUESTING THAT YOU CLOSE THIS ACCOUNT BECAUSE ITS HAVING MY DEBT TO RATIO OFF!!!!! THIS IS THE XXXX MONTH THAT I HAVENT BEEN A CUSTOMER WITH YALL.
Product: Debt collection

The name of the company is called XXXX XXXX, their phone number is XXXX. I've asked repeatedly to STOP calling my place of work and still they harass me. Their last call was today XX/XX/2018 @ XXXX. They've called every day and several of their calls I've missed, but I've already told them 3 times that I do not appreciate them calling my employer. They NEVER leave a message, which leads me to believe that they're SCAMMING rather than trying to communicate.
Product: Credit card

There was a hard inquiry made in my on my XXXX credit report for a JCPenney credit card. This was not me. This is fraud
Product: Checking or savings account

I missed a couple years on taxes so I filed for XXXX tax returns this year yay!!! lol but I deposited my cash from my tax return in XXXX it didnt show up and my second tax return can in XXXX at the end of the month I deposited it also. I have proof I got both my tax returned this year with in the last couple months. My account balance is in the negatives because they say it was false and they would not open up my deposit of XXXX because of some reason in total about XXXX was in my account and these guys act sooo non challenge
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I never opened up - XXXX Opened XX/XX/XXXX for {$630.00}, - XXXX Opened XX/XX/XXXX for {$210000.00} - XXXX  XXXX Opened XX/XX/XXXX for {$250.00} - XXXX  Opened XX/XX/XXXX for {$5100.00} - XXXX XXXX XXXX  Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX  Reference number - XXXX Record type Bankruptcy chapter 7-discharged XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________ XXXX XXXX BANK SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX BANK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX & XXXX Original creditor : XXXX - XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX - XXXX XXXX XXXX XXXX XXXX Removed From XXXX XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX XXXX creditor : XXXX - XXXX XXXX XXXX XXXX Original creditor : XXXX BANK - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX BANK N.A. - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX BANK - XXXX INQURIES XXXX XXXXXXXX NA Inquiry date XX/XX/XXXX XXXX XXXXXXXX NA Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX CO Inquiry date XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Checking or savings account

I received a SBA Economic Injury Disaster Loan despoit in the amount of {$18000.00} on XX/XX/2020. On XX/XX/2020 Citibank froze my personal bank account stating that my loan was fraudulent because it was a personal account not a business account. Since Im a XXXX XXXXXXXX I was not aware that I needed a business account. I was also told that my account would be closed and any due will be returned in the form of a check within 60 days. Citibank has not returned thr funds or released any funds and it has over 60 days. They also are refusing to communicate with me on the phone as well as in the branch. 
I also contacted the department of treasury about this issue and they have confirmed that money has not been returned to them and they illegally hold my funds that Im entitled to.
Product: Money transfer, virtual currency, or money service

Hello good afternoon Im writing to express my concerns about Zelle handling of a dispute, it was never taken care of & this is why Im writing this I have used Zelle multiple times & it has disappointed several times I feel like it has failed me my problem was never taken care of it was just like nothing. Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone used my credit to take out a apartment lease in my name. I have never lived at a apartment complex by the name of XXXX XXXX XXXX and this is being reported under my credit report rental history for XXXX, Transunion and XXXX. The eviction was filed on XX/XX/XXXX. Recorded and reported date shows as XX/XX/XXXX at XXXX XXXX magistrate court. I have reported this information to the XXXX XXXX police report.
Product: Student loan

I have been trying to pay Mohela for student loans since XX/XX/year>. I have set up my bank account. I have paid Mohela, and the website says the payment is being processed, so the payment will be received. I have then checked my bank account, and no money has been taken out. I waited the appropriate amount of time for the payment to go through. I will recheck my Mohela account, and the payment will be reversed. I have done this several times. I have made sure to double-check my banking account information. Nothing seems wrong, and I'm at a loss for the next steps. I want to pay my student loans.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( TransUnion, XXXX, and XXXX  ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - XXXX  ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and XXXX has certified the bankruptcies filed were confirmed as being accurate. XXXX  the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying XXXX the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. TransUnion sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating XXXX has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information XXXX, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. XXXX had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my XXXX file, and the bankruptcies were removed I provided a letter from XXXX dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and TransUnion ) verifying information with XXXX the furnisher of information that doesn't exist according to XXXX. Unless each CRA can provide to me a copy of their investigation via XXXX, that will show a valid and confirmed investigation report with XXXX confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or XXXX is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and XXXX. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.
Product: Vehicle loan or lease

I totaled my vehicle finance through synchrony bank back in XXXX. Synchrony bank has giving me a problem with paperwork for insurance company since XXXX. I have gotten 60 days late payment. All because their system is over the phone only they dont take my bank debit card for payments. Its been a headache since I purchase the vehicle last XX/XX/2022. I talk to one nice gentleman that got it all done in 2 business days. After it has ruined my credit. Im so heartbroken. I worked so hard for my credit. They will not even get the credit bureaus to take it off nor will they take off all the late charges.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation to ensure accurate reporting with disputed inaccurate reporting information, leaving inaccurate and unverifiable information on my credit report. ( CFPB ) has recently Filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing adequately notify consumers of dispute outcomes. These failures align with my experience. Equifax has failed to rectify or correct any and all inaccurate information which has cost me thousands of dollars. To date Equifax has not removed inaccurate information or deleted them. Equifax has violated my federal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize for these companies to perform any type of inquiry on my credit report. 

These fraudulent actions were conducted without my consent or knowledge. 

REMOVE IMMEDIATELY!!!