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

To Whom It May Concern, I am filing this complaint against Experian regarding unauthorized and improper inquiries appearing on my credit report in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have identified multiple inquiries on my credit report that are not attached to any open accounts for which I provided written authorization, each one of which I believe is a violation under the law.

Under 15 U.S.C. 1681b ( f ), a credit reporting agency may only furnish a consumer report under specific permissible purposes, and any entity requesting my credit report must have my express written consent if not initiated by me. The presence of unauthorized inquiries on my credit file constitutes a violation of the FCRA, as I did not provide written consent for these inquiries.

Additionally, under 15 U.S.C. 1681n, any person or entity that willfully violates the FCRA is liable for actual damages or statutory damages of up to {$1000.00} per violation. I am requesting financial relief in the amount of {$1000.00} per unauthorized inquiry as restitution for the harm caused to my credit profile and financial standing.

I am formally requesting the CFPB to investigate Experians practices regarding the placement of inquiries and to take appropriate enforcement action. 
I appreciate the CFPBs assistance in addressing this matter and ensuring that Experian upholds its legal obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. Equifax has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Product: Debt collection

In accordance with the fair credit reporting Act United Collection Bureau XXXX XXXX has violated my constitutional rights. 


.According to article 15 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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Unauthorized Information Due to the most recent CFPB Lawsuit and Data Breach. I am writing to formally request the immediate removal of unauthorized information from my credit report. 
As you are aware, the CFPB has initiated legal actions against various credit bureaus for violations, including but not limited to : - The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

- The Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

- The Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45. 
The lawsuits highlight the credit bureaus ' failure to adequately protect consumer data, resulting in unauthorized access and breaches of sensitive personal information. As a result, numerous consumers, including myself, have been adversely affected. 
Given the serious nature of these legal violations and the impact on my credit report, I request the following : 1. Immediate removal of all unauthorized information and erroneous entries related to the data breaches.

2. A comprehensive review of my credit report to ensure no further unauthorized or incorrect data is present.

3. Written confirmation of the removal and correction of all disputed information. 
I expect prompt action on this matter as required under the FCRA, which mandates the correction or deletion of inaccurate, incomplete, or unverifiable information within 30 days of receipt of this dispute. 
Please consider this letter as a formal dispute and my intention to exercise my rights under federal law. I appreciate your immediate attention to this urgent matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has dropped my credit score XXXX points and there usage is the same, the card I have was just paid off and the negative mark on there needs to be removed due to fraudulence that was established already. I went from a XXXX to XXXX in XXXX  months making payments on t in e each month! This is inaccurate. It should be improving with paying off the card and it decreased. Im in the process of buying a home. This is unfair reporting..
Product: Credit reporting

I closed my account with XXXX on XX/XX/XXXX. I returned all equipment and the bill was prepaid for a month in advance of the closing date. XXXX said they would prorate the bill and send me the money instead they auto billed my credit card for {$160.00} on XX/XX/XXXX, taking charges for XX/XX/XXXX which was not right because the service was closed. I tried to straight out over phone could not resolve any thing with their foreign call center person in XXXX. In XX/XX/XXXX Disputed their {$160.00} Charge thru XXXX card. 
XXXX investigated and reversed the charges back to XXXX. Did n't hear any thing from XXXX or get any kind of Bill, thought it was done, heard nothing for over a year and they had my forward address and mail was being forwarded for over a year thru XXXX. In XX/XX/XXXX looking at my annual credit report I see a collection agency negative report for {$160.00}. Contacted the XXXX in XXXX XXXX about this. They said it was for non payment to XXXX For {$160.00} told them the story for the last year and this was the first I had heard about it and that XXXX never sent me a final bill. Asked both XXXX and XXXX to send me an itemized bill and tell me what the breakdown of the charges are for because I had paid ahead and returned all the equipment so {$160.00} was an overcharge and I said I would be glad to pay it if they would just tell me what I was paying all this extra money for. Neither company ever sent me an itemized bill and just stated I owed that amount. Then in XX/XX/XXXX I get another letter from a different collection agency called AFNI in XXXX XXXX. They send me a collection letter for the same XXXX debt that XXXX contacted me for {$160.00}. I explain the whole situation to them and tell them XXXX has already put it on my credit report. They ignore my explanation Do NOT send me and itemized bill and then as of XX/XX/XXXX they put another negative collection debt under their name for the same thing on my credit report for {$160.00}. 
I am complaining about these two debt collector 's and XXXX they all refused to acknowledge my request for an itemized bill. They put the same debt on my credit reports twice, six months apart just to further lower my credit score and make it look like I had two bad debts instead of just one. Are this Fair Practices? I 've contacted everyone in writing with explanations : XXXX Billing Complaint department refuses to respond and i know they got it because I certified it. XXXX and AFNI collection companies just keep telling me what its for and do n't do any investigation or answer any of my Questions. I sent them certified letters also. Is this practice fair and legal to me as a consumer just to have XXXX contact a different debt collection agency every six months send me letters for the same thing and keep putting it on my credit report to make it look like I have a whole mess of bad debts? They wo n't even break the bill down for me and tell me what this money is being paid for, their customer service is horrible and inept. Yes I am complaining about all 3 of these companies for unfair practices : XXXX XXXX and AFNI in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe my exhusband and his current wife are looking at my credit report to see my debt/student loans etc. The inquiries shown from transunion and XXXX  ( this may be my one credit card I have ) are showing every week they're looking at my credit report. The last time I looked at my credit report was in 2022 and put a XXXX XXXX  on it then because I was suspicious of my ex getting access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Capital One regarding my Lord and Taylor account and wrote letter to let them know there was an issue with my account. I explained to them I did not receive a statement or phone call to pay the bill of approx. {$30.00}. I asked how can I pay a bill that I never received and asked them to remove the 30 day late from my file. They reported {$95.00} being the balance and that was also incorrect. The late fees was waived. 
On XX/XX/XXXX I received letter from Capital One and they said based on the information I gave them, they are unable to change their reporting on a courtesy basis. They also included the Fair Credit Reporting Act requires Capital One to report the account history accurately. 
On XX/XX/XXXX, I wrote back to them that it was not a courtesy. I did not receive the statement so how can I pay if I didn't receive the statement. The payment was immediately paid once I received notice from XXXX XXXX my account was late. I paid when it was known to me. If I was not properly notified about a payment, this 30 day late should be removed and not held against me. 
On XX/XX/XXXX, I received the same standard letter they gave me on XX/XX/XXXX. Only thing that was changed was the date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the consumer and according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. I am the consumer I am the only that can validate a debt and that debt is not mine it is not true.15 usc 1681 a e states that you have to do interviews with my family associates and neighbors. Experian did not do that.
Product: Debt collection

After carefully going through my most recent credit report, I noticed several accounts that seem incorrect and were added without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from Transunion and it shows and different balance amount and ask I looked forward the dates were also changed about the last payment. The account listed on my credit reports are showing a payment was made and they are re-age the account and I want this account removed/deleted from all credit bureaus account immediately. XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Student loan

Hello, I had taken this loan in 2006. I was in dire straights to pay for college and took out this private loan. I initially borrowed {$5000.00} and besides the breaks from finishing my degrees and getting my XXXX, I have made timely payments. To date I have paid a total of {$9500.00} towards this loan and today I have a balance of {$4700.00}. 

I have reached out to the lender to discuss a settlement offer, which they denied. I believe there is some unfair interest practice associated with this Lender. The initial loan was borrowed from XXXX and now it is managed by XXXX. 

Please tell me there is something that can be done. I am very responsible with my debt and to date have paid off 2 student loans with 1 more to pay off by the end of the year. I also have Federal loan debt which is a burden all in itself. 

Any assistance that can be offered would be greatly appreciated.
Product: Credit card or prepaid card

I had planned on attending a graduation in XXXX on XX/XX/2022. XXXX XXXX stated they had to cancel my flight due to scheduling difficulties. I traveled on XX/XX/XXXX to XXXX. I had reserved a car with XXXX through XXXX and I requested a refund due to the situation. I called XXXX and XXXX with no help in sight. Then I filed a complaint with my own credit card Citi, proving them a letter from XXXX XXXX stating that they had cancelled my flight. Consequently, after going back and forth with Citi and speaking after speaking with XXXX today trying to explain but he stated they could not accommodate me and that if I did not have it in writing as to XXXX XXXX XXXX stating that I am entitled to a refund, CIti was not a part of this dispute. Consequently, since I do not own a plane it appears that the extra money I paid is justified and that I have no recourse even if my flight was cancelled by the airlines. Further, since I did not ask them for a refund that basically I have no recourse. It appears, Citi has sided with the vendor that they are not obligated in any way to refund me. 

I am hoping that you can find an amicable solution to this matter. 

Thank you. 

XXXX XXXX
Product: Credit card or prepaid card

My card info was stolen and I immediately blocked the card and asked the replacement. Now XXXX has given the info to charge the recurring payments for XXXX without my permission. I canceled the service already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out XX/XX/XXXX and they have lied to the CFPB and stated they responded and they never have. This is my second attempt reaching out. 

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX  XXXX XX/XX/XXXX, has violated myrights. 

XXXX XXXX XX/XX/XXXX, has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXX XXXX XXXX XXXX, has violated myrights. 

XXXX XXXX XXXX, has violated myrights. 


15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make 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 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.
Product: Credit card or prepaid card

Apply for Capital One quicksilver one for rebuilding credit. I was approved. Then waited to get card and all.Even a nice guy help threw the application thing. Then waited for card and never came. I wrote them and called them telling i was approved ands waiting on card.For $ XXXXlimit. Yet they said it was mistake.Person was rude
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 has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 ( XXXX ) 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, credit repair services, or other personal consumer reports

Companies Involved : Transunion XXXX Dispute : " XXXXXXXX XXXX XXXX '' : {$170.00} balance While XXXX has removed this collection notice, XXXX and Transunion services have not. Additional disputes have been unsatisfactory as both online and telephone services are non-functional. 

This collection needs to be removed as I moved out of XXXX in early 2021, after having just graduated ( spring ). This was immediate, as in significantly earlier than my lease end date, thus ending energy usage prematurely ( close account requests ). Bills are dated for much later ( summer/fall ), with fees, that XXXX has already stated does not exist under their agreement with Ohio lawmakers XXXX 

Originally I was going to submit a small claims against " XXXXXXXX XXXX XXXX '' but I can not ( temporarily ) at this current time due to the realization that they don't have a registered agent or conduct business in my home state ( New Jersey ). As recommended I will however consider this CFPB complaint as the two separate arbitration proceedings against XXXX and Transunion. After an appropriate amount of time, I will file a claim at my local courthouse.
Product: Debt collection

Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.
Product: Credit card or prepaid card

Using my Bank of America Visa Card, on XX/XX/XXXX I purchased an advertised US Size XXXX dress on XXXX for {$120.00} for a wedding I was attending on XX/XX/XXXX. I have worn a US Size XXXX dress for many years now. Upon receiving the dress from a XXXX manufacturer by XXXX on or about XX/XX/XXXX I found that the dress did not fit. Since my computer is not sending or receiving emails at this time I had a friend, XXXX XXXX, contact XXXX on XX/XX/XXXX stating that the dress didn't fit and asking to return the unworn dress for a full refund of {$120.00}. On XX/XX/XXXX XXXX confirmed that they hadn't or wouldn't release my {$120.00} payment to the XXXX manufacturer until the matter was resolved. In the meantime the XXXX manufacturer wrote XXXX XXXX on XX/XX/XXXX to say that they couldn't provide me with a refund because the dress had been worn -- which is NOT true. Apparently XXXX  had also paid the manufacturer despite telling me otherwise. 

After weeks of emailing back and forth without any resolve, I escalated the matter to Bank of America 's Visa Credit Card Department in mid-XXXX  by explaining everything as noted above. They said the charge would be put on hold and that I wouldn't be responsible for the charge unless they found out something different during B of A 's investigation. I saw that the {$120.00} charge had been removed from my credit card statement. Then, to my surprise, on XX/XX/XXXX at XXXX XXXX ( the time that my mail is delivered by the US Post Office to my mailbox ), I received a letter from the bank stating that a detailed, written response must now be received by the B of A office in XXXX XXXX, Texas by XX/XX/XXXX or the {$120.00} charge would be returned to my statement. Such an unreasonable demand by the bank would have given me less than 30 minutes to research, write and post a written response to the XXXX XXXX office. 
When I called Bank of America 's Customer Service Department they reiterated there was NOTHING that could now be done because their unreasonable deadline had passed. The Customer Service Agent went on to say that the bank is not responsible for " buyer remorse ''. 

In conclusion, XXXX DID NOT honor their Customer Satisfaction '' guarantee ; the XXXX dress manufacturer DID NOT create a US Size XXXX dress ( while mysteriously determining from 12,000 miles away that I wore their dress -- which I didn't ) ; and Bank of America DID NOT give me any time in which to respond to their demand letter received on XX/XX/XXXX. I have 13 written correspondences that substantiate everything written herein. All I am seeking is a refund of {$120.00} for a dress that didn't fit. I will be happy to return the dress to the XXXX manufacturer despite their unwillingness to give me a return address.
Product: Student loan

I need guidance from Department of Education on the separation process for my spousal consolidation loan. I intend to separate the loans but I do not have any guidance on how to make it happen
Product: Debt collection

Starting on XX/XX/XXXX, I've been receiving daily calls from the caller ID " Portfolio Rcvry '' ( a.k.a. Portfolio Recovery Associates ). The phone numbers and cities associated to Portfolio Rcvry are always different every time they've called me, I've never received a validation notice in the mail, and I can verify that my credit report and score do not show any owed debt -- this leads me to believe that this is a scam, and as a result, I've never picked up the phone when they've called. 

However for the first time, one of their employees who claimed their name is " XXXX XXXX '' left a voicemail message on XX/XX/XXXX at XXXX XXXX  PST saying the following : " Good afternoon, this is XXXX XXXX, and I have an important message from XXXX XXXX XXXX . ' This is a call from a debt collector. Please call XXXX. '' I would like for this company to stop calling me as it's harassment and I have no owed debt.