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

I am writing to express my deep concern and frustration regarding the ongoing presence of an inaccurate and fraudulent account on my credit report. Despite my repeated attempts to rectify this matter and provide you with substantial documentation proving the incorrectness of the reported information, Experian has failed to take appropriate action to correct my credit report. By not Removing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/ XXXX XXXX I want to emphasize the severity of this situation and the potential consequences of Experian 's continued non-compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. If this matter is not promptly and accurately addressed, I am left with no choice but to pursue legal action to protect my rights and seek appropriate remedies. 

As a responsible consumer, I have taken every necessary step to provide Experian with clear and compelling evidence that establishes the fraudulent nature of the account in question. This includes submitting copies of my Michigan state-issued driver 's license, a valid police report documenting the identity theft, and a report filed with the Federal Trade Commission ( FTC ) regarding this fraudulent activity. I have fulfilled my obligations under the law by providing Experian with all the necessary documentation that 100 percent accurately associates me with the account in questionnamely, none. 

Experian 's failure to properly investigate and remove this fraudulent account not only violates my rights under the FCRA but also exposes me to significant harm. The inaccurate information on my credit report has the potential to affect my financial standing, hinder my ability to obtain credit, and cause immense distress. It is imperative that Experian rectifies this situation immediately and ensures that my credit report accurately reflects my creditworthiness and financial history. 

I implore Experian to take this matter seriously and prioritize the resolution of my dispute. Failure to do so will leave me with no alternative but to seek legal counsel and pursue legal action against Experian. I trust that Experian understands the gravity of this situation and will take the necessary steps to correct my credit report in a timely manner. 

I demand a written response from Experian within [ specify a reasonable timeframe ] acknowledging the urgency and seriousness of my complaint, and providing a clear plan of action to rectify the inaccuracies on my credit report. It is my sincere hope that we can resolve this matter amicably and without resorting to litigation. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and a satisfactory resolution to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an American Express Reserve credit card that allows me to choose to not pay in full every month. If I do not, then AMEX can charge me interest. My complaint is that AMEX does not allow any time, after the billing cycles ends, for me to fully pay the balance before they send a balance to the credit agencies. 

Example : my billing cycle ended XX/XX/2023. I made an on-line payment the next day and it credited my account on XX/XX/2023. Yet, they reported to XXXX, on XX/XX/2023 my full balance! Even though I paid it the next day and actually have until XX/XX/2023 to pay without any interest penalty. This " balance '' will now sit in my credit score for the entire month, until AMEX does the exact same thing the following month. With this practice it will always show that I'm carrying a balance that I may not if I made a payment the day after the month closed. AMEX customer service answer today was, " well, you could always make a payment before the billing cycle ends ''. Well of course I could - that's not the question. Why can't AMEX wait a reasonable time period to report a balance to the credit agency 's. 

Why is AMEX allowed to send a balance to the credit agencies without first allowing the customer to pay off the balance AFTER the closing date, but before it's deemed " late ''? 

My monthly AMEX balance is so great that this practice is taking my Credit score below 800 - costing me a higher loan rate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX BALANCE {$2000.00} Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  - BALANCE {$27000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Update the late payment remarks as soon as possible because I was never late in this account!
Product: Credit reporting or other personal consumer reports

They are mistaken me for a d/b/a putting student loans and child support on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX XXXX Im in XXXX so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from Experian who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall XXXX  someone XXXX me out but give me a hard time about my own.
Product: Checking or savings account

On XX/XX/XXXX, {$3500.00} was garnished from my USAA checking account from XXXX XXXXXXXX XXXX regarding an alleged unpaid car tax. After speaking with XXXX XXXX ( XX/XX/XXXX ), I was informed that this garnishment was made in error and that we do not owe any back taxes. This error was linked to the XXXX XXXX car tax exemption, despite all necessary paperwork being on file with XXXX XXXX. Additionally, the garnishment demand was submitted to and executed by USAA despite my name being incorrect on the paperwork. 

We were further advised that it could take XXXX weeks to return the funds, even though this mistake was entirely on the XXXX part. As we live on a fixed budget, the loss of nearly {$4000.00} has placed a severe financial burden on us. I was notified by XXXX, the third-party, for-profit credit collection agency who answers when a resident is calling the Department of Tax Administration XXXX XXXX XXXX for XXXX XXXX XXXX XXXX listed on my official XXXX XXXX paperwork, that my account was closed and that the check from my bank ( USAA ) was returned on XX/XX/XXXX. My bank ( USAA ) continued to tell me they could not issue a refund until they received a return check. I asked if they could stop payment and reverse charges, a common bank practice, and USAA refused, even though they received official paperwork from XXXX XXXX stating the garnishment was an error. I escalated my concern to the USAA president and, while I did receive XXXX phone calls from a woman XXXX XXXX XXXX in his office, she was never available to actually speak with me and help resolve this. 

In XXXX, I contacted my XXXX XXXX representative, XXXX XXXX, who forwarded my concern to the XXXX XXXX Department of Tax Administration, XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX, who was very helpful, reviewed my account, and confirmed that the garnishment was an error on the XXXX part. She reached out to USAA to correct the issueand confirmed that USAA received all necessary paperwork ; however, despite my nearly daily attempts to resolve the issue with USAA, it took almost XXXX weeks for my money to be returned. During this time, I was preparing to transition off of XXXX XXXX XXXX XXXX, and this error caused me to miss bill payments, as I had carefully budgeted my finances ahead of XXXX. 
I have two major concerns : 1. USAA executed the garnishment despite the incorrect spelling of my name on the paperwork. Initially, I thought I was the victim of identity theft. 
2. I was forced to fix the errors made by both XXXX XXXX and USAA, with little to no accountability on their part. I worry that this could be happening to others who may not have the ability or persistence to fight back. 
I realize that, in the grand scheme of things, this was a relatively small amount of money. But the impact on me was significant, and I believe the behavior of both XXXX XXXX and USAA was, at best, negligent and, at worst, unscrupulous.
Product: Debt collection

I had a call from a XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX. That they were sending court order papers if I didnt pay. They called my daughter, employer and other family members. I called back XXXX was rude and I then asked when are you apparently filing what you say, she could never tell me. I called back she hung up on me. I called again and XXXX answered. XXXX said we will be filing, I said ok I'm trying to find out for what and tell me when. She could never tell me either. She said welcome to the real world. I said thank you, yes welcome to the real world. I do not appreciate their phone call to everyone especially my employer. The number they called from was XXXX and XXXX.
Product: Debt collection

On XXXX a collection account appeared on my credit report from XXXX indicating a debt from Amsher for {$270.00} dated XXXX I have no knowledge of this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has 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 written instructions.

15 USC 1666B : A creator may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX CDXXXXXXXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXXXXXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXXXXXXX Unverified Account XXXX XXXX-XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I was informed by The XXXX XXXX XXXX XXXXXXXX that I owed on a debt of around {$300.00}. 
I informed them that I did not owe the debt and shortly there after they listed the debt on my credit file in which i sent them a second letter notifiying them that I was not responsible for what they are claiming. 

I then informed them that I would like them to send me any documents that they have, showing that this is in fact my debt that they are reporting on my credit file. and requested written verification. 

they have to make sure i told them that they are reporting information accurately. and when they fail to make sure they have the correct person that they are reporting information on it damages the innocent, such as myself. I have given them more than 90 days to send me written documentation and they have failed to do so. 

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g SEC. 809 ( b ) I AM REQUESTING VALIDATION OF THE ACCOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS.
Product: Checking or savings account

I have had several ACH debits taken from my personal checking account to pay a credit card that I have never been a part of. My ex husband XXXX XXXX is using my checking account that he has never been a part of nor had permission to use, to make his monthly payments. I have disputed the transactions with my financial institution however Capitol one continues to allow these payments. I have called capital one and advised them of the situation and they state that since I am not the primary holder of my ex husband card there is nothing they can do to remove my checking account information that is fraudulently being used.
Product: Money transfer, virtual currency, or money service

Between XXXX. I banked with XXXX XXXX where once I accidentally sent money to the wrong person that was XXXX. I called customer service & they told me it was nothing they could do. The 2nd time someone hacked my acct & sent over XXXX to different ppl through Zelle & I was unable to receive my money back. I ended up closing my checking acct with them due to the mistreatment & losing my hard earned money
Product: Credit card

I am reaching out in regards to a complaint i have with DISCOVER secured credit card that was closed on XX/XX/year> per creditor. 
My account was always paid on time I had a few payments that did not go through when I was out of town because of a safety feature on my bank app. ( Which caused them to not go through sucessfully ) which I presume led Discover to close my account. 
Upon inspection it was documented that a payment for the amount of XXXX $ was processed XX/XX/XXXX direct deposit and Discover does not want to return my money. Every time I go on my app the amount is altered plus the secured credit card was for XXXX $ all in all there is close to XXXX $ owed out to me and when I call customer service I am met with hour wait times and no answers, dropped calls. Very unprofessional. Just shifted from department to department. I would like this issue resolved promptly and my money returned. I feel like Discover can never give me a consistent answer & I would just like my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied employment based on a report that First Advantage pulled. I called them to ask why and was provided a letter showing my credit report. There was nothing on the report that explained what the issue was. I contacted First Advantage back and the representative said my credit report or background check was not the cause and there was and issue with my fingerprint check. I was told someone would call me back in 48 hours. I have contacted this company 3 more times and still have not heard back. They keep telling me that someone from the fingerprint team has to speak with me but they cant transfer me to them. I work for a financial institution and have been employed for 5 years. I had to pass all these tests for my current employer. I do not understand how there is an issue with my report they pulled. I lost out on a great opportunity based on the report they pulled and havent even found out what the issues was. I need to know if there is an error so I can get this resolved. This process has been going on for over a month with no resolution.
Product: Checking or savings account

Today XX/XX/2023 Bank of America took {$360.00} from my checking account to cover a late credit card payment I contacted them through the chat service to address the situation and they said what they did was legal
Product: Debt collection

IC Systems - XXXX XXXX XXXX XXXX  account was not opened by me. was removed and then replaced back on my report. that's illegal. please remove. I am a victim of Identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXXHowever, they stated 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 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX. This account was over XXXX XXXX XXXX and closed. Just to be annoying this company opened it back up and reported it negatively to all three credit reporting agencies and of course dropped the score from over XXXX to around XXXX. This is not the first time that they did this. Once I challenged it with the reporting agencies it was corrected, this however was not something that was done on accident, it was done on purpose.
Product: Credit reporting or other personal consumer reports

My credit report was ran several times which looks like someone was shopping around for an auto loan. It was too many to even count. i contacted the credit bureaus and all they told me was that it only counts as XXXX inquiry and that i need to contact the companies directly. I told them that i was supposed to have a XXXX alert in place so the companies could call me first before running my credit and they say sometimes the companies would still run the credit anyway especially for auto loans. These inquiries don't belong to me XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX XX/XX/2024 XXXX. 
XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX experian. 
XXXX XXXX XX/XX/XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX experian. 
XXXX XXXX XXXX  experian. 
XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XXXX XXXX XXXX experian. 
XXXX XXXX XX/XX/2024 experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

There are also XXXX fraudulent accounts on my credit report that are not mine. I spoke with someone at these companies and they told me to file an identiy theft report which I am doing now. 
XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX amount {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due.

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ...,
This is a notice of default and an opportunity to cure for XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraud account from XXXX showing on my credit report that needs to be Delete and XXXX Inquiries