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

UPDATE TO COMPLAINT# XXXX

EXPERIAN  CONTINUES TO REPORT ADVERSE AND TRANSACTIONAL INFORMATION AGAINST 15 USC 1681a2(ii), CONTINUES TO REPORT CHARGED OFF ACCOUN INFORMATION AGAINST 15 USC 1681c(4)(5), CONTINUES TO NOT MAINTAIN A PROCEDURE TO ENSURE MAXIMUM ACCURACY AND COMPLIANCE AGAINST 15 USC 1681e(b), CONTINUES TO VIOLATE METRO2 COMPLAINCE PROCEDURES AND CONTINUES TO REPORT CHARGED OFF ACCOUNTS AS INCOME ON A CONSUMER REPORT AS STATED BY THE INTERNAL REVENUE SERVICE TOPIC 431.  EXPERIAN IS NOT IN COMPLAINCE WITH METRO 2 AND IS NOT EXERCISING THEIR GRAVE DUTIES UNDER THE FCRA WILLFULLY. EXPERIAN HAS BEEN MADE AWARE OF INACCURATE INFORMATION BEING FURNISHED ON MY REPUTATION DUE TO BEING INFORMATION CONGRESS DEMANDS BE EXCLUDED FROM A CONSUMER REPORT AND YET IS STILL BEING INCLUDED IN MY CONSUMER REPORT. EXPERIAN IS ACTING ON ITS OWN ACCORD WITH DISREGARD TO CONGRESSIONAL FINDINGS AND LAWS. EXPERIAN HAS FURNISHES CHARGED OFF AND ADVERSE INFORMATION AGAINST ME THE CONSUMER AND HAS HARMED MY CONFIDENCE IN THE BANKING SYSTEM. EXPERIAN HAS CAUSED ME TO APPEAR AS A RISK AND HAS CAUSED ME TO LOSE MY ABILITY TO EXERCISE MY GRANTED RIGHT TO CREDIT.  PER ELEVENTH CIRCUIT COURT RULING XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions Inc" I WILL SEEK STATUTORY DAMAGES WHERE I NEED NOT PROVE ACTUAL DAMAGES BUT ONLY PROVE WILLFUL VIOLATION UNDER THE FCRA AFTER INITIAL NOTICE TO EXPERIAN.WHICH I NOW HAVE.ASWELL AS A COPY OF THIS COMPLAINT WILL BE ADDED AS AN EXHIBIT. EXPERIAN HAS GONE PAST THE 45 DAY MARK AND HAS NOT PERFORMED ITSDUTIES PER THE FCRA. PER 15 USC 1681i HENCE THE ALLOTTED TIME PERMITTED ALLOED BY LAW WAS EXCEEDED EXPERIAN MUST REMOVE FROM MY REPORT ALL DISPUTED ACCOUNTS OR UPDATE INFORMATION TO CURRENT PAID AS AGREED FOR ADVERSE INFORMATION DOES NOT BELONG ON A REPORT PER 15 USC 1681c(4)(5). EXPERIAN HAS NOT PROVIDED A DETAILED PROCEDURE ON HOW IT REINVESTIGATED THE DISPUTED ACCOUNTS AD HAS NOT PROVIDED THE NAMES OF THE INDIVIDUALS IT INTERVIEWED AS DEMANDED UNDER 15 USC 1681i. EXPERIAN CONTINUES TO VIOLATE ITS DUTIES PER THE FCRA AND CONTINUES TO WILLFULLY HARM MY REPUTATION AND HAS CAUSED ME TO LOSE FAITH IN THE BANKING SYSTEM.
Product: Credit card or prepaid card

Purchased a product from online store and it was XXXX camera body and used Chase XXXX XXXX credit card. Received package from the merchant. the inside seal was broken but not from the outside and some box inside package had a white substance in it. the package came with few other stuff, but XXXX body was missing. Reached out to the merchant. No response or call, and reached out to Chase credit card service, they are just keep saying that this transaction is valid without considering going route with the customer protection against such a foul purchase. And Im getting charged for that transaction even though the XXXX body was missing from that package. Reached out to Chase multiple times, I was not able to contact right people about the dispute and was not even able to make dispute process from online either as to it is keep saying that I need to contact # to reach out to them but they never respond or provide any answers. Provided document through fax, but still no phone call from the Chase
Product: Payday loan, title loan, personal loan, or advance loan

I received a personal loan from PROSPER on XX/XX/XXXX in XXXX for {$15000.00} XX/XX/XXXX I requested a credit card increase from XXXX XXXX XXXX and the bank then sent a check for {$13000.00} to Prosper at the address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
I waited over XXXX week but heard nothing back from Prosper so I contacted my bank and a representative told me that the check was sent to Prosper on XX/XX/XXXX. I called Prosper to asked what happened to the check that was sent by my bank and the Prosper representative told me that I sent it to the wrong address so I explained to her that is the address that is in my email. I had to called back XXXX XXXX XXXX and explained to them that PROSPER stated that they never received the check, ( XXXX  ) immediately placed a stopped payment on the check. I called back Prosper and told them this and I was given a different address to mail the check. NO further checks were mailed because we ( XXXX ) wanted to wait to make sure no one tried to cash the first XXXX. However, on XX/XX/XXXX PROSPER updated my account balance {$13000.00} paid in full. I was shock I called/email to let them know that a stopped payment was placed on the check. They got me for insufficient fees, late payments fees and other fees. I have email and made phone calls and was told that those fees were waived, but they are not. The loan agreement is for me to pay {$310.00} per month on the XXXX but because of all the confusion I requested for them to changed the payment date for the XXXX of each month. Now Prosper is auto withdrawing extra fees 2 times in a month separately from the {$310.00} loan payments without my permission, this is causing a great deal of hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # XXXXXXXX XXXX XXXXXXXX {$11000.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX, {$9000.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, {$3800.00} XXXX XXXX XXXX XXXX {$0.00}. Showing 90 days late XX/XX/XXXXXXXX XXXX # XXXX {$15000.00} closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX closed XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX {$170.00} XXXX XXXX XXXX {$16000.00} XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX  XXXX.
Product: Credit reporting

My rental history from Experian XXXX is negatively reflecting civil court inquiries, which is keeping me from moving or getting an apartment.
I do not have any information in public records on any of my major credit reports.
I've never been evicted, owed any rent balance, or have I ever had any judgements against me, and I'm currently still residing at the same address for over 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian XXXX and XXXX about the problem and each consumer about the credit inquiries no one can give me accurate information on when and who ran my credit report without my permission
Product: Checking or savings account

XXXX / XXXX / 2017  I saw this offer from BoA http  : //promo.bankofamerica.com/300offer/.   And direct deposited more than {$4000.00} before  XXXX / XXXX / 2017 . And I have n't received any feedback. After contacted their CSR on  XXXX / XXXX / 2017 , they said they are working on it. But never received the bonus as the moment.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from a company called Netspend, advising me that my " Netspend card is on the way! '' The email goes on to state : " XXXX, your Netspend Prepaid Mastercard has been shipped and is on its way to you. Once your card arrives, be sure to activate it and verify your identity. * After that, add money to your Card Account and then use your card to buy groceries, pay bills,1 and shop online! '' Not only did I never order or authorize a debit card from Netspend, I've never even heard of them. I believe this is a consumer scam, and hope you can do something. I have attached the email for our information.
Product: Money transfer, virtual currency, or money service

I received a letter in the mail that someone tried to obtain a PayPal credit card through synchrony bank on XX/XX/2021, I do believe this is the same criminal who has filed fraudulent charges in my name on different accounts as well as fraudulent unemployment, this person ( s ) is attempting to and has been opening accounts in my name. My credit of froze with fraud alerts and Ive filed police reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by 3 credit bureaus that this is now on my report. As of XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 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 card

I applied with full faith and credit and clean hands on XXXX XXXX for a visa Platinum Credit card ref : XXXX after giving valuable consideration, A fair exchange was not executed on behalf of AMERICAN EXPRESS CO XXXX AXP ) ( CIK XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX I pursued several attempts to remedy the situation including the retraction of my original application which was denied by XXXX XXXX XXXX and American Express my request went completely ignored any correspondence sent out to their investor relations department and chairman after a notice to cure was received by their office. The fraud being committed against my credit card ( 15 USC 1602 ( I ) and security interest is a direct violation of the securities exchange act and the indenture trustee act American Express agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditors XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as a fraudulent account on a police report that I have sent them. As a result they were removed from my credit report. LVNV Funding LLC is the new agency reporting the fraudulent account. They are reporting on my XXXX, XXXX, and XXXX
Product: Mortgage

I filed bankruptcy on XX/XX/XXXX and continued to pay both XXXX and XXXX mortgages through the trustee, I was not in arrears when i filed and was never late or missed any of my payments to the XXXX then converted to a XXXX and was discharged on XX/XX/XXXX.I did not reaffirm either account but did choose to continue making payments.My XXXX mortgage is through real time resolutions in XX/XX/XXXX one month post discharge they reported me late.Which brings XXXX issues number XXXX this loan was discharged it is a violation of my automatic stay to report past the filing date and certainly past the discharge date.I have disputed with the cras and i have called real time and they said they could report on this account.This information is on all XXXX credit reports that this loan is discharged in the bankruptcy so at this point i am bringing it to your attention 1 more time.This type of reporting violates one of the basic tenants of federal bankruptcy law that they are reporting on discharged debts.
Product: Debt collection

This debt was disputed with the original collector and was sold off. I have proper documentation needed for proof of identity theft and they refused to remove. I have taken action with Attorney General claims within my state to fight the disputed account that was already removed once before.
Product: Credit reporting or other personal consumer reports

There are several incorrect addresses, and even maybe the names on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency closed last dispute as duplicate, when it was never resolved. I have never even received written communication from them. I have requested a physical signature, picture id and proof of verification before leasing an apartment in my name. A police report has now been filed. 

See Original complaint.. 
Please have this company provide a copy of the drivers license and a copy of the social security. Show a physical signature to pick up keys, not an electronic signature. 
XX/XX/XXXX, XXXX XXXX Complaint Details.. I have provided a police report, social security card, drivers license, previous divorce paper, new marriage license, and my last three leases to show that I have lived in XXXX since XXXX XXXX  XXXX. I called XXXX XXXX back in XX/XX/XXXX, spoke with XXXX again and asked him the status of this, he told me that they have been in touched with apartment complex and requested a copy of the lease and a copy of my drivers license and was told by XXXX XXXX XXXX XXXX that they did not have this or any file for me. I asked him why then is this on my credit report and he told me that the apartment complex has 30 days to provide documentation. I explained that me and my husband are trying to purchase a restaurant, he told me he understood. In the beginning of XX/XX/XXXX I called National Credit Systems back, spoke with XXXX again. This time he had an attitude, I told him that my restaurant deal fell through because of this collections on my credit report. I asked him why has it not been removed he told me that they did not receive a police report with my fraud packet. I told him I don't have to file a police report I am and have been in a different state, that the apartment complex can't even provide a lease or a drivers license that this is not right because this debt is not mine. I told him I was going to file a complaint, and he told me OK do that. This debt is not mine, they know this and will not remove it from my credit report
Product: Student loan

I am a victim of predatory lending by XXXX XXXX XXXX currently oweing {$40000.00} in student loan debt. I informed the U.S. Department of LaborXXXX XXXX XXXX defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Often times the class was lead by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower.
Product: Credit card

I have had Capital 1 for 10 years. I have never missed a payment and enjoy using them. I have had to use the card more than normal and noticed my APR has gone up 6 % in 2 years. I called for an APR break as there is no reason for me to have such a high APR. They refused even temporary relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I want the fraud accounts removed ASAP!
Product: Credit card

A/C # XXXX XXXX XXXX I made two complaints in the past ( XX/XX/XXXX & XXXX ) regarding the same issue but still have not resolved yet. 
Complaint # : XXXX US BANK respons letter dated XX/XX/XXXX stating that I would get XXXX bonus miles when the XXXX statement comes out. However, I never received anything. 
No wonder this branch has only one star rating on XXXX  reviews. 
On XX/XX/23, I called the customer service and asked about the bonus miles. They said they will do the research and that will take 4 to 6 weeks. 
They constantly lies and giving me runaround. 
I have been very patience and now is getting to the point where the legal action might happen. And it will cost US Bank more than XXXX bonus miles.
Product: Student loan

Navient was supposed to forgive my loan on a payment plan that I had several years ago but did not. I thought that the plan was too good to be true and should have been more cautious. I saw that there has been a settlement and wondered if I would qualify for payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I spoke with XXXX at the US Department of Education because I tried to get approved to buy a house and the mortgage company said I had student loans. XXXX said that I have a student loan in default from when I attending a trade school in the XXXX XXXX I attended XXXX XXXX XXXX XXXX to try and get my XXXX  degree in XXXX. The school was investigated and found to be a non creditable school and was shut down. I was unable to complete my degree for this reason. 

When I applied for a mortgage loan, the student loan popped up on my credit report which I was unaware that it was still on my credit report. My understandings were that since the college was found un-creditable, my student loans would be taken care of since I could not complete my degree. To my surprise, XXXX told me that my loan was held with XXXX XXXX from XXXX to XXXX. On XX/XX/XXXX, the US Department of Education took over this loan because the XXXX XXXX went out of business. 

I have not been notified through mail or via phone of this loan with either federal loan companies. I was unaware I even still had a student loan debt, until I applied for a house. XXXX directed me to complete a complaint form to try and dispute this loan to be removed from default so I can purchase a home. 

I need to be directed on how I can get this loan removed from my credit report and how I can get this loan forgiven. I was under the impression that when the college was declared, un-creditable for a degree, that my student loans that I took out to receive a creditable degree, would be forgiven or bought back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b s creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint as a recent issue regarding the dispute I filed concerning certain inaccuracies on my EXPERIAN credit report. After reviewing my report, I identified an account that I believe is incorrect and does not belong to me. I initiated a dispute to have this resolved. However, the response I received from your office indicates that the account in question was " verified '' as belonging to me. 

I find this response concerning for several reasons. Firstly, I have never conducted business with the company associated with the disputed account, nor have I entered into any binding contract or agreement with them that would warrant this account appearing on my credit report. There is no signature or evidence of an agreement on my part, and no documentation to substantiate this account as mine. 

Given this, I respectfully requested clarification regarding the methodology and procedures they used to determine that this account is verified as belonging to me. I initially requested this information in my dispute, but to date, I have not received any details on how this verification was conducted. 

Under 15 U.S.C. 6802, I have the right to have inaccurate or unverifiable information removed from my credit report. As this account does not appear to be associated with me in any way, I am requesting that it be immediately deleted from my report. 

Please respond promptly with the necessary information and confirmation that this item will be removed. s. 

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

I have sent in my credit report showing that XXXX XXXX XXXX XXXX was the playof The Bankruptcy on my file equifay told me that they are a wary of the mixed file but never removed this info they deleted his name XX/XX/XXXX and they just remove his address XX/XX/XXXX still kept his file on they say they verified through XXXX which is a lie I have XXXX report and it have proof that they dont have Bankruptcy
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXXXXXX Account Number : XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

It has come to my attention that XXXX XXXX has been illegally reporting my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am herby requesting all above disclosures required by Federal Law. If you are unable to provide the signed agreements please delete this account off of my credit profile.