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

I am writing to file a complaint against Experian and XXXX for not responding to my dispute letter regarding inaccuracies on my credit report. Despite sending a dispute letter to Experian, I have not received any response or resolution from them. 

I sent a dispute letter to Experian and XXXX XX/XX/2022 requesting an investigation into certain inaccuracies on my credit report. The letter included all the necessary details and documentation to support my dispute. However, I have not received any acknowledgement or response from Experian. 

I have tried to follow up with Experian multiple times, but have not been able to get through to a representative. This lack of response and resolution from Experian is causing me great frustration and concern, as these inaccuracies are affecting my ability to access credit and financial services. 

I am requesting your assistance in resolving this matter and ensuring that Experian and XXXX are held accountable for their lack of response. I would appreciate any support you can provide in helping me resolve this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Didn't have my health insurance during the time I have it now I owe XXXX
Product: Checking or savings account

This is the second complaint against Chexsystems because they refuse to respond or answer my complaint. I have been turned down for bank accounts and I DO NOT KNOW WHY. When I pull their consumer report, it says " no information found ''. When I made SEVERAL calls to Chexsystems, not only did I have to deal with people overseas who barely speak XXXX, but they also said they can not tell me WHO is reporting me. If this is YOUR REPORT FROM YOUR COMPANY, YOU SHOULD BE ABLE TO TELL ME WHO IS REPORTING THE INFORMATION. 

Do not tell me that you have NO INFORMATION AGAINST ME if you are the agency that reports the information from banks and credit unions. You have a responsibility to FIND the information that you are reporting AGAINST ME. I am going to give Chexsystems 30 days to rectify this-either by removing my name from their system and the derogatory information or providing me with the company who is reporting the information. If not, I will be seeking legal representation against Chexsystems. They have 30 days FROM TODAY XX/XX/24 to furnish me the requested information. I have provided a copy of this letter to my attorney. We will sue if this isn't fixed within this time frame. I am reaching out to the CFPB as well and filing a complaint to them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX and Transunion that I was a victim of identity theft. XXXX and Transunion are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. XXXX and Transunion have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account reporting as XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, Union Home Mortgage sent a letter to me stating that the amount I pay into my escrow would increase by {$610.00} per month after they did an escrow analysis. For my XXXX taxes ( payable in XXXX ) my total property tax bill for the year was {$5700.00}, which was paid in the second installment of property taxes. Because I received a new PIN from my county, I did not have a first installment bill for my XXXX taxes. Therefore, {$0.00} was paid in the first installment. For my first installment of XXXX property taxes ( payable in XXXX ), my bill was {$3100.00}. Union Home Mortgage paid that bill, then stated they were raising my escrow account because they had to pay {$8800.00} in the past year. However, the {$8800.00} includes one and one-half years of my property tax bills ( total XXXX {$5700.00} and partial XXXX {$3100.00} ), not one year. 

So for my XXXX taxes ( payable in XXXX ), my total annual tax bill was {$5700.00}. 

Union Home Mortgage is estimating that my second installment for XXXX taxes ( payable in XXXX ) will be {$5700.00} ( coincidentally the same amount as my total XXXX tax bill ). With my first installment of {$3100.00}, that indicates that they estimate my total annual property taxes will be {$8800.00} -- a 55 % increase from the previous year, even though I did not receive a property tax assessment increase nor a tax rate increase yet. 

When I tried to explain the situation to them, they either did not respond to my emails, told me I had to wait until the second installment of my property tax bill was released ( which could take months of overpaying into my account ), or told me I was wrong.
Product: Credit card or prepaid card

On XX/XX/2023, I the consumer and natural person was denied credit by American Express when I applied for the Business Credit Card. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1619c and is pursuant to civil liability under 15 USC 1692k. You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I recieved. American Express is in violation of 15 US Code 1642, USC 1681m, and 12 CFR 1002 because I the consumer did an application in good faith, yet credit was not issued. Furthermore, because my credit card ( SSN ) was used and I received NO benefit, this is proof of fraudulent activity ( unauhtorized use of credit card ) on behalf of American Express.
Product: Credit card or prepaid card

I disputed a charge on XXXX by mail. The company never responded
Product: Credit reporting or other personal consumer reports

Innovis In my credit reports and when did they become a Legal 3 Reporting Credit Bureaus. 

Also I opt out with all 3 Credit Bureaus show how all sudden Innovis popping up legally as 3 credit Bureaus It seems as a scam by law I never agreed or sign rights of obtaing credit or sharing or gathering such information. 

I also notice they only have half information on the credit report and its collecting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no credit or theyre not showing anything for my name. Ive sent Equafax and XXXX copies of my SS card Drivers License and my Medicare ID card.

They got it and scanned it on their machines. At that point they said it was blury. It was very plain on the paper. So they wont put me in the credit bureau. Im trying to buy a house. 
My grandma put me on her XXXX account so I could get credit established. I dont know what to do.
Product: Checking or savings account

Cash app has permitted money to be paid online for things that I have attempted to. Dispute and even requested new cards and did not receive the refund
Product: Vehicle loan or lease

XXXX XXXX is reporting on my credit report twice with two different prices as if I have two vehicles and I only had one car with XXXX. Can you please remove them from my credit file so that my credit can be accurate and my score will increase please. I appreciate you guys dearly. XXXX of the prices is showing {$11000.00} and some odd change and the other is showing {$12000.00} and some odd change on them.
Product: Credit reporting or other personal consumer reports

recently discovered multiple entries from debt collectors on my credit report. I have no knowledge or involvement with these debt collectors, nor have I ever signed any agreements or incurred any debts with them. These entries include over 15 debt collectors, all of whom have listed incorrect or fraudulent information. I was not informed of any of these debts, and my personal information, including what seems to be my home address and other private details, was used without my consent. I was not aware of these entries until I checked my credit report. I immediately attempted to reach out to the credit reporting agency to rectify the situation, but I have not received a resolution or any satisfactory response.

Additionally, I am requesting compensation for the damages caused to my credit score and the distress caused by these unauthorized actions. These violations have led to a significant amount of stress, as I was unaware of any of these debts and never consented to their reporting. My personal and private information was leaked, and I believe that this is a violation of both state and federal laws. I expect a prompt resolution and appropriate compensation for these violations.
Product: Money transfer, virtual currency, or money service

Cash app has not took responsibility for their actions or gave me a explanation of why they close my account. I have tried multiple times to talk to them reasonable and to get a solution on this, but they will not give me any feedback in the background on the information even though its the information that I am calling about and I let them know. Im calling about my information no one else and they still will tell me. Oh, I cant give you that information With giving them the information that it is me to verify that it is me in a steel did not want to give me any other information but to close my account and say that I violated some terms and conditions and they will not never tell me what terms and conditions that were violated so thats how I know they were full of mess and I just Like over it at this point
Product: Debt collection

As per Section 607 of the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate, complete, and verifiable. I believe that the information regarding this collection account number XXXX is inaccurate and incomplete for the following reason. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Equifax, I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : Name of Account and Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you verify the accuracy and completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. In accordance with 15 U.S.C. 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S.C.

1681e ( b ), I request that you ensure that all procedures followed to include this information were reasonable and guaranteed maximum accuracy. 
To reinforce my request, I cite the case XXXX XXXX XXXX XXXX ( XXXX ), in which the court held that credit bureaus have a duty to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information in their credit report. This precedent establishes that the bureau can not merely rely on the verification provided by the information source but must take additional steps to ensure that the information is accurate. 
It is crucial that this matter be resolved promptly, as inaccurate information on my credit report can have detrimental effects on my financial situation and my ability to access credit fairly. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete the reinvestigation of the disputed information within 30 days of receiving this request. I also request a copy of all documentation used in the reinvestigation and any additional information related to the process. 
Thank you for your attention to this matter, and I look forward to receiving a positive response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Debt collection

Date open Dec 27, 2023 Subject : Dispute of Information Under 15 USC 1681 Dear consumer financial protection bureau, I am writing to formally dispute the information included in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. Upon reviewing my credit report, I noticed inaccuracies regarding the furnishing and obtaining of my personal information.

I want to emphasize that I have never provided written consent for any party to furnish or obtain my personal information. According to 15 USC 1681, consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The lack of my consent raises serious concerns regarding the accuracy and legality of the information reported.

I kindly request that you investigate this matter and provide me with the results of your investigation. Additionally, please ensure that any inaccurate information is corrected or removed from my credit report in accordance with the FCRA guidelines.

To assist with your investigation, I have enclosed copies of relevant documents that support my claim. Please confirm receipt of this letter and inform me of the steps you will take to resolve this issue.

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is XXXX industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Account #, date last active, Payment History, Past Due, Payment Status Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law. 

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit shows 3 hard inquiries that I did not authorize.
Product: Debt collection

Contacted by Keith D Wiener & Assoc via mail on XX/XX/2018. I researched them and determined I do not owe this agency any money. A verification of debt was sent certified mail via usps on XX/XX/18, to date it is pending pick up ( tracking # XXXX ). On XX/XX/18 @ XXXX XXXX  I received a phone call from someone claiming to be from the county court as a process server from XXXX saying that they are trying to serve me papers to an address of XXXX XXXX XXXX ( not my address ). When asked who it was from and who they represented I was told that he can't release that information and I need to be home to be served. He then told me that if I don't get the papers it will be a failed attempt and it could result in further action against me. At that moment I felt I needed to end the call. After doing some digging I found a judgment online in my name from this agency. 

I reached out to Keith D Wiener & Assoc to find out what was going on and spoke with a XXXX XXXX. After trying to set up arrangements he told me that what I wanted to pay was not enough and I would need to send in pay stubs and they will determine the payment amount. I explained that if it was more that I stated then I wouldn't be able to pay. XXXX explained that they would not accept {$50.00} a month payments that they would just " file a judgment '' and garnish my wages. I explained that I want to pay the original of {$1200.00} amount and not the inflated amount of {$1600.00} which included their fees, again I was denied. 

I then asked for my login information to view my case on their website and was denied that information. At that point I wanted to speak with a supervisor. I called back and was transferred to XXXX XXXX the supervisor, I left a voice message and have not received a response. 

I did some research of my own and found that I have a court appearance in XXXX for this matter that I tried to resolve.
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 : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

On XXXX XXXX, 2016, I received a call from Zenco Collects at XXXX. He stated that I owed money and he was calling to collect. I told him that I was working in the field and I would call him back. He said no, I was n't taking him seriously, He said that he had our vehicle licenses and if I did not pay he would be issuing a warrant for our arrest. I stated that I needed to call my wife, he started yelling and said no, I had to pay up now or he would be garnishing my wages, and he would also be contacting the IRS and have my income tax return for the next 5 years. They said that they would be seizing our vehicles and other property. I panicked and at first agreed to pay, when I talked with my wife she stated that what they did was illegal and that number is associated to a scam. I called back and told XXXX XXXX not to take any money out of my account. I have no idea if that if this a valid debt or not, but this well exceeds the statue of limitations in the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies : XXXX, Experian, and XXXX Dates : XXXX 2017 Following the XXXX data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX XX/XX/year> -- {$250.00} XXXX XXXX # XXXX XX/XX/year> -- {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the date below : SALLIE MAE XX/XX/2019 XXXX