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

To whom it concerns, I have reached out to XXXX, XXXX, and Experian concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX
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 consumer rights to privacy and confidentiality under 15 USC 1681. 


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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX with Experian for a long time. Now I have been requesting a copy of the contract, proving that is mine, and I am getting no responses they keep allowing XXXX XXXX to change their remarks back-and-forth.
Product: Mortgage

I received a letter dated XX/XX/XXXX that Cardinal Financial Company provided payment to my XXXX XXXX XXXX. On another letter dated XX/XX/XXXX I received a letter that my insurance has been cancelled due to non payment. Mind you I have paid this Cardinal Financial Company on time since the inception of this FHA loan. My escrow includes insurance, taxes, principal and interest. This company has even accused me if I took the insurance check, probably because XXXX XXXX. Now they are going to impose the insurance themselves to raise my mortgage on a XXXX XXXX XXXX. 

Any assistance would be greatly appreciated. 
XXXX XXXX XXXX # XXXX Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections on my account that do not belong to me.
Product: Checking or savings account

Reference # XXXX Huntington bank I thought I purchase concert tickets XX/XX/2024 in the amount of {$320.00}. These funds were taken from my account. I never received a confirmation number, a receipt or the tickets. I filed a fraud claim with Huntington after multiple attempts to reach XXXX  ( an app ) I used to purchase the tickets I never received. I had to use a chat feature as the phone number kept me on hold for hours. The chat kept disconnecting as each agent asked me to email them various pieces of information which I did.. not one agent could locate my order. I was given multiple phone numbers to contact as each stated the purchase was through XXXX  XXXX  ( a reseller ) when calling the numbers provided those agents were unable to locate my order as well.. the phone number provided on my Huntington bank statement was also for XXXX.. when I tried to call that number they were unable to locate my order. Again, this number was given to me by my bank .. printed on my statement. When I called Huntington Bank and was in touch with their fraud department, they provided me a disputes email address to send all of my information to. I emailed them screenshots of my chat, communications, a copy of the transaction, where the money was taken out of my account and expressed multiple times that I did not receive a receipt or a confirmation of my. Again, all of this information was emailed to them. I received written communication from Huntington requesting the same information, in which I hand wrote that I had emailed them what I had and that was all that I had and mailed it back. I received a letter from Huntington claiming that they did not receive the documentation that was requested and so they had concluded their research, and did not find any evidence that an error had occurred. An error did occur, and money was taken from my account without providing me with what I thought I had purchased. Huntington Bank has failed in this investigation. I do not believe Huntington bank did any investigation, and I would like proof of their investigation. I do not believe Huntington bank acknowledged the emails that I sent to them at their request. This should have been opened and closed. The phone number provided by them Huntington Bank for this transaction is clearly printed on my bank statement again provided by Huntington Bank that phone number is unable to locate an order or a transaction for what Huntington Bank allowed. 
All attachments here were sent to Huntington bank via card disputes email
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to review inaccurate information on my Equifax credit report on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received a letter from Equifax stating that the public record of bankruptcy on my credit file has been " verified ''. I have no other documentation, validation or proof of this claim and am demanding that this be removed from my credit file immediately. This claim has caused me great emotional and financial distress, and I was supposed to have this validation information provided to me within 15 days of the conclusion of their investigation per the FCRA.
Product: Money transfer, virtual currency, or money service

Please see my prior complaint XXXX-XXXX. The company stated that they located the {$500.00} that their payment provider mistakenly debited from my account, that they have have submitted it to their clearance department and that they will process it ASAP and that I will see my funds shortly. That was over a month agoI still dont have my funds and the company has been unresponsive. This issue originated over 4 months ago.
Product: Credit card or prepaid card

As an XXXX XXXX XXXX XXXX XXXX I opened a XXXX 's Luxury Gold Card in XX/XX/XXXX as it offered a waived {$990.00} annual fee with 0 % APR for purchases, cash advances, and balance transfers month other annual gifts. The annual fee was advertised to be waived under the XXXX for the duration I was on XXXX XXXX which I remain. After about a year of having card, they notified all service members that they are changing policy where the {$990.00} annual fee will only be waived if you received the card prior to coming on XXXX XXXX. Now, service members are stuck with a card that they either have to close or pay an annual fee which was not what was originally agreed upon. Many feel this was a bait and switch. I'm very appreciative of the initial incentives and bonuses, but this does not sit well with me or many other service members. Barclays should have known better.
Product: Credit reporting or other personal consumer reports

I sent dispute a late payment on my credit report via Experian regarding the inaccuracies and errors. On XX/XX/year> Experian responded the information is accurate and was verified. It is obvious that claim is false, because the error is still on the updated report. If you check my attachment everything is not complete and accurate.

And according to 15 USC 1681 ( 1 ) 5, Experian is suppose to do ( 5 ) treatment of inaccurate or unverifiable information.

( A ) If after a reinvestigation under paragraph ( 1 ) if any information is disputed by a consumer, an item or the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency ( CRA ) shall
( 1 ) promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on the results of the reinvestigation, and ( 2 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law Experian is suppose to provide me a description of the investigation, according to 15 USC 1681 I ( 7 ).
Product: Credit reporting or other personal consumer reports

I recently disputed XXXX accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/ dispute was filled. I received a response stating that the accounts was verified and updated. I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number XXXX Hello I am Submitting this without any influence and this is not a third party. I mailed in some Disputes to Experian disputing the completeness and or accuracy of the accounts in question and on XX/XX/XXXX the sent me some reinvestigation results with violations that they have committed. There were a number of accounts that were simply updated without being marked as disputed. 

Now i do know whenever there are accounts that are disputed Experian as a consumer reporting agency is supposed to conduct a reasonable investigation- 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). they failed to do so which is a violation. 

Experian has an obligation to send all relevant information regarding a dispute to every furnisher in question upon a 5 day period upon receiving disputes. they failed and violated 15 U.S.C 1681i ( a ) ( 2 ) ( a ) Experian has failed to consider all relevant information concerning the dispute. 15 U.S.C 1681i ( a ) ( 4 ) The following furnishers have violated 15 U.S.C 16812-2 ( a ) ( 3 ) by failing to mark the accounts as disputed after completing the reinvestigation. They are not allowed to furnish information to any consumer reporting agency without notice that the information has been disputed by the consumer. 

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 I have attached the letter i sent Experian along with the reinvestigation results that they sent me. 

Report Number XXXX
Product: Money transfer, virtual currency, or money service

After XXXX finally had to put my money back in my account on XX/XX/10 and unfreeze it they said the only way to get it back was send it to Venmo and then to my bank... 

I sent it to Venmo and it said it will be held until the XXXX, so I waited 6 business days before contacting them, and they actually emailed me and texted me at XXXXXXXX XXXX. The email read " Congratulations your money is now available and we have successfully varied your identity! '' And the text message said that they had sent me a debit card. 
So I logged in as I wasn't asleep, I was thinking about money issues ironically, to transfer my money to chase or see if I could pay my XXXX and water/garbage bills through Venmo. 

I was able to set everything up to transfer, and then was stopped at last screenvwhich said my account is frozen and I can't access my money. {$1000.00}. 

I chatted in and got someone who introduced themselves and then didn't say anything for an hour until the chat disconnected. 

So I called, and sat on hold for another hour until the call hung up on me. 

This has been the theme of all day. The person I am on with now said " you've been dealing with this since XXXX XXXX?? '' At around XXXX in the afternoon. It is now XXXX and they have not said a word since. My money is still frozen and I have been trying to find out why, and why they sent me contradictory emails and text messages 14 hours ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus regarding reporting bankruptcies on my report. I have contacted BK  court and XXXX and was advised that they do not verify BK information. I have disputed this with all three reporting agencies and they have refused to remove these reporting 's on my report. They are reporting fraudulently as there is no verification for any BK information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 CAPITAL ONE agreed to remove a LATE PAYMENT from my credit report. It was removed in XX/XX/2020. They then REAPPLIED this back to my credit report after already agreeing to removing. This is the ONLY NEGATIVE item on my credit report. It seems illegal to agree to remove and item and then add the item back on when creditor agreed to remove.
Product: Credit reporting or other personal consumer reports

I found numerous inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA and Regulation V states that inaccurate or incomplete information must be investigated and fixed if found by the consumer. I have requested for validation of said accounts, yet have not received any evidence or seen any changes to rectify these errors. Under the FCRA, consumers have the right to request validation of debts and have inaccuracies promptly corrected. Hence my complaint here to address these violations and request a thorough investigation into the matter. Having such derogatory items on my credit report has been nothing but a burden for me, impacting my financial well-being and opportunities.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 XXXX, my XXXX my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported to be removed/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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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!
Product: Debt collection

XX/XX/XXXX I was hospitalized with XXXX I was in the hospital for some time. Once I got out the hospital I had contacted EasyPay Finance I asked to speak to a manager and I was transferred to XXXX XXXX I tried to explain to him that I was in the hospital and when I got out I had an alert from my credit bureaus I had a negative account I tried to explain to XXXX that I had set up my account for automatic payments, he replied with a negative comment about people want to complain when they don't pay their bills. I explained that their company had made an error and I ask that they clear. He said no it was in collections and it was not the companied fault and it had to be paid in full. I asked to speak to higher supervisor he said he was the only one. XXXX was extremely rude and did not care to hear what I was trying to explain to him. He said the only way they remove the negative remark was if I paid it in full then they would have the tradeline deleted. On XX/XX/XXXX, I paid the account in full and received a letter stated the negative reporting would be removed in 4 weeks. I have emailed them multiple times and they have not responded or removed the tradeline. My credit was damage due to the negligence and continues to be on my credit and it has been XXXX  months and XXXX  day the account was paid and the tradeline is still on my report
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account nameXXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXXedit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary XXXX to my life on top of hurting my credit score.
Product: Debt collection

XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., by failing to provide proof of its legal right to collect on the alleged debt. XXXX has no valid Assignment Agreement or Debt Sale Agreement from the XXXX XXXX XXXX, the original debt holder. Without this documentation, XXXX can not establish a valid chain of ownership or prove its right to collect. The FDCPA requires debt collectors to verify debts upon request and provide clear ownership documentation. XXXX improperly claims that because this demand was made in a lawsuit, they dont have to supply the documentation to validate the debt, shifting the burden of proof contrary to the FDCPA. XXXX XXXX failure to produce verification renders its collection attempts unlawful and sanctionable under FDCPA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t received any investigation results.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX DPT ED/XXXX Account # XXXX, DPT ED/XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT ED/XXXX Account # XXXX DPT EDXXXX 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose