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

I applied for credit and was denied due to a bankruptcy illegally reported on Experian ONLY, no other credit bureau has a bankruptcy on my credit profile. 

I contacted the US Bankruptcy XXXX XXXX XXXX XXXX XXXX and requested the accurate information that his office reported to the credit bureaus and the secretary stated they do not report to credit bureaus.

Experian again has reported illegal inaccurate information on my credit profile and Im demanding it be removed immediately according to the FCRA, this is an illegal act from Experian. Im filing a complaint with the Attorney Generals office in Arkansas and the FCRA of this illegal reporting on behalf of Experian.
Product: Credit reporting

equifax refuses to remove account numbers XXXX,XXXX,XXXX,XXXX,XXXX from adverse accounts section of my credit report. these accounts are in defferment/forberrance and are seven to ten years old. verbally a exufax customer service represenative stated that the servicer of these accounts reported a missing payment. upon reviewing my equifax report. report confirmation number XXXX all of the above accounts have payed as agreed in the remarks section. Equifax website will not allow me to dispute these accounts indicating my session has timed out after numerious attempts. account # XXXX has been placed in the in collections area of the report. this account was included in bankruptcy that equifax has discharge correspondance and was not on the previos report.
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX/XXXX/XXXX for {$1500.00} worth of bitcoins. XXXX XXXX XXXX. 
The estimated arrival day that was provided was on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX and I have yet to receive any of the bitcoins I purchased even though the bank transfer was completed. 
I called the company and was on hold for more than 2hr before getting to speak to a representative. In the middle of our conversation the call was drop and I was unable to receive any assistance. I later received on email from the company support, where I provided all the information for them to correct the issue, but as of now nothing has changed. 
All in all it 's been almost a month and I have yet to receive my bitcoins.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information listed on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses civil liability for negligent non-compliance. I have reviewed my credit report and found discrepancies that appear to be in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I was a victim of ID theft and noticed several credit card accounts on my credit, I did not apply for nor authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union and XXXX credit reporting will not remove accounts over 7yrs old. The account was included in my bankruptcy and the account is well over 7 yrs old. I have disputed with both credit companies but they say the information is accurate. This is not true cause anything over 7yrs old is supposed to drop off your credit.
Product: Credit reporting or other personal consumer reports

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items ( list the specific accounts or items you are disputing ).

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX tied XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable investigation into disputed negative items on my credit report, including inaccurate information regarding bankruptcy. Additionally, I have not received any response from Experian following the dispute letter I mailed to them. 
On XX/XX/year>, I mailed a dispute letter to Experian via certified mail, requesting an investigation into inaccurate negative items on my credit report. I specifically asked for the following information regarding how Experian verified the accuracy of the disputed items : The Date Experian Contacted the Creditor : I requested the specific date on which Experian initiated contact with the creditor and the furnisher of the bankruptcy. 
XXXX XXXX for the Creditor : I asked Experian to provide the complete contact information for the creditor, including their business name, address, and any available phone numbers. 
Name of the Person Who Verified the Item : I requested the full name of the individual at the creditors end who verified the accuracy of the disputed information. 
Method of Communication Used to XXXX XXXX : I requested details on how Experian communicated with the creditor ( e.g., phone, email, mail ) to verify the accuracy of the disputed items. 
Confirmation on Whether the Creditor Provided XXXX, Address, and Date of Birth : I asked whether the creditor provided any sensitive personal information such as my Social Security Number, address, or date of birth to verify the disputed items. 
Despite providing all necessary documents to verify my identity ( including my government-issued ID, Social Security XXXX XXXX and proof of address ), I have not received any response from Experian. Under the FCRA, credit reporting agencies are legally required to investigate and respond to consumer disputes within a reasonable time frame, typically within XXXX days. Experian 's failure to provide any response and conduct a reasonable investigation into my dispute is a clear violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$5500.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Debt collection

On XX/XX/2023, consumer contacted PRINCE PARKER AND ASSOCIATES regarding an account that was placed on my consumer report. This is the initial communication I have had with this debt collector. I have never provided my private information or written consent to them to furnish information on my consumer report. On XX/XX/XXXX, around XXXX consumer called PRINCE PARKER and XXXX, who later said her name was XXXX XXXX disconnected my call when I informed I couldn't hear and each call after that was made was disconnected by the company. The furnishing of this account on my consumer report is ruining my reputation with potential creditors, it is causing me mental and emotional stress and its defaming my character.
Product: Checking or savings account

its over 2 weeks i deposit check to my Chase business checking account, check over {$23000.00} the put hold on the money, the did call the insure the check on 3 way call verified the check was clear end still the money end freezer my account, i went to bank many times try to resolve, i call XXXX -i call XXXX is well for over 2 hours on line, the still not resolve. not just to mention i have auto loan with chase, all my bills is get reject buy Chase bank, im about to lose my home because my rent is late
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a derogatory account reporting on my credit for a credit card that was XXXX in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged twice on my credit card as well as my mother for a rental car. My payment with my card was denied which position my mother to complete payment with her card. Later I receive a notice on my credit card for the same price my mother card was charged. Which implicated the payment was processed twice. For years Ive been trying to get issue resolved no one has been a help. Im not able to apply for student loans or personal loans which Im in need due to covid 19
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  Child Support Office is reporting {$27000.00} to my credit report as delinquent ; however, I, nor the custodial parent are residents of the State of XXXX any longer. We both moved to XXXX  and completed our case with OAG Child Support Enforcement, which is also reporting to my credit report for {$22000.00}. As you can imagine, this is negatively affecting my scores to have almost $ XXXX reporting to my credit. 

I began inquiring about the reported XXXX Child Support ' deliquency back in XXXX of this year and was advised to contact them directly. I have made several attempts to contact them every month with the most recent communication being a phone call with XXXX XXXX at approximately XXXX on the morning of XX/XX/XXXX. She stated no one contacted them from XXXX  updating them concerning the new case filing to clear them to remove it. I contacted my case worker here in XXXX  requesting they provide the necessary info to clear this from my report, yet, to date, this issue is still ongoing.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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.

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Date Opened : XXXX/XXXX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XX/XX/XXXXXX/XX/XXXX 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: Mortgage

I have been in communication with Freedom Mortgage who is my current mortgage company to refinance since XXXX. I have been giving them the documents they ask for on a timely manner. When I provide them my financial documents that they ask for they keep on coming back asking for the same documents. I keep giving them documents and they keep asking for the same documents. For instance they ask me for my profit and loss statement and ask why lab fees are not listed like they are on my taxes. I explained to them that there is not spot for lab fees on a profit and loss statement. So I provided them an expense report and told them the name of the lab company so they can see the lab fees on my bank statement and expense report. I am on my 3rd profit and loss statement because they other ones are too old now. They always come back and ask about the lab fees which I have explained numerous times. Does it usually take 9 months for a refinance. I would maybe understand if I was asking for money with my refinance but I'm just lowering my rate.
Product: Checking or savings account

On XX/XX/year> and XX/XX/year>, a perpetrator used a counterfeit of my Wells Fargo debit card to spend {$2200.00}. I canceled that debit card and changed my checking account. Again on XX/XX/year> through XX/XX/year>, a perpetrator used a counterfeit of my new debit card to spend {$2100.00}. Patterns suggest it was the same perpetrator both times : both times, they withdrew {$1000.00} from an ATM, spent hundreds of dollars at XXXX, purchased gas, and ate at XXXX. The second time they also wrote a check for {$250.00} to " XXXX XXXX '', showing they had stolen my checks. All of this happened in XXXX, XXXX, where I permanently live, but at the time I was spending the summer in XXXX. 

I filed fraud claims with Wells Fargo for each instance ; they only covered the {$250.00} check. I am left on the hook for more than {$4000.00} in fraudulent spending. I have since filed a police report with the XXXX Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ongoing Issues due to identity theft. Please see attached FTC Report attached!
Product: Vehicle loan or lease

I am sending this response to the the lender. I would like to use code HJR-192 this code validates the account Consumer Law code.

I am dealing with a lot of identity theft and inconsistent resources that are misleading and useful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. XXXX reporting a charge off account for amount {$17000.00}. LVNV Funding LLC is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
Product: Credit card or prepaid card

I have made repeated attempts with Macys Credit Card Services at having the balance removed from my account as all the purchase were made by a third-party. Macys Credit Card Services repeatedly told me that the balances would be removed and transferred over to the third party but to this day it has not. Numerous telephone calls were made with Macys Credit Card services, the third party and myself to rectify the matter to no avail. Third party acknowledged repeatedly that all charges were his and to remove them from my account and add to his. Macys Credit Card services stated that I had over paid my account by {$1600.00}.
Product: Checking or savings account

Cadence Bank started having an outage on Wednesday XX/XX/year> and it is now Saturday XX/XX/year>. I was told my three different consumer bankers that my direct deposit would be fixed first Friday XX/XX/XXXX mid morning and then XX/XX/XXXX by the afternoon. Today when I checked to see if my direct deposit was applied to my account it still wasnt and so I called XXXX ( XXXX ) XXXX which is the consumer hotline and was on hold for 23 minutes only to be told it would be fixed by XXXX  today. I need my paycheck! They keep telling us itll be fixed and to be patient but we as consumers have bills and patience does not pay my bills. We cant be fronted the money by the bank and let them wait to be paid back??? And what about the Expedited Funds Availability Act??? Something needs to be done!!!
Product: Checking or savings account

After having been charged for services for which I enrolled in with an online legal form provider, and the site not properly functioning, I disenrolled services but was still charged for membership fees for multiple months. After contacting the company, they issued an email and stated services were canceled and that a refund had been issued. I however have not received any refund. After several months of attempting to resolve the issue, I was forced to dispute the transactions with USAA and submitted to the XXXX the email received and the full contact information for the company of the dispute. USAA denied my dispute, while having been fully provided all requested documentation, and thus charged me over {$500.00} in NSF fees as a result of those transactions. This institution has become awful to contact, rude, and will do anything possible to cause more financial burden on their members. They have scammed me out of insurance premium paid, and they canceled the policy, while refusing to provide a refund of premium, dividends, and did not respond to my claims for storm damage and theft that occurred while the property was under coverage of the policy. They have also prevented me from obtaining further coverage, but accepted payment for policy for the year and canceling the insurance without notice. They should be ashamed. Since changing administration, they have taken advantage of military XXXX, veterans, and their families by all means available to them. It is my wish that this institution be required to provide full refunds to its members, and be forced to cease operation as they have continued to violate federally mandated procedures and having been access fines previously for the violations. I have attempted to resolve the matter through arbitration as stated to do so under the account holder terms and conditions, but the institution responded that I would be required to change venues to a court instead. Any attempt to do so has been responded with inconsistent information being provided by USAA and I will be forced to initiate a claim through Texas courts while being a resident of XXXX which will cause major financial burden. It is my belief that USAA is abusing this power to avoid accountability for their actions. Please HELP!
Product: Debt collection

I got a letter that on XX/XX/XXXX, the company I hired ( XXXX XXXX XXXX  ) was able to negociate a settlement with an account that was delinquent ( XXXX XXXX/XXXX  account in a 9 payments of {$100.00}, which came to its completion on XX/XX/XXXX. 
But these people Midland Credit management, wants to continue to collect and retain the bad remark on my credit reports all across, I tried calling them, but they claimed they can only talk to the people that represent me ( XXXX XXXX XXXX ) and I said they no longer work for me, I sent Midland a letter in writing my dislodging with XXXX a month and a half ago, but they still avoid me, I just want them to recognize the account was paid in full for the settlement and remove those bad remarks from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.
Product: Credit reporting or other personal consumer reports

I Decidedly to get a secure credit card to build credit instead of paying a credit builder enterprise. I didnt know that if choose to fix my own credit that it would be a negative impact on my credit report. I dont owe you all any money