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

It is the purpose of the FCRA to require that Consumer Reporting Agencies Experian to adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
This statement is an excerpt directly from the FCRA. However, Experian employs unreasonable procedures in which Experian has lied and avoided conducting legal investigations to validate the information reported on my consumer report. Constantly reporting any items that are sold to your agency without proper validation of the debt or proof of ever conducting a lawful investigation pursuant to 15 USC 1681a ( e ) is a violation. 15 USC 1681a ( e ) states that an investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIEND, OR ASSOCIATES of the CONSUMER REPORTED ON or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian failed to conduct a lawful investigation pursuant to the FCRA by conducting the personal interviews necessary for validating debt. I requested once again valid proof of your investigative results, over 30 days ago and have yet to receive a response from your General Counsel. I suspect that no verifiable investigation has ever been conducted. Not only did Experian state they conducted an investigation using reasonable procedures they also deleted the disputed accounts ( XXXX Dept of Education Accounts ) then reinserted them months later and never provided the Consumer any proper notice or explanation of the investigation with documentary evidence of the investigation and its results, as requested by the Consumer. Experian also continues to share consumers information and Consumer report to non affiliate companies, with no permissible purpose and no written permission from the Consumer. Consumer opted out of promotional use of its Consumer report. Consumer has documented Experian sharing her information to over 31 non authorized or affiliates companies. This is a direct violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

There are 28 credit inquiries that I have no knowledge of showing up on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Opened Marcus Savings Account XX/XX/year>. 
Transferred funds XX/XX/XXXX and account showed funds were cleared XX/XX/XXXX. 
XX/XX/XXXX made a transfer request of {$3000.00} to an external checking account and transfer was successful. 
XX/XX/XXXX made a transfer request of {$5000.00} to the same external checking account. 
XX/XX/XXXX received phone call from Marcus Bank Representative stating the transfer of {$5000.00} could not be completed. When I inquired the reason it was stated because the account was just opened the funds would be held for an indefinite period of time. They stated it was on page 7 of the DDA, but when I asked them to read it to me, it was not clearly stated. But they informed me if I transferred it back to the original account that funded my Marcus Savings account that would be possible. I stated that made no sense that I could transfer to one account but not another. I asked to speak to a supervisor. Supervisor told me because it was a high-yield savings account funds should be kept long-term. I asked why I was able to make the first transfer without any issues and she stated because the computer did not catch it. Then she asked multiple times what I thought would happen if I was transferred to a supervisor when it was already explained to me that the supervisor would not be able to do anything. A completely irrelevant and rude question. 
MARCUS BANK FAILED TO PROVIDE IN WRITING WHY MY TRANSFER COULD NOT BE DONE AND REFUSED TO GIVE ME A DATE WHEN MY FUNDS WOULD BE ABLE TO BE TRANSFERRED. THEY ARE ESSENTIALLY HOLDING MY FUNDS HOSTAGE WHICH I AM CERTAIN IS NOT LEGAL. THEY MARKETED THEIR SAVINGS ACCOUNT AS IF WITHDRAWALS/TRANSFERS COULD BE MADE AT ANY TIME BUT DID NOT DISCLOSE THAT THEY CAN HOLD ONTO MY FUNDS FOR HOWEVER LONG THEY WANTED WITHOUT LEGITIMATE REASON.
Product: Credit card

I have contacted XXXX and they are denying any charges or flights under my name in XXXX or XXXX of 2023.
Product: Debt collection

This company deleted the item from my credit report twice and did not verify the " debt. '' They re-reported it without ever sending me a written notification..
Product: Credit reporting or other personal consumer reports

I want all the accounts I disputed off my credit file, it is not accurate.
Product: Vehicle loan or lease

I financed a XX/XX/XXXXXXXX XXXX  through XXXX XXXX in XXXX Alabama. After around XXXX  years of struggling to make payments, they repossessed the vehicle and sent in a bill for {$9000.00}. According to HJR 192, no debt can be paid and all debts must be properly discharged. I also know UCCC3.301 ( 1 ). 
I claim a notice of dishonor on XXXX XXXX XXXX and Fifth Third Bank UCC 3-503.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$64.00}, {$380.00} & {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... No contracts existaccounts were settled with original creditor, insurance provider has confirmed, and ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute some inaccuracies on my credit report. The following items appear to be incorrect and are negatively affecting my credit score : Account Name : XXXX Account Number : XXXX Reason : This account is wrongly reported as charged off with an outstanding balance, and it's causing me a lot of stress. Please provide proof of the charge-off and update the balance to {$0.00} or remove the negative status entirely. I don't agree with your investigation results and kindly ask for the evidence or for this negative information to be deleted. This situation is really affecting me. 

Account XXXX : XXXX Account XXXX : XXXX Reason : The current payment status of 60 days past due is incorrect, as the balance on this account is {$0.00}. I dont agree with the results of your investigation, and its causing me a lot of distress. Please send me the proof of your investigation and evidence of the negative payment status for this account or kindly remove the negative information. This situation is really affecting me, and I desperately need it to be resolved. 

Account XXXX : XXXX Account XXXX : XXXX Reason : I dispute the missed and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I dont agree with the results of your investigation, and this is causing me a lot of stress. Please send proof of your investigation and the negative payment status or remove the negative information. This situation is deeply troubling for me. 
Account Name : XXXX XXXX Account Number : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

Account XXXX : XXXX Account XXXX : XXXX Reason : Ive never had a contract with this debt collector, and it's causing me a lot of stress. Please provide proof from the original creditor that they own the debt and have the right to collect it or remove this account. I dont agree with your investigation results, and this is really affecting me. Please send proof or delete the account. 

INQUIRIES : 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 XXXXXX/XX/XXXX These items are either reported incorrectly or have already been addressed, and I ask that they be carefully reviewed and corrected. I have reached out to both the credit reporting agency and the data furnisher, but the issue has not yet been resolved. Attached are supporting documents, including screenshots of my credit report, which highlight the inaccuracies and back up my claim. I kindly request that this matter be investigated as soon as possible, and that my credit report be updated to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by XXXX, XXXX, and Trans Union. The 3 credit bureaus XXXX XXXX and Transunion have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to Trans Union. 

Account Name : XXXX Acct # XXXX
Product: Credit reporting

I can not get my free annualcreditreport even though I send in the correct information. I have been denied. I tried by phone and the response to my information recorded was unlegible I could not understand the recording I had made and I was not able to get an agent or operator on the call. I Went online and was denied my annualcreditreport and I am seeking information on how I can get this report from all XXXX credit reporting company 's. By the free annualcreditreport.com which I believed to be associated with the United States Government under Federal Government approval.
Product: Student loan

I never consented to having my federal student loans be put on hold due to COVID through the company Navient. I received the National Emergency Forbearance automatically, with my last payment being on XX/XX/2019, something that I never agreed to or opted into. Prior to this I was paying {$490.00} automatically every month, {$100.00} more than the minimum monthly asking price. I'm looking at my statements now, as I'm trying to get a home loan, and notice that for the past 17 months I haven't had those withdrawals taken out. This is absolutely crippling to my future. The audacity that anyone has to stop someone's payments without their written consent is infuriating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Blocking Information Resulting from Identity Theft - FCRA 605B Dear Sir/Madam, I am writing to formally request the blocking of certain information from my credit report under the provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ) due to suspected identity theft. As per the Fair Credit Reporting Act, I am entitled to request the removal of fraudulent information within 4 business days after providing the necessary documentation. Below is the information required for the blocking request : ( a ) Blocking Information As part of my request, I have enclosed the following required documentation : Proof of my identity ( such as a copy of my government-issued ID ). 
A copy of the identity theft report filed with the relevant authorities. 
Identification of the information I believe is fraudulent, along with the details of the specific transactions in question. 
A statement confirming that the disputed information is not related to any transactions I have authorized. 
( b ) Notification to Furnishers Once the block is processed, I understand that the consumer reporting agency will notify the furnisher of the information that : The information may be the result of identity theft.

An identity theft report has been filed.

A block has been requested.

The effective dates of the block.

( c ) Declining or Rescinding a Block In accordance with the law, I am aware that a consumer reporting agency may decline or reverse the block if : The information was blocked by mistake or the request was submitted in error. 
A false statement was made in the request. 
The consumer benefited from the fraudulent transaction ( e.g., received goods, services, or money as a result of identity theft ). 
If the block is declined or rescinded, I expect to be promptly notified as outlined under Section 1681i ( a ) ( 5 ) ( B ), similar to notifications regarding the reinsertion of information in my file. 
( d ) Exceptions for Resellers If applicable, I acknowledge that a reseller of consumer report data is not required to block information if they do not currently furnish or resell the disputed information. In such cases, the reseller must notify me with details of the information source. 
( e ) Exceptions for Check Services Companies I understand that check services companies are exempt from these provisions. However, they are required to refrain from reporting identity theft-related information within 4 business days of receiving the necessary documents.

( f ) Access by Law Enforcement I also understand that this request does not prevent law enforcement from accessing blocked information as required by law. 
Please let me know if you need any additional information or documents to proceed with this request. I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX
Product: Payday loan, title loan, or personal loan

I would like an advance through XXXX, but I cant link my PNC account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from Experian and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.
Product: Credit reporting or other personal consumer reports

My Transunion report is showing numerous inaccuracies and they claim they are unable to locate my file. I have sent them all identifying documents they requested and they have not conducted an investigation. I have not received result of any kind or any communication from them in the past 60 days. They must located my report and delete the incorrect invalid information immediately.
Product: Credit reporting or other personal consumer reports

There is a debt in collection in my credit report that does not seem to be verified by the collection agency reporting it they also provided me with a fake number that does not go to the collections agency i am so scared that I have been a victim of a scam please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submiting dispute letters to the Credit Bureaus to update and correct the information being reported on my Credit Report. I have been awaintg for their reply and yet they have sent me nothing! I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, # XXXX, and # XXXX, and I'm including it again. 

1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Checking or savings account

On XX/XX/XXXX I logged into my account and saw that someone took out {$800.00} from my Chase bank account. Once, I noticed that someone had taken {$800.00} dollars from my account I immediately locked my account and called Chase. I've been dealing with Chase for almost a couple of weeks for them to give me my money back, but Chase doesn't want to give me my money back. Chase claims that I took out the money but I did not even receive a text or an alert when someone took out the money from my bank account. I've been asking Chase to review the camera footage and see who took it but they don't want to. I need something done because it is unfair that Chase doesn't want to give me back my money after someone stole my card and took out the money from my account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against Equifax Violations of 15 U.S. Code 1681n for Civil liability for willful noncompliance, 6801. Protection of nonpublic personal information, 15 U.S. Code 1681- Congressional findings and statement of purpose. The banking system is dependent upon fair and accurate credit reporting ; Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding their refusal to assist in removing inaccurate information from my credit file that can not be verified. 

Despite my repeated attempts to resolve this matter directly with Equifax, they have willfully failed to comply with the requirements set forth under the Fair Credit Reporting Act ( 15 USC 1681n ). This violation of my consumer rights is causing significant distress and potential harm to my credit standing.

Under 15 USC 1681n, any consumer reporting agency that willfully fails to comply with the requirements of this subchapter is liable for damages, which may include {$1000.00} per violation, actual damages sustained, punitive damages as the court may allow, and costs of action including reasonable attorney fees for any successful action to enforce this liability.Its established the need for written consent or documentation from the consumer before a financial institution can pull the individuals credit report. 

I am prepared to pursue legal action against Equifax for these violations and seek the appropriate damages. I kindly request that your office investigate this matter and provide assistance in ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

Company is trying to collect on a debt that is over XXXX years old. IN CALIFORNIA, THE PERIOD TO COLLECT ON A DEBT IS 4 YEARS. I AM XXXX YEARS OLD AND ON A FIXED BUDGET