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

Subject : Complaint against Experian for Failure to Correctly Verify False Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for their failure to appropriately verify false information on my credit report. I have previously disputed this information directly with Experian ; however, their investigation and response were insufficient. Therefore, I am seeking your assistance by filing this complaint with your bureau. 

The inaccurate information on my credit report pertains to [ describe the specific inaccurate information in detail ]. Despite my repeated attempts to dispute and rectify this false information with Experian, they have failed to conduct a thorough investigation or take appropriate action. As a result, this misinformation continues to adversely affect my creditworthiness and financial standing. 

I have provided Experian with all the necessary supporting documentation and evidence to substantiate my claim that the reported information is false XX/XX/XXXX. However, they have neglected their responsibility to ensure the accuracy and integrity of the information they report. 

I firmly believe that Experian 's lack of due diligence and failure to conduct a proper investigation and verification of the false information is a direct violation of the Fair Credit Reporting Act ( FCRA ). Moreover, their actions have caused significant harm and inconvenience to me. Despite my persistent efforts, Experian has failed to address this matter satisfactorily. XX/XX/XXXX Therefore, I kindly request that the Consumer Financial Protection Bureau intervene in this dispute and take appropriate action against Experian to rectify the situation. I am seeking a thorough investigation into Experian 's handling of my dispute and their failure to correct the false information on my credit report. XX/XX/XXXX Enclosed with this complaint, you will find copies of all relevant correspondence, documentation, and evidence of my attempts to resolve this matter with Experian. I believe that a comprehensive review of these materials will highlight Experian 's non-compliance and negligence in their obligations under the FCRA. 

I sincerely appreciate your attention to this complaint and your efforts to ensure that Experian fulfills their responsibilities as a credit reporting agency. I kindly request your assistance in rectifying this situation and restoring the accuracy of my credit report. 

Please do not hesitate to contact me if you require any further information or documentation to facilitate your investigation. I look forward to your prompt response and resolution to this matter. 

Thank you for your time and consideration
Product: Credit reporting

I used Experian 's website to receive a credit report for {$1.00}, but my credit card has now been charged for XXXX months of Experian 's services at {$21.00} per month. I never agreed to obtain a " membership '' to Experian or to pay a monthly service fee for that membership ; I never received any communication from Experian to inform me I would be enrolled as a " member '' and that I should expect to pay a monthly fee of {$21.00} ; and I never saw any information about these pending charges on the Experian website when I obtained my {$1.00} credit report. When I spoke to someone at Experian, she stated that she can only refund my credit card for one month of the billing.
Product: Mortgage

I have not heard from BoA even though I was promised a response over a month ago. 

I have filed complaints with CFPB and still have not heard from BofA. See complaints below. 

XXXX XXXX XXXX Conventional home mortgage Trouble during payment process Bank of America XX/XX/2020 XXXX XXXX XXXX Conventional home mortgage Trouble during payment process BANK OF AMERICA HOME LOAN XX/XX/2020 Personnel at BoA have repeatedly promised me responses including the staff named in my previous complaint. I have not heard one peep from them -- either by email, mail, or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am composing this letter in regards to the account number XXXX that your company is currently reporting to XXXX under my name. I am deeply troubled by the derogatory rating associated with this account. It has greatly concerned me, especially as it has affected my credit standing. I recently experienced the denial of a loan, and my existing credit accounts have witnessed an increase in interest rates. I want to bring to your attention the significant financial distress this negative rating has caused me, and I anticipate that it will continue to inflict both financial and emotional strain until it is resolved.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Capital One auto finance is reporting to two credit bureaus ( XXXX and XXXX ) a loan that was charged off for over {$18000.00}. 

This account was opened by my ex wife ( divorced at time of account opening ). I proved to the creditor I had never signed any documentation stipulating my responsibility in the financial contract. The vehicle was never registered in my name nor did I ever have possession of it. 

I have tried on several occasions to resolve this matter with the creditor to no avail.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with Experian, XXXX and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : 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

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document
Product: Credit reporting or other personal consumer reports

ALL CURRENT ADDRESSES AND PHONE NUMBERS ARE INCORRECT IN ALL CREDIT BUARUS - remove them and replace them with the XXXX XXXX XXXX correct phone number below. 
I have never lived at reported addresses. The ones I have listed below are accurate and real time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX correct phone number : XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I contacted Experian by online as they requested to have dispute opened and resolved they sent a response within two hours saying debt as been updated no verification process followed. My HIPPA right were violated as I have never heard of XXXX XXXX XXXX XXXX nor XXXX XXXX. Nothing should be reported without contacting me directly XXXX I have a fraud alert on my profile. I have received several notices saying my data was breeched with several companies I was never a patient of. Removed XXXXXXXX XXXX XXXX from my profile I have never heard of the company.
Product: Money transfer, virtual currency, or money service

I use Venmo to purchase and transfer crypto currency for these online games I play. My last XXXX transactions were flagged and held by venmos AI run system which means they hold the funds from me for 5 days. When I request support they say there is nothing they can do. Each time I buy the crypto and go to transfer it I pay a fee for each transaction. They happily take my fee but my transaction is not completed in full due their system hold. I requested a refund of the fees since their platform did not perform as promised and have been denied each time in the basis that its not a Venmo fee. Well it is, they make a profit off the transaction and its their system that keeps the transaction from completion. An AI should not govern in totality the transaction. I understand the need for security and quality control but holding peoples money after collecting a fee for a transaction that was never completed due solely to their own system is robbery, fraud and misrepresentation of what I am paying the fee for. I am not paid interest in the amount withheld or refunded even a portion of the fee. I works hard for my money and institutions like XXXX and Venmo have no right to withhold funds or collects fees for transactions that are never completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans XX/XX/2008 3 acount Reporting on all three credit companies This account was payed and close please remove from credit companies Its to old
Product: Credit reporting or other personal consumer reports

XXXX and Equifax is reporting fraudulent accounts on credit profile with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . XXXX did an investigate deleted all of these items. I am victim of identity theft which I do have a personal statement on. my credit profile stating this and I turned in a FTC to show them and a police report. I even turned in a letter I gotten from XXXX about them removing the account from my credit report. I want theses accounts to immediately blocked and removed from my credit report. Legally I can also get credit reporting companies to remove fraudulent information and debts from your credit report, which is called blocking. FCRA 605B ( 15 U.S.C. 1681c-2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX A ) XXXX Balance : {$460.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Credit card or prepaid card

We feel we were not treated fairly by Comenity Bank on our Arhause Archarge Credit Card. We had mad a large purchase and took advantage of a 0 % offer. We knew we had to make pay off by the end of XXXX consequently on XX/XX/2020 we made a payment of {$4200.00} on our account. I was traveling at the time, unfortunately the amount I needed to pay was {$4000.00}. As a result of this human error of not paying {$72.00} we were charged {$830.00} in interest charges. When we were made aware of this we immediately contacted Comenity to get it resolved. Although they appeared to feel sorry for us they claimed there was nothing they could do stating if they reduced the fees for us they would have to do it for others. We escalated the matter to several mangers but no resolution. We spent over two hours on phone/hold trying for a fair resolution. We were told by Arhaus management  to keep trying because they knew for a fact they had made concessions in the past for other customers even with amounts significantly greater than {$72.00}. We continued to resolve with Comenity with out success, as a result we are pleading with you to help us in this situation where we feel we have no control but the bank is charging us excessively,
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS FROM CREDIT REPORT SHOWING INACCURATE ACCOUNTS. PLEASE REMOVE DUE TO VIOLATION OF THE FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
Product: Credit card

I submitted alerts of charges for goods that were not received from XXXX XXXX stated most were in my favor but then an email with the final larger ones being denied saying that received proof I received the good which I did not. I have asked them per request of my attorney XXXX XXXX for the supporting evidence documentation the used for this outcome. They have not sent it they keep saying that they are sending it but have not. I am attaching proof of the conversation with them. They do all the disputes via text an email. Yet when I ask for a copy of the supporting evidence they say it can only be requested via snail mail.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit profile and seen that there were unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX  - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquiries, nor do I recognize any addresses listed in this report. Please remove them immediately.
Product: Checking or savings account

XX/XX/XXXX, Incorrectly, I sent hyundai finance dept, {$6200.00} instead of {$620.00}, regular monthly payment, electronic from my bank XXXX, XX/XX/XXXX, i noticed, i sent the incorrect amount of money to the Hyundai account billing dept, called, XXXX, spoke with XXXX @ XXXX XXXX, explained the problem, asked if the payment can be cancelled, she explained, payment has not arrived electronically, she can not do anything at this time, asked if a notice can be placed to stop payment upon arrival, she said i will have to call my bank to stop payment, she hung up, called again, @ XXXX XXXX, spoke with XXXX, stated, i incorrectly sent the wrong amount to pay my bill, she stated, until the payment arrives there is nothing she can do, i can try calling my bank,, she stated, i would have to call during business hours XXXX  thru XXXX i also called my bank, they stated payment has already been sent i have to call the financial company. On XX/XX/XXXX, i sent my bank XXXX messages, no response to this date i need to get the correction made on the accout since i have other bills to pay, the monies returned to my account thank you for your time and assistance
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  incorrectly reported late payments to all   XXXX   (  XXXX   )  major credit bureaus  (   XXXX , Experian and  XXXX  ) although the loans were approved for forbearance. Additionally, I addressed this issue with  XXXX  on   XXXX   XXXX    2016 via f acsimile an d US mail to no  avail.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Complaints, Firstly, I would like to thank Experian for responding to my previous complaint. 

However, I am still awaiting my credit report because it has *not* been sent as promised. 

In their last correspondence, they wrote to me : " We are in the process of adding your current address to your file. '' " Once your address is added to your file, a full report will be mailed to you. '' " We are in the process of sending your Experian report to you for review and confirmation by US Postal mail. Please allow up to 10 days for delivery. '' I was grateful to receive this positive response, however the report never arrived. 

To recap, I have requested my report several times : - XX/XX/2020 : Applied electronically, but was only able to receive my Transunion report - XX/XX/2020 : Applied by mail, but only received a generic unhelpful response - XX/XX/2020 : Applied by mail with more information, but received the same generic unhelpful response - XX/XX/2020 : Complained via CFPB and received confirmation that my report would be sent - XX/XX/2020 : Filed a second complaint with CFPB Also, it was mentioned in Experian 's response that my previous annual credit report requests were delayed due legibility concerns with an unspecified document. I dispute this since the documents were prepared professionally with due diligence. 

Lastly, I have tried to be professional and refrain from making any personal comments, but I feel great frustration and stress related to this process. I expect that we would all agree on the following tenet : " Treat others how you want to be treated. '' I ask whoever is reading this to please consider how frustrated I must be by this process.