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

*COMPLAINT FOR NO RESPONSE IN XXXX REQUIRED UNDER FCRA XXXX Subject : Complaint against Experian for Violation XXXX FCRA Dear XXXX, I am writing to file a formal complaint against Experian regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXX XXXX, 2024, I sent a letter to Experian via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit reporting agency is required to respond to my request within 30 days. However, I have not received any response from Experian, despite the certified mail receipts clearly indicating that they received my letter. 

This failure to respond within the specified timeframe constitutes a violation of the FCRA by Experian. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections XXXX ( a ) and XXXX ( a ) ( XXXX ) ( A ) of the FCRA. 

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Experian. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Experian complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Experian be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Experian 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by Experian and ensure that my rights as a consumer are upheld. 

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

My credit report includes errors in connection with 15 USC 16c-2. The hard inquiries shown were not authorized by me and are damaging my credit. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and see that there is this XXXX XXXX Credit Card AKA XXXX  XXXX   XXXX that I did not authorize to open in my name. This account was fraudulently opened in my name. The balance says I owe {$610.00}, which I do not. Please have this fraudulent account removed from my credit reports.
Product: Checking or savings account

I am writing to formally raise a complaint regarding the missing bonus for my XXXX XXXX Account, which I opened XXXX months ago. Despite fulfilling all the required criteria and following up multiple times, I have yet to receive the promised bonus. 

Here are the sequence of events for my case XXXX. Opened XXXX XXXX account XXXX with promo code XXXX. Added XXXX funds from my different bank account. 
XXXX. After 90 days,XXXX told me that I am qualified for bonus and I will get amount credited after 1 month completion of 90 days. 
XXXX. Called Capital One service desk on XXXX twice. Agent confirmed that I am qualified and will receive the bonus on XXXX XXXX. Called Capital One service desk on XXXX and agent told that I am NOT qualified for the bonus. 
XXXX. Requested to raise escalation case # XXXX, which will be assured by Capital One that I will recieve resolution within 15-30 days. 
XXXX. Follow-up XXXX time on XXXX, agent told no action has been taken on the previous escalation and raised another escalation case on top of it. 

I appreciate your support in addressing this matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card

Comerica bank for Direct Express invalidated my card. I can't log in on the app or the website. I have now spent almost 4 hours on hold trying to speak to someone and have been hung up on. I can't use my card until I speak with someone, but I'm unable to reach anyone.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be second attempt to try to resolve my matter with XXXX XXXX XXXX. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my account is reported to credit bureaus XXXX, XXXX  and transunion it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XX/XX/XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.
Product: Credit card

Wells Fargo charged interest on the full amount which does not recognize multiple payments made within the billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm confirmed to be affected by the Equifax data leak.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court. This has aready been handled. Please remember in XXXX the UNITED STATES Government declared that they would pay all of my debts with the money they receive from the labor, birth certificate, and social security registered number by what is known as my Reserve Account. this is Known as the XXXX. Further more the information is incorrect because my name is spelled in all caps as on my birth certficate. That is my Idenity. The Privacy Act of XXXX covers me regarding my personal information being public. Please provide my signature authorizing the bankruptcy to be public. I am also a victim of idenity theft.
Product: Debt collection

I was on the phone with XXXX XXXX and I expressed concerns about whether or not this was a legitimate phone call because the number who was calling me was different from the number listed on their website ( common tactic apparently ). After expressing my concerns, the supervisor who was on the line said, " Sir I know everything about you, your social is *** ** **** and your current address is ***** XXXX XXXX, ******* California ***** ''. She said both my social security number and home address out loud in a call center where other people could hear and possibly compromise my identity. With this information, someone can easily compromise my identity. 

In my entire life, I have never heard a company verbalize my full social security number. Most companies say, " can you please verify the last 4 of your social security number? ". But not this agency. This agency decided to play by their own rules and make me extremely uncomfortable as a consumer. 

I want a phone call apology. I want to know that this will not happen again and that the agent knows they are in the wrong. I am sick of how this company treated me. I paid my debt off with them and they still won't apologize for potentially compromising my identity. 

Please let me know next steps. Thank you, XXXX
Product: Debt collection

Miller and steno based in XXXX XXXX Missouri have been actively taking any debt with my or my wifes name, They have sued us and garnished our wages over a case, from 2017 never sent us a notice of debt being paid off and now are trying to collect the same debt alleging it was never paid, My wife works for a company that keeps records of her paycheck stubs, they were hoping we forgot and are trying to take close to XXXX more from us for a debt that has already paid. They were at one point calling us threatening that our credit scores would be harmed if we did not pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My checking account was fraudulently charged XX/XX/XXXX {$100.00} at a XXXX. I immediately canceled my debit card as this charge was not recognized. On XX/XX/XXXX, I reached out to School 's First Federal Credit Union to open a dispute. They provisionally refunded me until they completed their investigation. The investigation was completed XX/XX/XXXX and they charged my account, stating the card and pin were used. This was impossible, however, as the card had been with me 100 % of the time, and I was even out of town the day the charge occurred ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 XXXX 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 or other personal consumer reports

Did not authorize, : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX XXXX, 2015 Fifth Third closed my checking account without notifying me. On XXXX XXXX, I went on line to check my balance and seen the account closed. I Called the XXXX office in XXXX Florida immediately, spoke to XXXX, asked him why the account was closed and he said they did not want my business. I told him I would pick up the check, he said I could not pick up check, it was mailed to me on XXXX XXXX. On XXXX XXXX I called and spoke to XXXX, told him I still did not receive the check and he said it would take 5-7 business days for me to get the check in the mail. On XXXX XXXX I called him again to tell him I did not receive the check and he said to give it a couple more days. I told him to just cancel the check and write me a new check and I would pick it up. He said he could not do that and I have to wait to receive the check. I told him it does not take 10 days for a check to be delivered by the post office. They are refusing to give me my money and I think the check is still sitting at the XXXX office. When I asked him who closed the account he refused to give me an answer. When I called customer service for fifth third they said the XXXX office closed the account and they could tell me exactly who closed it and where the check is. Customer service said I have to deal with the branch that closed the account, no one else can help me. I emailed customer service XXXX times and no one ever responded, though their email to me said they would get in touch with me within 24 hours of receiving my email. I left message for the manager to call me and never heard back. As the attachment shows it is alot of money they are holding of mine. XXXX 's last remarks to me were if he has to cancel the check it is a very hard and long process and it could take months to do that, so I better just wait for this check unless I want to wait at least 2 months more before I get a replacement check. They are being unreasonable and I know it does not take this long to get my check. I have talked to several other banks in town and they do not believe the way fifth third is handling this. Other banks I have talked to say, when they close an account they notify the customer and let them come in and get their money. When I mentioned this to XXXX, he said they always close accounts this way. I never received a certified letter from fifth third as XXXX states was sent to me. When I asked him to prove who signed for it, they would have it on file, he said he could not locate this information.
Product: Vehicle loan or lease

I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through Chase Auto, started in like XXXX. I refinanced the vehicle with XXXX XXXX XXXX XXXX in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by Chase Auto as late payments are inaccurate as they received a check in hand in person at a Chase Bank location as instructed paying the vehicle in full and were to release the title and or lien to XXXX XXXX XXXX XXXX. While I initially got a low rate for my vehicle with XXXX for monthly payments that rate quickly skyrocketed because XXXX did not have the tile ot lien to vehicle which Chase Auto keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially XXXX approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with Chase it was at about XXXX plus when refinanced with XXXX it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While XXXX is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the XXXX banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from XXXX and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice on my credit report today that indicated that XXXX XXXX and Walmart ran a hard inquiry on my credit report from XXXX Florida which I never authorized. I called and they claimed to have cancelled my application and that there was only one application from today. However, I have voicemails from last week from XXXX XXXX seeking to verify my loan application for fitness equipment ( XXXX ). I separately received a phone call from XXXX asking about my purchase. The Synchrony representative claims that they don't have any record of this other application as well. This is clearly a sketchy finance company based on the other records in the complaint database. I do not know where they are getting my information.
Product: Debt collection

Blakely and Witt Associates have reported inaccurate information to the credit bureau for the amount owed for a debt. They just provided hand written invoice with no receipts or proof of debt or the amount requested. The form had no account information shown. On the letter it shows they accelerated rent from XX/XX/XXXX- XX/XX/XXXX but the creditor then advised someone moved in under 2 months but actually the new tenant moved in less than 30 days of me moving out. I have not received a letter indicating my right to dispute the debt within 30 days of receiving a collection notice. They never tried contacting me prior to it being reported on my credit. Initially they reported on my credit report I owed XXXX which was also wrong and then adjusted to the XXXX. I only stayed at the apartment for just over a month. I had a security deposit of XXXX dollars. I owe XXXX  dollars. Outrageous fees have been added to the balance with no proof of the amount they are requesting. When I call them they don't answer. The representative XXXX is extremely rude and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education still has incorrect information on my credit report. I have reached out to Transunion and XXXX  about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.
Product: Debt collection

I was contacted by both my Mother and my wife today stating that they received calls from a company named ERG about an alleged debt. Not sure how this company gained access to my mothers home number or my wifes unregistered work number. 

My wife forwarded me the info and I contacted a person and inquired about the alleged debt. They shared with me that there had been numerous attempts to collect a debt tied to a credit card company named XXXX. Told them that I hadnt received such info and asked if was sent certified mail. Their response was it was sent general mail. Told them I hadnt received anything. 

Contact told me that this info was on my credit report, which it is not, and that I went delinquent on this account in 2014. They say I was offered a settlement, which I was never contacted, and that I owe them {$2000.00}. Asked if I wanted to work out a plan. I told them that I dont recognize a credit card with XXXX, that I was never delinquent on any debt over the last 7 years, and that they should proceed with next step actions that they spoke of at the start of the call. 

My assumption is that they are trying to collect on something outside the statute of limitations. I have no records if this debt but my records only go back 10 years. 

I want to make sure that this company knows that my record keeping us impeccable and that I assume they will be willing to share all of their documents during discovery if they choose to go through the courts. 

I also want this company to know they have my cell number and that they should not be harassing my elderly mother or my wife at her place of employment.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unles
s 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports