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

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Experian 's Refusal to Remove Fraudulent Hard Inquiries To Whom It May Concern : I am writing to formally file a complaint against Experian for failing to remove fraudulent hard inquiries from my credit report, despite my repeated disputes and evidence of fraud. Both XXXX and XXXX have already removed these inquiries after verifying that they were not authorized by me. Experians refusal is causing undue harm to my credit and violates consumer protection laws.

Details of the Issue 1. Fraudulent Inquiries : I discovered several unauthorized hard inquiries on my credit report issued by Experian. These inquiries were the result of identity theft, and I have provided Experian with evidence to support this claim, including police reports and identity theft affidavits.

2. Disparity Among Credit Bureaus : Both XXXX and XXXX reviewed the same evidence and promptly removed the fraudulent inquiries. However, Experian has refused to do so, claiming that the inquiries are valid without providing sufficient proof of their legitimacy.

3. Impact on My Credit : These fraudulent hard inquiries have significantly lowered my credit score, affecting my ability to obtain credit and financial services.

Applicable Legal References Experians refusal to remove these inquiries violates the following provisions of federal law : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ) : This section requires credit reporting agencies to block information resulting from identity theft within four business days of receiving proof of identity theft.

2. FCRA, 15 U.S.C. 1681i : Credit reporting agencies are obligated to conduct a reasonable investigation of disputed items and must remove information that can not be verified.

3. FCRA, 15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with the FCRA may subject Experian to civil liability.

4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits the use of false or deceptive practices, including reporting incorrect credit information.

Requested Resolution I request that the CFPB investigate Experians handling of my disputes and take appropriate action to ensure compliance with federal laws. Specifically, I am asking for : 1. Immediate removal of all fraudulent hard inquiries from my Experian credit report.

2. A written explanation of why Experian failed to comply with its obligations under the FCRA, despite clear evidence of fraud.

3. Compensation for any damages caused by this issue, including legal costs if necessary.

I have attached all supporting documentation, including police reports, identity theft affidavits, prior correspondence with Experian, and proof of resolution by XXXX and XXXX. 
Thank you for your attention to this matter. I trust that the CFPB will take swift action to address Experians failure to protect consumers from fraudulent activity. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require additional information. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 42. financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the XXXX DATA BREACH. PLEASE REFER TO THE XXXX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

I just got my credit report and noticed some hard inquiries don't have permissible purpose according to 15 USC 168.1b. I also attach a copy of credit report, can you please investigate these hard inquiries below. 
Hard inquiries : XXXX ) XXXX  XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of XXXX XXXX XXXX ) XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 168 1b 3 ) XXXX  XX/XX/XXXX. 
Delete this hard inquiry because of violation of 15 usc 168 1b 4 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 1681b 5 ) XXXX XXXXXXXX XXXXDelete this hard inquiry because of violation of 15 usc168 1b 6 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 1681b 7 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc168 1b 8 ) XXXX XXXX this hard inquiry because of violation of 15 usc 1681b 9 ) XXXX XXXX XXXX.Delete this hard inquiry because of violation of 15 usc1681b 10 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX. delete this hard inquiry because of violation of 15 usc 1681b 12 ) XXXX XX/XX/XXXX delete this hard inquiry because of violation of 15 usc 1681b 13 ) XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc 1681b 14 ) XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because of violation of 15 usc168 15 ) XXXX XXXX XX/XX/XXXX. 
Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX  XXXX XXXX  and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Credit reporting or other personal consumer reports

Synchrony Bank XXXX XXXX XXXX was issued on XX/XX/year> for {$XXXX} ( see attached ) Bank XXXX debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at XXXX XXXX XXXX today XX/XX/19 and when they called me back to tell me if I passed the credit check I was told that I did not qualify to rent there because I had several inquiries and accounts in negative or below average standing. I had no idea about these accounts because none of them belong to me. I did not open any of these accounts/inquiries nor did I give anyone permission to open them in my name. I have already filed a police report regarding these suspicious accounts on my report. I did not benefit anything at all from these accounts nor did I take part in any purchases or payments towards any of the accounts. I have never had any type of relationship or contract with any of those companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVE MY CREDIT REPORT AND NOTICE A ITEM THAT I DIDN'T RECOGNIZED..IT WAS MERCHANT ADJUSTMENT SERVICE THAT IS TAKING MY INFORMATION AND SHARING IT WITH OTHERS.IT VIOLATES THE HIPPA LAW PLUS I REQUESTED THAT THEY VERIFY THE ACCOUNT IN QUESTION.I HAVE A COPY OF THE LETTER ATTACHED ASKING THEM SOME VALUABLE INFORMATION BECAUSE ITS CAUSING ME GRIEF DURING THIS TIME OF SUFFERING
Product: Checking or savings account

The bank has placed what is termed " an extraordinary hold '' on two checked deposited into my account on XX/XX/XXXX, such holds are spelled out and defined within the Expedited Funds Availability Act of XXXX ( EFAA ) enacted in by the United States Congress for the purpose of standardizing hold periods on deposits made to commercial banks and to regulate institutions ' use of deposit holds. The deposit total is approximately {$8000.00} and falls within the established hold rule of large deposits. Such deposits are to be held and funds incrementally released as follows : Large deposit : deposits greater than {$5000.00}. A release of {$200.00} on the first business day following deposit, a release of {$600.00} on the second business day following deposit, and a release of {$4800.00} on the third business day following deposit, with the complete remainder released on the seventh business day. 

I contacted my local Bank of America branch, made aware of this rule and gave them a copy of the EFAA and how their actions failed to follow the established EFAA rules and I was told the holds were placed on the items " by the system ( I am assuming meaning " their computer '' ) and no one had/has the ability to override the holds. 

I then made a call to the customer service line for assistance and was given the same answer mentioned above. I then made an appointment with a local branch manager who attempted to speak with the department managing the holds, and that manager was told, " the bank hold complied with the terms of the depositor agreement '', when I explained the agreement does not have the right to violated the law the telephone call was disconnected and a recorded message instructing us to call back again during XXXX Central Standard Time ( please note the time was XXXX PST when the call was disconnected. 

My complaint alleges that Bank of America is in XXXX Breach of the EFAA and the protections established within the the intent of law and rules governing the holds on deposits for depositors of the bank. Such disregard for compliance by the bank to follow fully the rules places at harm, the American public, and a possible greater risk of financial harm to the overall financial damage to the American economy. 

If depositors can not access their funds in a timely manner, it is reasonable to assert that those actions create a cascade effect for those persons and businesses awaiting payments to cover liabilities of the depositors. 

Your assistance and help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquirY in my report was inaccurate. I emailed it to credit bureau, requesting that investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inquiry listed below. XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report with transunion. this is my 2nd attempt. ive noticed to credit systems of all errors that needs to be deleted. this has caused a major effect in my credit report. please review an remove all listed items to clear my credit report asap.
Product: Checking or savings account

I have been having issues with capital one charging me fees for using atm listed on their app. They are charging me non network ATM fees even though the app clearly shows them in network. I have called them repeatedly about this frustrated about the time Ive wasted getting this cleared up Capital one has closed all of the ATMs in my area and there is only XXXX branch in XXXX. I got an email yesterday that says they are closing my accounts and I am not allowed to open XXXX in the future I have been a capital one user for XXXX years. I am upset that they blocked my going forward for their products. They are a huge bank and its unfortunate I cant use their products
Product: Debt collection

Started receiving several calls a day from several different telephones numbers leaving a call back number. In just a two day period I received a call from XXXX on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX. XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the number back at XXXX XXXX and spoke with XXXX XXXX, ( spelling? ) who is with Cordoza & Wexler Recovery Services. He said he represents XXXX. I said I was trying to return a call to XXXX XXXX XXXX who had left several disturbing messages about taking legal action against me. He said that they worked or contracted for him. XXXX said that he represented XXXX and that I had a credit card with XXXX and was trying to collect a balance due. I told him that I did not recall having a credit card with XXXX and would like to have a number or address with XXXX so I could get something in writing from XXXX. He said XXXX no longer had any information because they closed my account in XX/XX/XXXX and the last payment I made was in XX/XX/XXXX. I also received a phone call from XXXX in regards to XXXX that stated I had 2 accounts with XXXX and that it was now a " felony '' because the balance was over a {$1000.00} but they could drop one of the balances and could change the other to {$300.00}. They sent an email but I only had an hour to make a decision once it was received and opened to respond. I kept telling them I wanted a letter. XXXX said they didnt send letters because they could be altered. The managers name there is XXXX XXXX XXXX XXXX. XXXX knew XXXX. 
I received a letter from Cordoza & Wexler Dated XX/XX/XXXX stating current balance {$710.00} with a approved offer of amount dut {$520.00} with a due date of XX/XX/XXXX but I didn't receive the letter until XX/XX/XXXX. I have not made any further contact with either. I do believe there should be statute of limitations and I feel should be able to get a copy of the original contract with XXXX. But as stated above XXXX told me there was no longer any paper work since XXXX has closed the account.
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this titleXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Please Delete from my consumer report..
Product: Consumer Loan

I filed Chapter XXXX bankruptcy against the company but the company refuses to update the credit bureaus to show '' Included in Bankruptcy " after several attempts at completing disputes.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I'm complaining against Experian. They are an impossible company to communicate with when there is an issue. I've tried contacting them for two days ( 8.1 and 8.2 ) and there is only an automated phone service with very few options available that don't match my needs. Background : A few days ago I applied for a credit card and was stunned that I was not approved. I have a good credit score and have always been responsible with my credit. I also make good money. I started getting nervous because my information was part of the XXXX XXXX breach of 100,000 customers and I was part of the Experian breach recently, too. I'm worried that fraudulent activity had occurred with my information. I found out that a credit card I applied for used Experian as their agency to check my credit status and decide whether to give me a credit account or not. So, I went directly to the Experian website to sign up for {$1.00} credit report. I tried about 8 different times to create an account and buy my report. ( I'm terrified of identify theft! ). However, each time I filled out information, the system failed and screen popped up that said, " We are unable to verify your identity. '' Therefore, I couldn't access my report. How can this be? I entered my Social Security number, my address, my credit card info to buy the report, and they can't identify me? What more do they want? Then, I was really paranoid of ID theft. So, now, I can't speak to anyone about my current credit report from an agency that manages my credit report to see IF THERE'S FRAUD?!! This makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working toward cleaning up my credit. When I recently received a credit report I noticed that my previous mortgage was being reported incorrectly. I then started working with a credit repair company called XXXX XXXX. They disputed my Mortgage results from XXXX XXXX XXXX XXXX. XXXX and XXXX fixed both the Payment status and creditor remarks. Experian has not updated this information. I've disputed this information through experian twice already. Still nothing has changed. The first dispute response was report # XXXX for XX/XX/XXXX. The second dispute response was Report # XXXX for XX/XX/XXXX. 

Currently XXXX and XXXX report Current in payment status. In Creditor remarks XXXX   reports Foreclosure discontinued and XXXX  reports Account Paid after foreclosure started, In payment status Experian reports Foreclosure and in creditor remarks credit grantor reclaimed collateral to settle defaulted mortgage. This information is incorrect.
Product: Debt collection

LVNV Funding LLC is in violation of 15 USC 1692g validation of debt : they violated my consumer rights for failing to follow dispute procedures they reported and alleged debt on my consumer report without sending me written notification allowing me to dispute the alleged debt and for them to validate it. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, LVNV funding LLC willing fully and knowingly reported false and misleading information to my consumer report. They reported the information on my consumer report under fraud to extort money from me and defamed my character without validating the alleged debt. They assumed the debt was valid through hearsay according to the FCRA it says the information reporting must be 100 % accurate how would they know if it was 100 % accurate without doing an investigation, I don't know this company I have never done business with company I don't have a binding contract with both parties ' signature meaning myself and LVNV Funding LLC, with both having equal consideration to obligate me to pay LVNV Funding LLC. They are also in violation of 15 USC 6802 Obligation of with respect to disclosures of personal information. I never gave consent or written authorization for this company to have my personal information according to 15 USC subsection 1028a ( a ) ( 1 ) that is aggravated identity theft LVNV Funding LLC does not have consent or authorization from me to have my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY PURSE WAS STOLEN AND MY ID WAS STOLEN AS WELL. I AM STILL BEING VICTIMIZED BECUASE THESE ITEMS ARE BEING REPORTED ON MY CREDIT REPORT. I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE NOT BEEN REMOVED.