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

In the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I continually disputed inaccurate information on my report the accounts listed in the next section. Experian continued to send me the EXACT same verified informationwithout the proof I desperately requested. I included my latest utility bill, social security card, and drivers license with each dispute. I requested information be blocked and removed from my report and it was continuously reinserted without proof of a proper investigation. The lack of professionalism and care Experian took with handling my disputes has left my credit damaged causing me mental emotional and financially stressed because they failed to do their job and I couldnt get approved for the credit I needed. I recently learned of the CFPB lawsuit against Experian and I hope I can find relief from my efforts of trying desperately to fix the errors and inaccurate information on my reports. I believe the lawsuit directly affected me because Experian improperly inserted information back in my credit report and refused to update information even though I sent proof of my government identification, they didnt properly investigate the information because if they did then it would be obvious that the information is not accurate and should be deleted because it didnt match what I sent in. Experian continued to send me confusing information asking me to verify my identity which causes me to believe they never read my letters because my identification was included in the letters. When I asked how the investigation was conducted they never responded to me they only said verified. I asked them for proof they never sent proof they only said verified I am extremely hurt by the lack of care Experian has taken with my personal information. I am glad they are being held accountable. They violated my rights and did not make sure this information was accurate, complete and belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Product: Checking or savings account

I sent a request to Key Bank about fees charged to my account for ATM withdraws that did not happen. A {$30.00} fee for an ATM fee is extremely excessive. 

KeyBank XXXX XXXX XXXX XXXX, XXXX  XXXX KeyBank XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : account # XXXX XXXX KeyBank, Please see attached documents showing the excessive junk fees you have charged me since opening my account. I would like a refund of {$81.00} into my account within one week of the date of this letter. There is no reason to charge a {$30.00} fee, or a {$15.00} fee or any fee over the {$3.00} atm fee. There is not any discloser in any documents given to me when I opened the account stating that you are going to charge {$30.00} for an ATM with drawl. I have not signed anything agreeing to these fees over {$3.00}. Federal law requires you to disclose these fees. 

I would like a refund of these fees, some of which do not even match up to ATM with drawls such as the XX/XX/year> charge for {$12.00} for an ATM fee. There has not been an ATM with drawl. 


Thank you for your attention in this matter. 

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

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX XXXX {$1700.00} XXXX XXXX {$8100.00}
Product: Checking or savings account

On Friday XX/XX/XXXX my debit card was used to make multiple unauthorized transactions for around {$500.00} each. I didn't notice it till the next day when I went in to check my account. My debit card went missing and chime wouldn't allow me to dispute the charges at first because the transactions were still pending. I was able to dispute the charges yesterday afternoon on XX/XX/XXXX and I'm still waiting on a response from them but they said it could take a full month before I hear anything in their automated response.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My official complaint is against Experian, XXXX and XXXX. 

I submitted in XXXX for inaccurate reporting to be removed as a result my company has suffered injurious financial harm. 

To avoid hefty attorney fees for a lawsuit which I will Win. IM CURRENTLY WAITING ON A recorded call where I absolutely 100 % understood of a WARNING I RECEIVED from an XXXX agent that made it SO CRYSTAL CLEAR TO ME upon getting on the Second chance program A LATE PAYMENT WILL STILL REPORT ON MY CREDIT UNTIL XXXX. I need to have the recording WHERE I 100 % AGREED TO THAT STATEMENT ... ... IT NEVER HAPPENED ... ..From my understanding I paid to get CURRENT, my credit restored because lates were put on the back of the loan. Which is the RIGHT THING FOR XXXX/XXXX TO DO IN A GLOBAL PANDEMIC. I disputed the late payment and made ON TIME PAYMENTS the loan itself was REMOVED OFF MY CREDIT AFTER MY DISPUTE IN XXXX. 
It mysteriously resurfaced XX/XX/2020 and XXXX/XXXX informed me they had nothing to do with its removal. So if Experian removed it. On what grounds did they remove it WITHOUT XXXX/XXXX  PERMISSION? 
PLEASE REVIEW ATTACHED DOCUMENTS OF THE INACCURATE PAYMENT AMOUNT which by LAW ALL REPORTING MUST BE ACCURATE WITHOUT COMPLETE ACCURACY the reporting must be REMOVED. XXXX CAN NOT PRODUCE AN ACCURATE {$98.00} PAYMENT STATEMENT SO WHY WAS THE REPORTING NOT REMOVED IN XXXX. This is INSANITY. MY COMPANY IS IN A {$10.00} XXXX DOLLAR RAISE. I PAID OFF XXXX AND I WANT THE NEGATIVE INACCURATE PAYMENT HISTORY REMOVED OR WHO AM I TO SUE EXPERIAN OR XXXX FOR {$100.00} XXXX DOLLARS? SHAME ON ALL COMPANIES FILING LATE REPORTING DURING THE 2020 PANDEMIC KARMA WILL GET YOU ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I filed disputes to all 3 credit bureaus. EXPERIAN, XXXX AND XXXX. I DID NOT RECEIVE ANY INVESTIGATION WITHIN 30 DAYS. I've sent letters no response and complaints. I beyond frustrated at this time.
Product: Credit card

Discover closed my credit card account, which was the oldest credit account on my credit report, without my knowledge or consent. They say that they notified me by sending one letter by mail with instructions to prevent closure in XX/XX/year>. I never received this letter, most likely due to me moving states from XXXX XXXX XXXX around this time. I didn't know this account was closed until I went to check if I could change the type of card I had. It was originally a student account, which I wasn't using because it didn't provide relevant rewards/cash back to me anymore now that I'm in a different stage of life, and I like to keep my total utilization low relative to my credit limits across all accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and the accounts that are showing on my report are fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with XXXX XXXX who was acquired by XXXX XXXX and the loan that I had with XXXX XXXX I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.
Product: Vehicle loan or lease

I had a vehicle loan with TD Auto back in XXXX. My vehicle was paid off around XXXX and I received the title for it. Unfortunately, it is now XXXX and I no longer have that title and am in the process of selling the vehicle. The XXXX has brought to my attention that there is a lien showing from TD Auto Finance which deters the DMV from providing me with a duplicate title. 
On XX/XX/XXXX, I made a call to customer service department and spoke with a gentleman ( He did not provide me with a name or employee id ) who assured me that a lien release or a letter of non-interest would be mailed out in 7-14 days. I called again approximately a week later to check the status and was told by another rep that the request was not put through and that she would put it through. I called back on Wednesday XX/XX/XXXX and spoke with XXXX XXXX ID XXXX who informed me that he saw no history of a request for the lien release but assured me that he would escalate the request to be processed within 3-5 days. I have called a total of three additional times and as of today the request supposedly shows that it has reached the title department and that the paperwork should be mailed by the end of this week. Naturally, I have no way of knowing whether this is true or if my lien release is ever going to be mailed at this point. It seems to me that each time I call I am getting nothing more than false information. I have spoken with two separate managers to no avail.
Product: Debt collection

I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.
Product: Credit card or prepaid card

I was just made aware of an unauthorized fees on my account since XXXX, I called Lowes Synchrony and was told to call XXXX XXXX. This is a formal request to dispute all charges from XXXX  from XXXX XXXX as I did not sign up for their services. Attached is a copy of the dispute form along with a detailed workbook requesting the return of {$10000.00} plus any associated interest and late fees on my account. XXXX XXXX could not provide any proof regarding these transactions. I received all copies of credit card statements yesterday, XXXX XXXX, and have performed a detailed audit. I did not ever agree to signing up for this " service '' from XXXX XXXX as my credit card was set up in store.
Product: Money transfer, virtual currency, or money service

I am writing in regards to concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The credit bureaus are in direct violation of 15 U.S. Code 1681. All 3 bureaus ( Experian, XXXX and XXXX ) have different and inaccurate information about a particular account. I have communicated to the creditor to have the information updated and there has been no changes.
Product: Credit card or prepaid card

I sent a billing error dispute through US Postal Certified mail on XX/XX/2021. The customer service team confirmed that they received my I have called several times for an update on this resolution and they have not sent any correspondence through the mail acknowledging that they are still working on this matter. It has now been 3 billing cycles ( 94 days ). I am now demanding that the late payments AMEX submitted to the CRAs be removed for the months of XXXX and XX/XX/2021 as AMEX went against their own terms and tried to collect on a disputed amount and reported negative activity to the CRAs. I am also demanding a lawful refund of all payments made toward the disputed amount in the total of {$3400.00} as AMEX received my dispute and chose to not respond to my dispute. Pursuant to federal law, CFR XXXX ( f ), AMEX did not resolve this dispute nor send an explanation or provide documentary evidence as requested in the debt validation letter sent on XX/XX/2021 as well. Therefore I am demanding the remedies set forth in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' Credit Guide regarding an account on my report which does not belong to me of {$470.00}. MCG confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. XXXX   continues to report the inaccurate information. I last disputed the account with XXXX on XX/XX/19 and received notice on XX/XX/19 that the account was verified. XXXX will not provide information of validity and I have not received documents for validation from Merchants ' Credit Guide.
Product: Checking or savings account

When I banked with Wells Fargo I was incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly Frozen. Also, I had opened up an account for my son which was supposed to be a no fee account. However they lost the account on my son. We were never able to retrieve any funds from that account. They were always charging fees that were not right and most of the fees charged to my account were the bank 's error.
Product: Credit reporting or other personal consumer reports

please remove these inquiries before I seek litigation for defamation of character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, LEXISNEXIS, is violating my consumer rights by : 5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681 ( 4 ) : Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation LexisNexis has violated my right of my privacy and has given false information about where they obtain their information from. They are furnishing my information with permission nor any written instructions, they also have never provided any disclosures or to opt-out of sharing my information with third-parties. The bankruptcy courts DO NOT REPORT bankruptcy to any credit reporting agencies or secondary bureaus. I have provided a letter from the courts stating that.

Also I have a letter from PACER that my name is state differently than the name LexisNexis has on file, again making the reporting inaccurate and a violation of my consumer rights and my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : false information sent to credit report My name is XXXX XXXX acct XXXX # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was XXXX for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : false information sent to credit report Mr. XXXX XXXX XXXX XXXX reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX USA not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied
Product: Student loan

Whether my employer qualifies for PSLF. The attached document refers to the prior SEVEN " 7 '' complaints that have not been resolved. This is not a duplicate and should not be dismissed. The last complaint was dismissed as a duplicate. PLEASE ADDRESS my detailed complaint.