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

I have had this ongoing problem with the Experian Credit Reporting Agency for now approximately 10 months. I have filed 3 complaints with Consumer Financial Protection Bureau CFPB and still have not been able to get existing problem fixed. This is my last attempt at trying to get existing problem resolved before seeking judicial intervention requesting penalties and possible punitive damages. 

The Experian Credit Reporting Agency has been notified of personal inaccurate information on my credit report. I have made numerous attempts since XX/XX/XXXX in writing and telephone conversations of the disputed the personal inaccurate information with Experian. 

Experian is continuing to report my name inaccurately on my credit report with their reporting agency. My name is XXXX XXXX XXXXXXXX, Date of birth XX/XX/XXXX, and Social Security No. : XXXX. I have provided a copy of my California Driver 's License ; copy Social Security Card ; copies of billing statements from all my creditors which all reflect my name as XXXX XXXXXXXX XXXX. 

Experian is reporting all my personal information and referencing all my creditors and FICO score with the name XXXX XXXX XXXX which is not my name and again I have informed and disputed this matter numerous times. Each time I am informed by a representative from Experian that they understand what the problem is and that it will be fixed within 7-10 business days there matter is never resolved. I have also been to told by Experian representative that my name is being reported as XXXX XXXX XXXX from my creditors and that I need to contact my creditors to have the matter resolved. I have spoken to each and every creditor over 3 times and they have insure me that they are reporting accurately and that the name that they have on there records is XXXX XXXX XXXX. I am told by each creditor that this is a Experian problem. I have no other issues with the other credit reporting agencies XXXX and XXXX XXXX only Experian. 

Experian with my correct name XXXX XXXXXXXX XXXX and personal information only reports that I have only one creditor XXXX which I got in XX/XX/XXXX and its indicates I have no FICO score which is totally inaccurate. With getting loans and creditors when they pull my name and information its not listing all my creditors length of time with creditors, payment history its is incorrect reporting which is affecting me. 

Again I have been told different things by Experian representatives that by credit report is blending which I have no idea how that is done and I have also been told because I only have the initial XXXX  as my first name that the Experian system can not recognize or accept only an initial so it blends. However if that is my accurate personal information and name how is this okay for a system to just report inaccurate information which is hurting me. 

I have enclosed copies of Experian credit reports which show inaccurate information and incorrect reporting. Please I would like to have this matter resolved or a detailed explanation as to how to resolve this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

After recent review of my Credit Reports I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge og : 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

The accounts states that I opened the account in XXXX of XXXX. Which is not correct and fictitious
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, I applied to the rate reduction program that Navient runs, where your interest rate is reduced. We scheduled payment transactions to be taken out of my account automatically every month. for the first 9 months I would pay around {$600.00} and for the final months I would pay closer to {$1200.00}. I was told that I was approved, but there was a clerical error and my account was never approved. I did not catch this mistake until XX/XX/XXXX. I had called them and filed a dispute. After talking with a manager, they realized that they had never pushed through my account to be approved even though the approval was in my account notes and log. They had been taking out the automatic payments even though they did not approve this account. After talking with the manager about this issue and they investigated it, I was approved for the program and was told that they would not report negatively to the credit bureau because it was a mistake on their part. I thought they followed through with this promise. However, checking my credit report today, they have reported negatively against me posting that I am 60 days past due. It has brought my credit score down from over 650 down to XXXX. I have been paying on time per the rate reduction contract. In the agreement, I was told that this would not impact my credit score. I plan on addressing this issue again this week with Navient. They need to be held accountable for their agreements that they make. It is not ethical to tell a client that they will not negatively report you, but then turn around a negatively report you. I have already filed a dispute with the credit bureauXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is present on my credit report, as provided by your bureau. I am bringing this to your attention in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to dispute any information they believe to be incorrect or incomplete on their credit reports. 

The inaccurate information on my credit report is as follows : 1. Name : The name on my credit report is incorrect. My correct name is XXXX XXXX. 

XXXX. Date of Birth : My correct date of birth is XX/XX/1990 ( XX/XX/1990 ). 

XXXX. Address : The address listed on my credit report is incorrect. My current and accurate address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX. Phone Number : The phone number listed on my credit report is incorrect. My correct phone number is XXXX. 

XXXX. Social Security Number : The Social Security Number ( SSN ) provided on my credit report, XXXX, is inaccurate. My correct SSN is [ Your Correct SSN ]. I have omitted my actual SSN for security reasons. 

I have attached copies of documents such as my driver 's license, utility bills, and other proofs of identity and residence to support the correction of this inaccurate information. I kindly request that you conduct a thorough investigation into these discrepancies as per FCRA guidelines. 

Under the FCRA, you are required to investigate this dispute within 30 days of receiving this letter and, if necessary, provide me with a written summary of your findings. If you find that the information is indeed inaccurate, you must promptly update my credit report with the correct information and provide me with a copy of the updated credit report. 

Additionally, I am requesting that you notify all creditors and entities that have accessed my credit report within the last six months of this dispute and the resulting corrections.

Failure to comply with the FCRA requirements may result in legal action against your bureau. I trust that you will take this matter seriously and expedite the correction process to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY INFORMATION THESE ACCOUNTS ARE NOT MY ACCOUNTS THEY NEED TO BE REMOVE
Product: Credit reporting or other personal consumer reports

Recently | looked at a copy of my credit report and I noticed several inaccuracies on my account : This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX is also reporting no payments reported for XXXX XXXX However, the report is also showing a last payment date of XX/XX/year>. 
The balances across all the agencies are different.
Product: Credit reporting or other personal consumer reports

I requested again the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX Dear To Whom It May Concern, I send out dispute letters to XXXX, XXXX, and Experian twice to address the accuracy of the credit report. And they keep stating everything is accurate, but its not. I also attached where it is not accurate. 
I am writing to report an issue with my credit report, which I believe is inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to an accurate credit report. However, the information provided in my report is not correct.

I request an investigation and correction of the inaccuracies as soon as possible. 

Thank you for your attention to this matter. 

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

ASSOCIATED BANK/ELAN FINANCIAL SERVICES CREDIT CARD. 

ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH A DELIQUENCY STATUS ACCOUNT ENDING IN XXXX A LATE PAYMENT WAS REPORTED XX/XX/21 WITH DELIQUENCY STATUS. 

I HAVE TRIED ON NUMEROUS OCCASIONS TO UPDATE THE CONTACT INFORMATION ON MY CREDIT CARDS. DUE TO IDENTITY THEFT THEY WERE NOT HELPING. I WAS NOT NOTIFIED AT ALL IN ANY TIMELY MANNER BY EMAIL/PHONE/USMAIL THAT A LATE PAYMENT WAS IN EFFECT/GOING TO HAPPEN. THERE WAS NO CONTACT WITH ME AT ALL BECAUSE THE BANK WILL NOT UPDATE MY CONTACT INFORMATION AT ALL! THIS IS A VIOLATION!!!
Product: Payday loan, title loan, or personal loan

Refusal to adjust how this account is being reported to credit bureaus. This account has never been 4 months late. Plus refusal to provide copy of original contract so that I can see if my right to defer payments was violated.
Product: Payday loan, title loan, or personal loan

on XX/XX/2018 I was approved for a loan in the amount of {$700.00} every other week {$210.00} came out on XX/XX/18 of our bank account, then XX/XX/18 another {$210.00} came out, XX/XX/18 {$210.00} came out, then XX/XX/18 {$210.00} came out again so that totals {$840.00} on a {$700.00} loan and it says we still have XXXX left, i am the only one working in our household we have XXXX children and we have lost 1 vehicle already & behind on our rent now 1 month thought this would help us a bit but just made it worse for us and these HIGH interest rates are killing me, We can't get help anywhere else we have maxed out our resources and credit isn't good my loan ref # XXXX, we have already suffered with automatic w/d from our account for first day loans resulted in an overdraft on our account PLEASE help!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app, ( block , inc ) due to inadequite customer services and unfair practices which violates the 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. Futhermore there dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under EFTA and Regulation E. These actions have cost significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

I was called by XXXX XXXX of XXXX XXXX XXXX in XXXX, he was calling to collect a payday loan from 2011. He was rude and threatening. he said if I did n't pay right away " he was going to haul me in front of a Judge for Defrauding cashcall ''. He also has called both of my sons ( not sure how he got their numbers ) and giving them a hard time about wanting to serve papers to them on me. He also called me at work saying the same thing and saying he did n't want to embarrass me at work but would if I did n't pay immediately. He stopped calling for a week them started the same thing all over. The number he gave me via voice mail to call is XXXX. This was a {$500.00} loan and now he is trying to collect over {$5000.00}. Shortly after I took this loan I became ill with XXXX and have been fighting that the last few years. I am not a criminal as he is saying to me and my sons.
Product: Credit reporting or other personal consumer reports

I contacted the consumer reporting agencies about an address that was showing under my personal information. The address was supposed to be removed. 

XXXX XXXX XXXX XXXX TN XXXX does not belong to me, and that address should not be on my consumer report. It's inaccurate.
Product: Credit reporting or other personal consumer reports

I have been disputing fraudulent accounts from identity theft. I filed all the correct paperwork according to the FCRA. My disputes are not being filed correctly and the paperwork is not being attached to the disputes. And I am not getting the copies of the verification process that I am requesting.
Product: Payday loan, title loan, or personal loan

Pnc apparently stopped me from using this resource. Its not your call. Allow XXXX. Some of us arent making the same after covid and you XXXX  blocked this. Pnc needs to stop. Youre not helping small consumers
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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was ordering a TV and was presented with a special offer for a Best Buy Visa through Citi. I proceeded with the application and was approved and completed the order. Shortly after I received notice that the new card was declined. I called Best Buy and they referred me to Citi. I called Citi and they asked for my phone number, which I provided. I was then transferred to the fraud department. The agent told me that my phone number didnt match their records so they couldnt open the account. I explained that Ive had this phone number for 8 years and have not had the other number since that time. She said she would do a public record search and came back and told me she couldnt find the number. I asked if we could verify my identity using other personal details and I was told no - they can only verify using my phone number on public records. 

First Im very concerned that Citi is claiming to only be able to verify my identify by using a phone number, which can easily change, offering no alternative for verification. 

Second Im concerned that they are using a public number that anyone with a phone book or XXXX can find. Its not secure. 

Third, this practice is deceptive in that, because of Citis negligence and poor business practices, I have missed out on the promotional pricing of the item I wanted and also missed out on the promotional finance terms offered when the card was approved and the purchase was completed.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX XXXX : XXXX XXXXXXXX XXXX XXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer reports to privacy and confidentiality under 15 USC 1681. 

XXXX # 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.

18 U.S.C. 894- ( b ) ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

Experian claimed this is accurate for many months especially I circled in the attached file. How it can be accuracy when I knew it is not accurate so obviously they take creditor 's words over me like my life being in control in the wrong hands.
Product: Debt collection

Open XX/XX/2020 ( 2mos ) Account Status - Open Type - Collection Account Responsibility - Individual Remarks - Placed for collection Original Creditor Name - XXXX XXXX XXXX   Closed - No Infromation Balance - XXXX Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX This Contract was cancelled
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. Experian must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Balance : {$250.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, Ink ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on there 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

STILL LYING ABOUT STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING THEY RESOLVED NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent certified mail asking for the company to remove the fraud alert