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

I have mailed 3 separate letters requesting EXPERIAN to validate accounts listed as XXXX, XXXX, XXXX, and XXXX XXXX. With those letters sent ... I included notarization for every single letter along with copies of my identifications. I also mailed all of those via certified mail as evidence. 

However, Experian has failed to verify those items as I have not received any documentation with my signature on it. Every time I receive a generic response from Experian saying that they have already verified and that they will not reinvestigate this matter. Yet I dont have any verification as proof. 

I sent letters on the following dates to EXPERIAN : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, EXPERIAN basically responded with a Credit Report copy without any changes. I will attach the last response they sent on XX/XX/XXXX. 

I spent money multiple times on Notaries and in Certifying Mail services trying to resolve this with EXPERIAN.
Product: Debt collection

I filed for XXXX  XXXX bankruptcy on XXXX. XXXX, XXXX. An auto loan that I had that was included in bankruptcy is still on my credit report. I have tried to contact the loan company, XXXX XXXX XXXX multiple times and have been told someone will call me back and they never do. Before I filed for bankruptcy I called XXXX XXXX XXXX and told them to come pick the car up, but they told me they werent going to do that. On my credit report it shows this account with XXXX XXXX XXXX was opened on XXXX. XXXX, XXXX  ( 8 yrs, 5 mos ). On my credit report it also shows under Account Details for XXXX XXXX XXXX that this account was Closed XXXX XXXX, XXXX. But my XXXX  XXXX bankruptcy was discharged on XXXX. XXXX, XXXX. So this account should have been closed the same date my bankruptcy was discharged on XX/XX/XXXX!! This account with XXXX XXXX XXXX was included in my XXXX  XXXX Bankruptcy, is 8 years and 5 months old, and the closed date is after my bankruptcy was discharged. I have disputed this account many, many times and the credit bureaus will not remove it from my credit report. This account is causing my credit score to remain low and Im unable to get approved for a first time home buyers loan. I want this account removed from my credit report!!! It should not be on there when it was included in bankruptcy!!!
Product: Debt collection

I was notified by this company in XXXX 2015, that I owed a debt to them, and asked for debt validation immediately, and was never sent any debt validation. I received a letter XXXX/XXXX/2015 stating they would cease Collection Activities and no reporting to my credit bureaus. 
I received a summons that I am being sued XXXX XXXX by this company after stating they would not pursue the debt and in a XXXX that I do not reside, I never received any validation of this debt. It is not Valid it is Fraud, and after repeated requests I am know being sued in court.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my XXXX and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

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

I sent a Certified Dispute Letter to Transunion ( XXXX # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following FST XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its 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. 

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

My issues were not addressed. I asked Equifax to verify all items on my report and they did. They stated that everything was accurate without providing any proof. I provided all the accounts and highlighted all inaccuracies. Under the FCRA Bureaus are required to have a copy of the original creditors documentation on file to verify that the information they are reporting is actually mine, and it also has to be correct as well as accurate. When asked to verify bureaus are supposed to provide original copy 's with my original signature as verification. Equifax did not provide this information. They just stated that the debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 DEMAND LETTERS WERE SENT CERTIFIED TO THIS COMPANY WHEN THEY LISTED THAT THE ACCOUNT WAS FROM ONE COMPANY 3 DEMAND LETTERS WERE SENT CERTIFIED TO PROVIDE A DOCUMENTED INVESTIGATION THAT THIS ACCOUNT WAS LEGITIMATE 3 DEMAND LETTERS WERE SENT CERTIFIED MAIL THAT I NEVER RECEIVED MAIL OF AUTHORIZATION BY MYSELF THAT THEY HAD THE WRITTEN RIGHT BY MYSLF TO PROVIDE INFORMATION ABOUT ME ON MY BEHALF OR ON THE BEHALF OF ANOTHER COMPANY DELETE AND REMOVE ALL COMMENTS THAT WERE SUBMITTED CONTINOUSLY BY THIS COMPANY SAME AMOUNT SUBMITTED BY AN ADDITIONAL COMPANY WITH NO PROOF OR DOCUMENTATION OR PROOF OR AUTHORIZATION BY MYSELF AND NO WRITTEN AUTHORIZATION BY MYSELF THAT MY FEDERAL RIGHTS WERE BEING VIOLATED AND THAT I WOULD DBE FORCED TO EXERCISE MY RIGHTS UNDER FEDERAL LAW AND I WOULD BE FORCED TO REPORT THEM TO THE CFPB AND ANY OTHER FEDERAL LAW AGENCY ON MY BEHALF CONTACTING LEXIS NEXUS WITHOUT MY AUTHORIZATION AND IGNORING MY DEMANDS FOR AN OFFICIAL INVESTIGATION WITH STEP BY STEP WRITTEN DOCUMENTATION OF THE WHO, WHEN, WHERE, WHAT METHODS, DATES, NAMES, NOT PROVIDED ALLOWING XXXX TO ILLEGALLY CHANGE NAMES UNDER THE ACCOUNT WITHOUT LEGAL PROOF THAT THE FEDERAL LAW STATES THEY ARE TO FOLLOW AND OBEY THOSE LAWS WERE NOT FOLLOWED THOSE LAWS WERE NOT DONE MY RIGHTS WERE VIOLATED ON MULTIPLE OCCASIONS MY RIGHTS WERE VIOLATED FOR A PROFIT BY THIS COMPANY
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fare credit report act the list of accounts listed below have violated my federally protected consumer rights to privacy under the 15 USC 1681. Accounts XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC section 602 states u have the right to privacy. 15 USC 1681 section 604 A stars a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

It seem like Nelnet is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Nelnet claim that I own them money. They have not seem any proof or validation this debt. They have not given me the address and name of the original. They are putting false information on my credit report. I really believe that Nelnet being discriminated against me because I'm a XXXX male.
Product: Prepaid card

Hello, I received a {$1500.00} Amex Gift Card ( virtual ). I've tried using this card at multiple locations - both online and in store- and haven't been able to use it anywhere. XXXX of the retailers I've tried is XXXX, which is a large, national, reputable retailer and the card was denied. 

I haven't been able to find a retailer to successfully take the card - no one will take it. I called Amex customer service and they did not offer any type of resolution. I asked multiple time ( and escalated to a supervisor ), asking where I can use the card, as the website states that the cards can be used " anywhere. '' When I asked if they could provide me a list of approved retailers ( since I haven't been able to find XXXX to take the card ), they said that's not possible, but to try " another '' retailer. Upon trying another online retailer, also declined. 

Amex is inaccurately describing and falsely advertising their product online, as the card can not be used at " any '' online/physical retailers. Amex makes it extremely difficult to use this card. And upon calling to request support, their team is not helpful, as they say that there's nothing they can do about it and it's for " security measures. '' ( Which isn't true, because the retailers I've tried using the card at require the card number, expiration date, and XXXX. ) I haven't been able to use my card anywhere, and I haven't been able to reach a customer service representative to support this matter. For a reputable company like Amex, it's extremely frustrating that they are taking advantage of their consumers in this way. I'm hope you can help support this matter and offer a resolution. 

Thank you in advance for your help! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been used to fraudulently open personal loans and credit cards without my knowledge. These companies use soft pull to check for mortgages on your credit. I never had a mortgage before. Me and my father share the same exact name and Im a junior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal dispute regarding inaccurate information on my credit report and failure to investigate a dispute. The entity responsible, Equifax, Experian and transunion has negligently failed to comply with the Fair Credit Reporting Act ( FCRA ), causing harm to me as a consumer.

Under 15 U.S. Code 1681o, any person or entity that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as legal costs and attorneys fees if applicable. The specific negligent actions in my case include : XXXX reporting inaccurate information despite prior disputes Accounts are listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX. XXXX XXXX XXXX {$6800.00} Due to this negligence, I have suffered harm including but not limited to such as credit denial, financial losses, emotional distress, or damage to my credit score. 

I formally request the following corrective actions : 1. An immediate investigation into this matter.

2. removal of the inaccurate/disputed information.
Product: Credit reporting or other personal consumer reports

For the last three months, I've been asking Experian to remove inaccurate personal information from my report and provided evidence to support my request. However, Experian has once again failed to investigate the matter.
Product: Debt collection

Received letter stating debt owed and in collection with a threat of if payment is not made immediately debt collection process will proceed. 

Confirmed with my bank per supposed account and debt, they have confirmed no such account # or any amount is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX** The CFPB closed my earlier complaint as they felt it was a duplicate complaint. Complaint XXXX should have been sent to creditor and was not a duplicate complaint. The complaint was closed in error. 

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I would know if they received it. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. This validation letter was also returned from the US Post Office with a bad address that could not be forwarded. This means that the company has gone out of business, reporting incorrect contact information on my credit report, or is conducting business under false pretense. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my information has been taking by hackers accounting to authorities. Since then I have been getting all sort of accounts on my credit report that do not belong to me. I am a victim of identity theft and trying to get this resolved from all 3 credit reporting agencies
Product: Mortgage

I had a Heloc with BofA at my personal residence fo r 10 y rs for  XXXX  per month. I never missed a payment. then it was set to reset to a fully amortizing loan and the payment would be  XXXX  per month. I was told I had options o f, 1. p ay it off.  2. s ee if I could re apply for th e Home equity  loan and keep it the same. I did and I was turned down. after 10 years of making payments and never having a late. Then I was told I could apply for a modification but they would not look at it if I was current. so I stopped payments for two months and applied. I was turned down. I then made the payments current and  six mon th later paid it off in full. Now I am trying to get a new loan and I have late payments on my otherwise perfect credit report and I can not get a loan. The ve ry lest BofA c an do is remove them. This all happened in 2016. the late payments are from  X/X/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

An old account was placed on my credit report that I have no knowledge of. This is a medical bill and is in violation of HIPPA. This should not be on my credit report. It was removed from XXXX  because it was invalid. Experian still has it listed and I want this removed.
Product: Credit card or prepaid card

On XX/XX/2020, XXXX charged me {$270.00} for purchasing an XXXX XXXX  XXXX generation but the order never got delivered to me. They sent me a photograph showing the order was delivered but all I could see was that the order was abandoned completely unsecured on a remote floor somewhere which does not match my apartment location. The photograph is attached with this complaint. On XX/XX/2020, the next day, XXXX charged {$13.00} for the cover case of the XXXX  which I ordered at the same time as the XXXX, but I also didn't get it. Also, my bank refused resolving the unfair charge of {$81.00} and repeated assaults of $ XXXX  monthly overcharges scammed by merchant XXXX  XXXX on my credit card account for the past few months which really breaks my heart and worries me. Fair resolution to this issue will be resolving, rectifying, and refunding back the unfair changes back to my credit card account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting late payments from XXXX XXXX XXXX and XX/XX/2020 on my XXXX, XXXX and Experian credit reports, in which is adversely affecting my credit score and homebuying process.
Product: Checking or savings account

I went to the Huntington Bank in XXXX Michigan to open a savings and checking account on XX/XX/2023. The account representative order checks for me. I was told it would take 10 working days at least to get my debit card and the checks. I finally received the debit card and tried to activate it. It was unsuccessful the numerous times I tried. It was noted to call the customer service line. When I did I was told that they could not activate the card as well. I was finally told that they were in the process of closing the account. When I ask for the reason they said I would receive a letter explaining the whole situation. I have still not received suitable answer or letter telling me that the account was being closed. I have {$3500.00} in the bank account and I asked if I could go and retrieve my money. They said no that they were in the process of closing the account. Over a month has passed they have not sent any information to me nor have they called me after numerous calls that I placed in the XXXX branch. I am a senior citizen only on social Security. The money is very important to me and they will not give it to me. The money consisted of a check that was written to me for {$3000.00} by my daughter through the XXXXXXXX XXXX. In addition I deposited {$500.00} cash. The check did clear and I received a letter that it had and that the account was supposedly open for me to use the funds as of XX/XX/2023. I continue to get emails asking me to activate my debit card. My last call that I made to Huntington Bank XXXX branch told me that they too are kept out of the loop. They did call regarding the account closure and was given to the fraud department. The lady at the bank told me that I was a double victim and she would try to find out better information for me and she would call me. She did tell me that according to the information on file my money would be held through XXXX XXXX or XXXX. To me this is criminal and they are holding my money, charged me for checks that I can't use {$21.00} and I still have not received a letter of explanation from them. The XXXX branch has been most helpful and sympathetic however the main branch or the fraud department is highly unprofessional it has yet to contact me. I need my money to pay my taxes which are now late because of the bank and regular living expenses.
Product: Credit reporting or other personal consumer reports

This letter serves as a final demand regarding the fraudulent reporting of a XXXX account on my credit report. Despite my previous submission of the necessary documentation to demonstrate that the account is the result of identity theft, Experian has failed to properly verify or remove the account. 

This same fraudulent account has already been investigated and removed by XXXX. I respectfully request that XXXX follow suit by removing the same inaccurate information from my credit report. 

Instead, I received notice that the account was " Verified and Updated, '' yet no documentation or proof of such verification has been provided to me. This conduct constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am prepared to take further action if Experian does not immediately comply with the law.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian is required to block any fraudulent information within four ( 4 ) business days of receiving documentation of identity theft, including a police report or FTC Identity Theft Report. I provided such documentation, and Experian has failed to comply by continuing to report the fraudulent XXXX account. 

Under FCRA 611 ( 15 U.S.C. 1681i ), If a consumer disputes the accuracy of any information, Experian must conduct a reasonable investigation. This investigation must include obtaining relevant documentation from the creditor to confirm the legitimacy of the disputed account. Simply stating that the account is " Verified and Updated '' is insufficient under the FCRA if Experian can not provide documentation verifying the accuracy of the account.

Under FCRA 623 ( 15 U.S.C. 1681s-2 ) I remind Experian that creditors and furnishers, such as XXXX, XXXX obligated to report only accurate information. If XXXX is reporting fraudulent or incorrect data and Experian continues to include it on my report, you are both in violation of the FCRA. 

FCRA 616 and 617 ( 15 U.S.C. 1681n & 1681o ) Experians failure to reasonably investigate my dispute and failure to provide proof of verification may be considered willful or negligent noncompliance. Under these provisions, Experian is subject to civil liability, including actual and punitive damages, attorneys fees, and costs of litigation. 

Experian must show that it didnt just rubber-stamp the creditors response but actually obtained and reviewed the necessary documents.