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

On XX/XX/2020 I sent a letter to all three credit bureau 's asking them to send me a letter of " Method of Verification '' as to how they obtained information about a bankruptcy on my credit report. In that letter, which I sent certified to each, I enclosed a copy of my DL, SS card, CCW license, and a copy of my lease. More than sufficient to identify me. None of them responded so I sent another letter with a copy of the first letter and my identifiers enclosed again on XX/XX/2020 asking if they would please respond. Still nothing from any of them. Then I called XXXX  which was the only one I could get a human on the phone to talk to and I got a supervisor named XXXX. XXXX proceeded to tell me that even though they didn't respond in the 30 days per the Fair Credit Reporting Act, he wasn't removing anything from my file because the letter I submitted from the Bankruptcy Court stating they do not report to the credit bureaus - he would not accept because it didn't have my case number and the seal from the court. Clearly continuing to violate my rights under the Fair Credit Act saying that they are required to remove it from my credit report because they failed to respond in the 30 days. I then submitted a 3rd letter from the court with my case number and the seal on said letter plus all other additional letters and ID 's previously mentioned, again certified to all 3 credit reporting agencies on XX/XX/2020 demanding them to remove the bankruptcy from my credit report ASAP. I have still not heard anything! I am now in touch with an attorney to help me take them to court to have the bankruptcy removed. This is ridiculous. They have not responded in over 70 days to anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my XXXX report a " hard inquiry '' posted by XXXX XXXX  XXXX XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to XXXX and Experian about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data
Product: Student loan

navient has inflated the student loans taken, they have XXXX different accounts under XXXX names the primary borrower and the co signer with duplicate loans under each, they refuse to fix the issue, stating there is only the XXXX set of loans. in the past when payment was a struggle they suggested forebearance instead of other options, they have a high monthly payment plan that is beyond borrower ability and constantly harassing not only the borrower but all surrounding family members and employers with a barrage of phone calls and emails. school attended was XXXX in XXXX az
Product: Credit reporting or other personal consumer reports

Experian will not update my credit file with showing my student loan balance is paid off due to student loan forgiveness. 

XXXX XXXX reporting a foreclosure as of this year 2024 on a time share that is over 12 years old since they received the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit with Equifax on XX/XX/17, but today when I went to unfreeze it, I had to jump through many hoops, only to find out it was NOT FROZEN. I asked why, what happened, who did this and the guy with really bad English had no clue. What is going on with Equifax? How can they unfreeze my account without my permission and the PIN number? What other shady things are going on? Please investigate this and hold them responsible. I can't be the only person they are doing this to - this is outrageous! 

I am attaching the original pdf they sent me with the notice of my credit being frozen and the PIN number.
Product: Vehicle loan or lease

This is part of a class action lawsuit and loan forgiveness, suppose to remove from credit profile for subprime lending.
Product: Vehicle loan or lease

Upon calling Dbs Financial I have been ignored by the company telling me they do not provide a 1099 and and refusing to talk to me, the phone has not answered in a week and Im just now getting to them,
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Checking or savings account

I went to the bank on a Sunday in XXXX to deposit my mortgage payment, my Husband had giving me {$900.00} to deposit. The atm accepted some of the money and kept rejecting some of it, so I kept trying straighten the money out and put it back in, finally I hit cancel, but the money did not come back out and it printed out a paper with a bar code on it, that is not what I'm use to getting after a deposit. It wasn't a receipt like I'm not use to getting, so I put my debit card back in to check the balance to make sure it credited me for the money. The receipt did not reflect the money that didn't come out. right away I called the number on the ATM and filed a case, I also went to the bank the next day and they told me they wasn't responsible for the ATM machine and I needed to contact them. After about 3 or 4 weeks, they issue me a credit for {$750.00}, now here we go a month later, they reverse the {$750.00} causing my car payment and mortgage payment to be rejected. When I called the ATM to find out why did they do that, I was told because I didn't have any transaction that day. I was 100 % at that bank, even if it didn't register my deposit, I checked my balance after the first transaction. I was at the bank that day and I made a deposit and I want my money back. Bank of America, XXXX XXXX, XXXX, NJ. Account # XXXX, routing # XXXX, this bank has my bill in shamble and they are charging me {$35.00} each day for NSF, I had the money in the bank, they reverse the charges and this should have never happen! Please somebody help! I can't let them get a way with this, I know they have the extra money and it is mine. I lost track of the real amount because it kept spitting some of the XXXX $ bills out, I'm sure it was more than {$750.00}, but i just went on the low end. Please help me recover my money, I can not afford to just walk away from that, my mortgage has been rejected and my car payment. Can you have the bank to do a CPR, so that it will show I was at the bank that day and I did do a transaction. I have filed another case.
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 investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The company closed my account for unknown reasons and before they continued to charge me overdrafting fees
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN Information Solutions , Inc. ( hereinafter referred to as " EXPERIAN '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to EXPERIAN requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXXXXXX XXXX XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$230.00}. The FCRA mandates that the credit bureau, in this case, EXPERIAN must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity.

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate.

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I opened a Chase Amazon Visa credit card ( " cc '' ). I received a hard card, however, Amazon also posts the cc and its information online, specifically, on my Amazon online account. I have used this card a few times and have paid on my cc each month. The issue that I am having is the constant fraudulent charges against my cc. I have received many, MANY notifications from the cc company asking if I made so and so purchase and 99 % of the time I have not and as a result, the cc company will shut down my credit card and send me a new cc. Unfortunately, the cc company will also post to my online Amazon account my new cc information where it is used fraudulently. It's this continual circle of fraudulent charges, shut down my cc, issue a new one, post it to my online Amazon account, issue me a new card, and before I have a chance to actually receive the new cc, it is being used fraudulently. I have asked the cc company to block my cc/not post it to my online Amazon account , however, I am told that can not be done so I am left with the headache of the perpetual fraudulent charges, issue the new cc, and can't use my cc because it's constantly being shut down. As you can guess, this issue makes it difficult to not only distinguish what exactly are my own charges vs fraudulent charges, however, I am left to make monthly payments and accrue interest on charges that are not mine.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX and XXXX of XXXX I reached out to Experian to try to get them to correct incorrect information listed on my report. I have all kinds of incorrect personal information including names, addresses, and phone numbers. There are also accounts on there that don't belong to me. Experian did not update my reports. They failed to correct even the personal information that i told them was wrong. 

According to XXXX XXXX XXXX XXXX, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. These inaccurate accounts and information violate these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

I have suffered a tremendous amount of stress, anguish, and humiliation as a result of Experian 's negligence and have been denied access to opportunities that would better myself and my family as a direct result of Experian 's willful disregard for consumer law and the protection of my privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain accounts on my credit report, as their presence is unauthorized and in violation of consumer protection laws. I expect your immediate attention and resolution of this matter to ensure the accuracy and fairness of my credit history. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting information on my credit report that I did not give any written authorization to. Congress made it clear that consumer reporting agencies like Experian ASSUME vital roles in assembling and evaluating consumer credit and other information on consumers Pursuant to 15 USC 1681 ( 3 ). I have been violated by the lack of privacy and how Experian has not made it its grave duty of responsibility, fairness and respect to the consumer right of privacy. The following account XXXX XXXX is being reported without my written authorization. I've demanded that this account be removed as it's a violation of my private information & Experian failed to remove it. Experian stated the account is verified, which I then via USPS mailed Experian a Method of Verification Letter to provide validity of the account. Which they failed to do so.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - 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 to be mailed the WRITTEN proof of all above disclosures required by Federal Law.

I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies TO BE MAILED TO ME IN WRITING!

If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.
Product: Checking or savings account

I have personal and business account with Truist bank I went in to make XXXX wires after using my account actively deposits, wires, XXXX etc and at on one day at the XXXX XXXX XXXX fl branch I sent out XXXX wires to my title company for purchase of XXXX parcels of land one for XXXX and another for XXXX with XXXX in the account my account was then put under a freeze for identification purposes so I then proceeded to provide all my identification documents such as my Florida ID, social security card, original birth certificate, credit and debit cards from major banks and its been almost 30 days with no response from the company on this matter and my funds are just locked in the account my livelihood has been compromised in this time and I need a solution on this matter immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

When Credit bureau they try to verify identity, They ask questions about a Mortgage or car loan or line of credit in XX/XX/XXXX that I have no idea about. 

So they cant verify my ident and we can not proceed, Also with my bank when they try to verify Ident they ask some questions about a loan and there is no loan or amount.