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

Experian has failed to fulfill its legal obligations under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of the information on my credit report, leaving inaccurate or verifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against Experian, alleging systemic Issues such as failing to forward consumer provided evidence to furniture, accepting unreliable responses, in failing to adequately Notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. reinserting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Revisit of an earlier complaint not fully resolved. 

My mother, XXXX XXXX 's account at B of A # XXXX, apparently had a " fraud alert '' dated back to XXXX of 2020 on this account. This occurred when she thought someone had stolen check book XXXX she was suffering from early XXXX ). I just found out that when I presented my Power of Attorney about 6 weeks ago this is what was " blocking '' me from having access. 

Today I finally got it resolved by presenting her death certificate showing she passed on XX/XX/2020. 

Question : Why did she need to DIE before BofA would work with me to clear up the fraud alert? What if we had needed these funds for her care and/or funeral expenses?
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I ordered a purse online from Kohls. It was taking a long time to get to me and appeared to be held up by USPS. I contacted Kohls and asked if I could cancel the order. They said " no '' but that I could refuse the package when it arrived ro return to sender. I was not at home when it arrived so I did a return to sender. This can easily be verified by looking at the tracking. 
I started checking my account for refund progress. When the refund wasn't showing up, I started contacting customer service via their contact XXXX feature. I spoke with several reps over the next 2 months who all assured me that they could see where I returned the purse and that my card should be refunded in XXXX days. It took 2 MONTHS! They finally refunded my card. but because it too so long, I got a late fee added to my card. How can I get a late fee added for a return???? I started contacting customer service again. It took a month to get the late fee removed. 

So they removed the late fee in XXXX but turned me into the credit agencies, causing my score to drop almost XXXX points, going from excellent to good. This is unacceptable. It was a RETURNED item. How can there be a late fee on an item I returned almost as soon as I received it???? There was nothing else charged to the card. That returned item should have been refunded back to my card in a timely manner. Kohl 's did not do that, causing a late fee. 

I disputed it, and Kohls denied any wrongdoing. The only conclusion I can come up with is they didn't bother to look into it, because it is obvious, I am not at fault here. Please fix this ASAP. I have had excellent credit for years and I don't want to have to hire a lawyer to get that back. It shouldn't come to that.
Product: Credit card or prepaid card

On XX/XX/2021 I tried to pay off and close my credit card with BB & T / TRUIST. Their website would not allow for pay off. After being on hold for approximately 1.5 hours, the best answer we could get was, " wait a day and see if your account was charged ''. This is unacceptable. 

XX/XX/2021 Payment did not go through, called in to BB & T / TRUIST again and was told that they could not accept a payment of more than {$5000.00} over the phone. When asked to speak with a manager or supervisor, I was hung up on by XXXX and another individual by the name of XXXX who both work in the credit card call center at XXXX This is horrible customer service and quite frankly feels as if they are making it hard for me to pay off and close my line of credit with their financial institution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Credit reporting

Following are the relevant facts : 1. I am a member of Trans Union credit bureau, on a monthly fee basis, so that I can check my credit score and credit report. 
2. Trans Union reports my XXXX XXXX account ( A/C # XXXX ) as delinquent, 30-day late. I consider it incorrect, since my account was paid off in XXXX XXXX and it was closed with a XXXX balance. 
( HOW CAN I BE DELINQUENT ON AN ACCOUNT, WHICH WAS FULLY PAID OFF, WITH A XXXX BALANCE, MORE THAN SIX YEARS AGO AND ON WHICH I OWE NOTHING? ) 3. Trans Union 's reasoning is that they report it 30-day late, delinquent, since the creditor, XXXX XXXX, reports it as such. They claim that they are unable to change the reporting made by the creditor. 
4. XXXX informs me that the account is reported as 30-day late, since it was LATE in XXXX XXXX. They will not take any action on it since it is a closed account and they do not take any action on the closed accounts. 
5. Upon my request, XXXX XXXX has sent me two letters : ( 1 ) One showing the payment history, on my account, closed in XXXX XXXX, showing the " LATE '' payment before the account was closed. 
( 2 ) A letter showing : the dates when the account was opened, XXXX/XXXX/XXXX, when the last payment was made, XXXX/XXXX/XXXX and the current balance, {$0.00}. 
6. Trans Union and XXXX XXXX both understand that I owe nothing to XXXX, after the account was paid off in XXXX XXXX. 
7. My dilemma is that I owe nothing, yet I am reported " delinquent '', for an account that was fully paid off, with a XXXX balance, more than six year ago. Trans Union and XXXX XXXX are both locked in their own bureaucracies and will do nothing about it, while my credit suffers, as being INCORRECTLY reported : " DELINQUENT ''. 

I DEFINITELY NEED HELP, BECAUSE NEITHER ONE OF THESE XXXX BUREAUCRACIES WILL TAKE ANY ACTION, TO DO IT RIGHT BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my personal and financial information was exposed in a data breach. I am not responsible for the disputed accounts nor did I benefit from the accounts in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX ACCOUNT- XXXX, has violated my rights. 

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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

on XXXX XXXX i called to inform them that things that were removed had been placed back on my credit report they said they would fix it and it is still not fixed this is for my transunion account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a reply from you stay in that my verification on my credit report was frivolous. I assure you that in no way do I consider a matter of such importance to me as frivolous or a relevant. In fact they did not honor my original request to verify in remove the 44 inquiries all my credit report that are unknown to me. I will list below all of the hard inquires any of them that I do not hold an account with and that are over 30 days old and that are duplicates I am asking for them to be removed. It is inaccurate and it is incomplete and it is a very serious error that you are reporting, and its effecting my credit. The following information therefore needs to be reinvestigated I respectfully request to be provided proof a di alleged investigation and I have these items listed deleted from my report as soon as possible UNKNOWN INFORMATION NEVER DID BUSINESS WITH THEM XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXX/XX/XXXX XXXX XXXX, TX XXXXXX/XX/XXXXVISA XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXXOH XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX TRANSUNION CONSUMER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX VISA TRANSACTION SERVICES XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXXXX/XX/XXXX XXXX XXXX HIGHWAY XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAPITAL XXXX XXXX CAPITAL XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is constantly calling me. I have records of the back to back, constant calling from them. I have asked them previously to stop the constant harassment but they continue to do so. They start these constant phone calls with a day or so past due and continue to call constantly ALL DAY until you make a payment. I have phone records to show this and it is not an isolated, one time thing. This happens all the time. Just today XX/XX/2021 I have received 5 phone calls from them starting at XXXX ( it is now XXXX EST ). They also email you as well. This is harassment!
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found two fraudulent accounts that were opened, these accounts are XXXX with the account number XXXX opened on XX/XX/year> and XXXX XXXX with the account number XXXX opened on XX/XX/year>, please remove them from my credit report, as they are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate i can go on and on how credit bureaus have no respect for the Law someone need to hold them accountable
Product: Debt collection

I started getting garnishment for a debt from 7 years ago that I would not remember anything about, I wish these debt lawyers would try to contact costumers before just out of the blue start garnishment especially if its a debt you dont even know you owe. I dont see it on my credit report so how would someone know. Now there garnishment with interest so now Im paying triple the amount, this should be illegal and not to mention its a pandemic so its a struggle right now just to eat. Talk about taking advantage during this pandemic that shows a lot about this company!! Shame on them
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It waldo states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for purpose. 

CFPB COMPLAINT
Product: Debt collection

XXXX decided to file a judgment to garnish all of my money at Bank Of America, due to this unlawful garnishment of my unemployment benefits, 401k indirect rollover leaving me XXXX available funds. I am having a difficult time trying to feed my kids, paying for gas, and keeping the utilities on due to having absolutely no money to even pay for water. Despite my several attempts in XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  to remedy this, the previous law firm continued to transfer me to different reps and even provided an invalid number. Then mention that they no longer have my debt and it's transferred. I lost my job in XX/XX/XXXX, got sick, and did not get paid for taking XXXX. I do not have a single or cash on hand, left destitute I need access to my money as my health and kids are left in order to provide bare necessities like water, lights, food etc. 
Bank of America Imposing unenforceable clauses in take-it-or-leave-it customer contracts. Deceiving customers about their rights : Failing to adhere to consumer protections governing customers bank accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized nor did I sign a contractual agreement with these companies at any time. Therefore, according to the Fair Credit Reporting Act they must be removed. I have reached out to the creditors to resolve this matter and they did not cooperate or assist me in any manner. Please remove these unauthorized inquiries from my credit report as they are negatively impacting my credit. 

XXXX XXXX DATE OF INQUIRY XX/XX/2021 BUREAU : TRANSUNION XXXX XXXX DATE OF INQUIRY : XX/XX/2021 BUREAU : TRANSUNION XXXX DATE OF INQUIRY : XX/XX/2021 BUREAU : TRANSUNION
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Sent letter and called telephonically to have this information removed and no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company made a hard inquiry on my credit and i have not asked for any service from the company. Company made a hard inquiry on my credit without my authorization since i have never contacted the company or asked them for any service. Ive called the company multiple times to asked for assistance in resolving the issue but since im not a customer they can not help me. Seems like the company doesn't have any procedure to assist non customers. Credit bureau is asking for a letter form the company stating i do not have any account and that they have not inquired on my credit in order to remove the inquiry from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX account was opened under my name ( XX/XX/XXXX ). This is fraudulent. I called XXXX XXXX to mark this account as XXXX, they proceeded to close the account the same day I called ( XX/XX/XXXX ). I also created a dispute report on Equifax, XXXX, and XXXX ( XX/XX/XXXX ). I had success with XXXX, as they were able to remove the XXXX XXXX Account off of my report, but no success with Equifax and XXXX. 

Equifax stated " the information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - **** The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU ''. 

XXXX stated the account " has been verified as accurate ''. 

This is false. XXXX XXXX has deemed this account as fraud. Equifax and XXXX has been insufficient in their research. They need to contact XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked from the recent Equifax security breach. The breach was reported to have happened back in XX/XX/XXXX. One of my credit cards, XXXX XXXX, already had fraudulent charges placed on it yesterday ( Thursday, XX/XX/XXXX ). I 've already contacted XXXX XXXX and took the necessary action to revolve it with XXXX XXXX. However, I 'm very concern that I 'm a target for further identity theft attempts.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGE has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I spoke to an agent regarding inquiries on my credit report that I did not recognize and they were not removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I a victim of identity theft and data breach and would like to have these three items removed from my Transunion report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX with transunion about mistakes made by lenders and the delinquency was removed XX/XX/XXXX. However the credit scores are not corrected for the months since last XXXX when the mistakes were made to XXXX when I filed the dispute. And transunion agent told me the reason they don't correct the score of the previous months because the lenders don't look up the history records but only the current one. First time to hear that lenders only look at the current credit score when you apply credit or any kind of loans. Actually my credit card company drop my credit limit by {$6000.00} because of the negative credit report and I can't get back the original limit even the current credit score is back to good. Please indicat transunion about credit score correction. If you made mistakes on the credit reports you have to correct all the mistakes you made, not just for one current month. Otherwise I will be seeking damage here.
Product: Credit card or prepaid card

This dispute has been going on for 6 months. I have filed four disputes on this issues. I order nano hearing aid. They were not what they were described. They are not hearing aids. I called the company that I received them from within 1.5 hours of receiving them and told the company I want to return them. i was giving a return authorization number and returned in the same box the same way they came to me the very next day I returned the so called hearing aid with the company provided a prepaid shipping label. Now have been refused my refund of {$470.00}. This is from XXXXXXXX XXXX XXXX  XXXX issued by Synchrony Bank. I would have expected more from XXXXXXXX XXXX XXXXXXXX with their name on it.
Product: Credit reporting or other personal consumer reports

I believe I have been getting false reports starting with a mortgage from XXXX XXXX that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$510.00} 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.