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

XXXX ; Experian and XXXX are failing to show the following accounts are in fact In Dispute. XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; and XXXX partial account number XXXX. ( I have attached screenshots from my credit report for reference. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is completely unacceptable that after continuous disputes sent on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and opportunities I've given to Equifax XXXX XXXX XXXX XXXX  XXXX continue to report inaccurate and unverifiable information to my credit reports. I feel completely violated of my rights and they aren't following proper procedures by deleting errors from my reports. 

The credit bureaus continue to report the following items below in total error and refuse to remove them as a result of their claimed investigation that they clearly didn't do.. I have sent multiple letters since middle of XX/XX/XXXX, each month and they continue to report false negative items on my report. There are inaccurate addresses and employer information listed on my reports. I provided them with full proof of address and proof of photo ID as they require Multiple inaccurate inquiries that I did not authorize EVER and were not applications I submitted for credit or loans. These errors of inquiries I did not make or authorize with XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccuarate old info that needs to be removed from my report XXXX XXXX XXXX XX/XX/XXXX - I didn't authorize this and its inaccurate old info that needs to be removed from my report XXXX XX/XX/XXXX - I didn't authorize this and this information is inaccurate The other accounts they continue to report in total error that need to be deleted from my credit reports are XXXX XXXX Acct XXXX, AD XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX SVCS # 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 I have not XXXX ANY verification of how these bureaus have verified that this information is accurate on these accounts with the original company that they claim furnished this info to them and clearly see errors in how they are being reported. There is no justification and this ridiculous. As a knowledgeable consumer, I think its terrible how they use all these stalling measures and act like I'm not who I say I am to avoid having to be held accountable to removing these errors ASAP from my reports. This is affecting my life unnecessarily.
Product: Debt collection

American Express contacted my father on XX/XX/2019. My father has nothing to do with my account and by contacting him is a violation of my privacy. 

Pursuant to my rights under federal debt collection laws, I am requesting that American Express cease and desist communication with my family and friends. American Express has my contact information and valid mailing address. I have received voicemails and statements from American Express.
Product: Credit card or prepaid card

refuses to close account because XXXX XXXX XXXX people and refuses to close unless paid off first. 

secondly, refuses ( never resolved ) to remove fraudulent charges and continues to slander my good name w inaccurate info. This stops today. inaccurate reporting will be stopped thru id theft services. I will sue to correct it. 

I have had no relations w XXXX XXXX since XXXX, when I moved to XXXX. They refused to reissue my card on the ACTIVE ACCOUNT and are lying to you and FDIC w six mos dated info, as is typical to avoid lawsuits. They repeatedly do this and sent you inaccurate info. 

spurious charges were doubled, never removed and when invoking fcra rights I am penalized further. If my rights truely exist then help me fight XXXX companies like this and keep them from dodging the law. My debt is disputed for the entire card line, as also marathon ( cant prove on video charges are mine ), and XXXX XXXX XXXX ( another extortion. XXXX lawer refused to help, but wont offer me another line unless paid off. sent me a notice claiming not collecting debt as declared bankrupt. ) These are ways to deny unlawfully good credit after people have illegal acts that violate other areas of thier lives.This is taking advantage of the consumer and extortion.I will not have any CRA files from anyone ( most of which are illegal resallers ) extort my good name w false and demeaning info which is not accurate. prove to me beyond a billing statement that I owe you anything ( aka never disputed ) or the debt is not owed and must be removed. Refusal to remove inaccurate data must be XXXX w a FEDERAL CIRCUIT COURT LAWSUIT. It is not up to the consumer to do this, nor are they able. Nice move, cfpb and FTC ...
Product: Debt collection

This is a debt to which I have no knowledge. The alleged debt was originally owned by another collection agency who XXXX the debt upon my dispute. It was removed from my credit file with both Transunion and Equifax. Apparently, First Federal Credit Control has purchased the XXXX debt and has now renewed the collection with the credit reporting agencies. 

I believe this act is illegal. The alleged debt was already disputed by me and XXXX by the former collection agency. A new collection agency should not be able to purchase a XXXX or already successfully disputed debt and then renew collection effort notice with reporting agencies as this could be an ongoing and never ending saga for the consumer. 

Once settled or successfully challenged, the debt should be non-reportable.
Product: Mortgage

Shellpoint Mortgage failed to pay my home insurance with XXXX XXXX  XXXX for XXXX and XXXX, despite my consistent mortgage payments, which include escrow fees. When I spoke with their agent, XXXX XXXX, she admitted she didnt know why the payment hadnt been made. She also mentioned that Shellpoint plans to make the XXXX payment with the escrow funds. However, due to their non-payment, my home insurance policy has now been canceled. 

XXXX, an agent from XXXX XXXX XXXXXXXX, informed me that they sent Shellpoint a non-payment notice on XX/XX/XXXX, but received no response. I followed up with Shellpoint today, XX/XX/XXXX, referencing the case number they provided last week. They had promised to call me back this week, but I have not received any follow-up. 

During todays call, I spoke with an agent named XXXX, who informed me that it takes Shellpoint 3060 days just to review a case. This is unacceptable. Shellpoints poor service, lack of communication, and negligence have resulted in the cancellation of my insurance. Their customer service logs need to be reviewed, and given their consistently negative reviews, I no longer wish to have my mortgage serviced by this company
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. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Bank acct # XXXX.
Product: Credit reporting or other personal consumer reports

Dear Reporting Agency, I am writing to formally demand the immediate removal of inaccurate and unauthorized personal information from my credit report. Specifically, the following information is incorrect and does not belong to me. 
Names 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 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 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  The inclusion of the aforementioned erroneous information in my credit report is a serious violation of my privacy rights. This unauthorized disclosure of my personal information could potentially lead to identity theft, fraud, and other harmful consequences.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX/NAVIENT Account Number : XXXX Date : XX/XX/2008 Amount : {$7400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

Recently, I was notified that my Equifax credit score dropped by 50 points. This was completely unexpected as the only new credit activity on my account is 1. ) I paid off an auto loan and 2. ) I was recently approved for a forbearance for my student loan. 

I called Equifax on the following dates to try and speak to an Equifax representative who I hoped would be able to tell me why my score suffered such a significant decrease. I made these calls on XX/XX/XXXX, XXXX and XXXX, XXXX at varying times of the day. Every time, after waiting inordinately long times on hold, I was connected to a representative who did not speak English well enough to answer my question. The only thing I was barely able to understand is that they said I would " have to speak to a credit specialist '' outside of the company to get an answer to my question of why my Equifax score dropped. This is absolutely absurd since it is Equifax who dropped my score and it is Equifax who creates that score in the first place. Not only this, but I was one of the 143 million Americans who was part of the Equifax hack, and I have not received a dime from these people. Their lack of customer service and lack of respect for the security of Americans ' private information is criminal. Equifax should be shut down. 

In my view, what would resolve this particular issue is that I want them to explain to me why my score dropped, that's it, plain and simple. That would resolve this particular dispute. Although in no way do I waive my right to pursue litigation against Equifax and/or its successors and assigns in connection with the XXXX hack, which again, I was part of. In addition, it should be criminal that their customer service representatives barely speak English. Credit is too important to be trusted to foreign nationals who have no business having access to the private credit information of Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2019 Place : XXXX checkout counter in XXXX XXXX, XXXX, CA The associate told us that if we sign up for store membership, we would get additional discount, but when he asked for my SSN to sign up, I asked him, if this is a credit card application. He replied Yes. So, I asked him that I would like to opt out. He said, he has pulled out the application and my credit is not affected. 
I checked my experian account and a credit inquiry had already been posted. 

Date : XX/XX/2019 XXXX AM PST I called Experian to dispute the enquiry and the redirected me to talk to MACYs only. 

Date : XX/XX/2019 XXXX AM PST I called XXXX asking them to withdraw the enquiry and the associate on call, told me that XXXX will not do anything to withdraw the enquiry. I even told them, if they can get the checkout associate on conference call, I can get a confirmation on the series of events to which they said, they won't do that either.Also, I asked them if there's an email Id in XXXX to which I can write for my grievance redressal, to which they said, " Only verbal confirmation can be provided ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Credit card or prepaid card

I attempted to dispute a charge with my credit card company ( Barclays ), where services were not rendered as expected. I was denied dispute rights. 

Summary : On XX/XX/2019, I made a purchase using my Barclays Arrival credit card. 

It was for {$320.00}, with a merchant called XXXX. XXXX   is a global hotel booking service, owned by the publicly traded XXXX ( XXXX ). 

Documents A, B, and C are the receipts for this transaction. My {$320.00} were to pay for a private suite in a XXXX hotel called XXXX XXXX. This suite was the hotel 's most expensive property. 

Upon arrival at the hotel on XX/XX/2019, I learned the hotel received only 60 % of my payment. The merchant, XXXX, which contracted to book a private XXXX for {$320.00}, booked the hotel 's cheapest property instead, a bunk-bed in an 8-person dorm room. 

Documents D and E were given to me by the XXXX XXXX hotel. They show the hotel received only 60 % of my {$320.00} ( XXXX Euros ) and attempted to get the remainder from merchant XXXX, to no avail. 

I contacted the customer service department of merchant XXXX, attempting a good faith resolution. I requested a full refund of the transaction amount. The merchant refused, making smaller and unsatisfactory offers. 

Documents F and G are emails from the merchant XXXX   admitting clear culpability, claiming a " booking error '' on their end. They never explained why they refused to give the hotel the balance of my money. That remaining balance is still missing to this day. 

Document H is my official charge dispute letter to BARCLAYS. I included all the above documentation in this initial complaint, and a follow-up one. 

Document I is Barclays official refusal to decline this charge, or pursue action against XXXX. This, despite my providing them with evidence of services not rendered as expected, and two culpability admissions by the merchant XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding [ Experian ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts : On [ XX/XX/XXXX ] Complaint # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided [ Experian ] with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Despite this, [ Experian ] failed to block the disputed items within the four business days required by FCRA 605B . Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. [ Experian ] 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings.

Legal Basis for Complaint : Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. [ Experian ] 's refusal to comply with this requirement constitutes a direct violation of federal law.

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : [ Experian ] failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

Precedent Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX Bank XXXX New York, XXXX XXXX XXXX. XXXX ( E.D.N.Y. XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

Summary of Noncompliance and Violations : [ Experian ] 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, [ Experian ] 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit card or prepaid card

I was lured to apply for new credit card from XXXX XXXX by Macys store representative ( XXXX XXXX XXXX XXXX ) She lied to me that I should upgrade my Macys card that I already have to get more money savings and after I added all my information I found out that she applied for new card and that I will keep my Macys card I was furious, she did this to get XXXX bonus may be but I didnt ask for new card. I report this to make sure customers never trust Macys store representatives with their information and. Macys store should keep descent business ethnics.
Product: Bank account or service

I have chase for a checking and amazon refunded me {$56.00} towards my checking account and chase failed to apply that {$56.00} towards the remaining balance and I gave them 48 hours to fix it they failed to meet the deadline my balance should be. {$85.00}
Product: Debt collection

I got a letter from a debt collection company called Portfolio Recovery Associates , LLC. It talks about a debt that I have no knowledge of. 
It is asking me to pay a certain amount to 'Get me out of this debt '. 
This is an outright scam
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of student loans,, US DEPT ED. all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 US DEPT ED : # XXXX # XXXX has violated my rights.

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

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.