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

XXXX XXXX/ I have disputed this account more than XXXX times and each one comes back the same. The company still allows them to keep the information on my credit when I've submitted information to them in regards to the account being closed, paid in full, and previously the creditor reported payments were ALL on time never late, and now that I filed a claim with CFPB right after they entered falsified information saying I was late the entire year of 2019 in which I was not. They are allowing this creditor to say the account is still open when it is not open it was closed in 2019. XXXX debt recovery/ this account has been removed from my credit based on decision of dispute and they have allowed the company to play double jeopardy in an attempt to collect funds not owed. The credit reporting agency has information from each dispute and prior to allowing a company to submit anything they should use that information to determine it is not legal what the collection company is doing and violates my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report Experian for failing to correct inaccurate information on my credit report, which led to the denial of a critical vehicle loan application with XXXX XXXX XXXXXXXX ( XXXX # XXXX ) on XX/XX/year>. I applied for the loan on XX/XX/year>, and the denial has caused significant hardship, as I rely on a vehicle for work and family obligations. 

I have reached out to Experian multiple times to dispute the inaccuracies on my credit report, but they have failed to remove or thoroughly investigate the disputed items. Although Experian placed a fraud alert on my account, this was insufficient to address my concerns. To date, the disputed inaccuracies remain on my credit report, directly impacting my ability to access necessary credit. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes in a timely and thorough manner. Despite my repeated efforts to bring these issues to Experians attention, they have neglected their responsibilities under the FCRA. Their failure to remove or investigate the disputed items demonstrates negligence and noncompliance with federal law. 

The inaccurate information on my credit report, which was provided by Experian to XXXX XXXX XXXX, was a key factor in the denial of my credit application. XXXX XXXX XXXXXXXX referenced Experian in their adverse action letter, yet Experians failure to take action on my disputes has left me unable to rectify the situation and obtain the credit I need. 

The continued presence of these inaccuracies on my credit report has caused undue financial hardship and emotional distress. I am unable to secure a vehicle loan, which is critical for fulfilling my work commitments and providing for my family. Experians inaction has compounded these challenges, leaving me with no alternative but to escalate this matter to the CFPB. 

I respectfully request that the CFPB investigate Experians failure to comply with FCRA requirements, including their lack of thorough dispute investigations and their failure to correct inaccuracies. I also urge the CFPB to hold Experian accountable for their inaction and ensure that they take immediate steps to resolve the inaccuracies on my credit report. 

Attached to this complaint are supporting documents, including : My adverse action letter from XXXX XXXX XXXX. 
A copy of my Experian credit report with the disputed inaccuracies highlighted. 
Records of my dispute correspondence with Experian, including proof of submission and Experians responses ( or lack thereof ). 
Additional credit reports from XXXX and XXXX, which do not reflect the same inaccuracies. 
I have reported this problem to other agencies and are working to get this rectified
Product: Debt collection

On XX/XX/2022 I cancelled policy number XXXX after XXXX increased rates. I have the policy cancellation and confirmation email from the company stating I have XXXX balance on that account. This is the second time XXXX falsely reports this to the credit bureau and hurts my credit score. They refuse to answer my direct emails and continue have ignored my requests for providing documentation proving explaining these charges and why they are linked to my report. This is inaccurate information and they are in direct violation of some of my consumer rights. I am submitting emails received from XXXX  demonstrating inconsistencies with their numbers. Cancellation was done in XX/XX/XXXX they did not cancel it until a month later. I am still owed {$930.00} for overpayments
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and W2 to complete investigation. I will attach a copy of the identification proof in this complaint.
Product: Debt collection

I have sent many letters to try to get this account removed from my name many times it has been 2 months going on 3 months and yet has the Credit Department been complying with the law. They know that if i ask for proof of account collection being mine they must show me proof to collect the debt. They have failed to do so and i have try to work with them on providing me the proof.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to reach out to XXXX XXXX, regarding my account for the past 60 days. I phoned, emailed and sent a letter to the corporate office. However, I had no response. 
I have false and inaccurate information on my credit report. Through the credit bureau Experian and XXXX.I requested that XXXX XXXX  forward me a copy of my original agreement/ contract to the address I provided or email a copy of my contract. 

When I initially opened this account. I signed up for insurance in the event that I lost my job or was injured ; and could no longer pay. When I lost my job. I gave proof that I was no longer employed and completed the paperwork for my insurance claim, which was immediately received and processed by XXXX XXXX. My payments were covered through the insurance policy. Which left me with a XXXX  balance, because the insurance policy paid the remaining balance. When I signed the agreement, the contract stated that some of my payments went toward my purchase and the rest to my insurance policy.So I made monthly payments to my insurance coverage the day I opened this account. 

XXXX XXXX  is reporting this account as a charge off/ bad debt. I requested this account be removed from my credit report. 

I also contacted Experian and XXXX  to inform them that there is fraud and inaccurate information on my credit report. From the creditor, XXXX XXXX. I requested that this account be removed from my credit report. Experian 's and XXXX  investigation was completed and the results were verified and accurate. Which is not true.This account is not accurate. 

I requested that the method in which Experian and XXXX  used to validate the validity of this account, be sent to me in writing. Experian or XXXX  never sent me this information. However they sent me a general postcard in the mail explaining the Fair Credit Reporting Act and explaining that they use public records to verify accounts. 

How could Experian or XXXX  verify through public records fraud and inaccurate information? They can verify I had an account, but the details in which I'm disputing had not been verified by Experian or XXXX.They have not fully investigated this account. This account was paid through insurance and is being reported as a charge off/bad debt. 

XXXX  has not noted in the comment section of my credit report that I have disputed this account. 

Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding Acceptance Now, that is listed on my credit report. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Please provide me with this information or delete this account from my credit report. 

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

I submitted a request for account to be removed bc the account in question was on a vehicle that my ex wife obtained through divorce and defaulted on Loan. The payment info was updated but account was not removed. I then contacted the company about 4 months later on their credit dispute email and didn't receive any correspondence from the creditor.
Product: Student loan

Back in either XX/XX/XXXX or XX/XX/XXXX my loan provider, XXXX, double charged me for my loan payment that month. I did not notice this, but they reviewed my account and realized they did this and sent me a check in XX/XX/XXXX. Upon receiving this check, I deposited it at my bank on XX/XX/XXXX where it seemingly went through. A couple of days later, I got the money retracted from my account because the company authorized a stop on the check. They claim that the stop was issued because the name on the check was incorrect ; however, the name on the check was mine and the check should have been made out to me as they double charged me. In addition to this, the company claimed that I am late for my last payment which does not make sense because I have automatic payment on which takes from my account and has for over a year and a half now. The company said that they were going to put my account on review to see if they can fix the issue. The company has promised to call me back within the day. I am currently waiting for that call but honestly do not expect them to get back to me in a reasonable time. This is not however the only issue that I have had. My account is cosigned by my father ( who cosigned for all of his children ). A couple of months ago one of my payments did not come out of my account but somehow came out of my sisters bank account. Now my account with XXXX is completely separate from my sisters and should not have any of the information shared. This issue was eventually fixed after my sister spent hours on the phone with the company. After they fixed that they then proceeded to take the money out of my brothers bank account the next month who had already paid off the entirety of his loan and did not owe the company anymore. The customer service for this company is ridiculous and they constantly believe that they are right even if they are taking money from the wrong accounts and essentially stealing it. Stay away from this company if you have the option.
Product: Debt collection

1. Opened last XX/XX/XXXX amount : {$19000.00} we see the problem XX/XX/XXXX
Product: Debt collection

Company is Midland Credit Management. They call me several times a day, all day long, they never say their name or who theyre with, they just say my name over and over and hang up. Then they sent me a letter threatening to sue me over {$620.00}. The letter states that they intend to have a lawsuit filed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX O INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER TD XXXX XXXX INQUIRY DATEXX/XX/XXXXINQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX
Product: Debt collection

Credit Acceptance Corporation calls repeatedly under different numbers. 

The Fair Debt Collection Practices Act says debt collectors cant harass, oppress, or abuse you or anyone they contact. 

Credit Acceptance Corporation has done all three under different numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX XXXX This account is a charge off and I settled with a small payment to delete account after payment. The payment was received however it was never deleted/removed from my account. Also the credit bureaus is still reporting delinquency which is more seven years.
Product: Credit card

I had a {$15000.00} fraudulent charge hit on a new credit card that I had just received. I hadnt even opened the envelope. The card was never activated and yet someone charged {$15000.00} immediately! I only learned of the charge because I received an email alert from my XXXX credit monitoring account. This was one fraudulent charge of {$15000.00}. The credit card company is Barclays. Barclays has been notified right away that it was fraud and the card hadnt even been activated. They said they would remove the charge. But I have no proof that they removed the fraudulent charge. I spent over four hours on the phone with them trying to get this resolved. They wouldnt even give me a number to their fraud security department. The one number they did provide me was a bogus number! Now a maxed out credit card account is showing up on my credit report and my credit score dropped XXXX points because Barclays reported I had a maxed out new credit card with a {$15000.00} charge. One charge!! XXXX has already been notified as well as XXXX and XXXX. How do I proceed and to have this fraud corrected and resolved as it has negatively affected my good credit rating. Im also in the process of purchasing a car! This could completely affect the ability to purchase a car thats being shipped from XXXX next week.
Product: Credit reporting or other personal consumer reports

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.? Except as provided in paragraph ( 3 ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device.THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Here 's the list XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX {$21000.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX XXXX, XXXX
Product: Debt collection

In XX/XX/XXXX XXXX with Springer Collections of XXXX XXXX, MN left a message on my home number looking for a XXXX XXXX regarding an old medical debt ( from XXXX ) for a low-income medical clinic in XXXX XXXX. My mother 's name is XXXX XXXX, and I did some investigating with the clinic as to the nature of the debt. As suspected, the clinic was looking for a different XXXX XXXX. The birthdates were way off, the social security number was wrong, and we determined that my mother had never been to that clinic. She lives some 40 miles away and is in memory care, not capable of getting to the clinoic. I spoke at length with XXXX after my investigation and she informed me that XXXX would no longer be contacting me. Further, the clinic was supposed to notify Springer that they were pursuing the wrong XXXX XXXX. 

Yesterday, on XXXX XXXX at XXXX XXXX, I received another message on my home answering machine from XXXX with XXXX Collections. She repeated her first message from XXXX, asking for XXXX XXXX regarding a medical debt. She did not give any indication in her message that she remembered she was calling the wrong party again.
Product: Credit reporting or other personal consumer reports

Everything I try to get on my consumer profile from XXXX. Its kicking me out the system, not allowing me to download my report.
Product: Debt collection

I received a letter from Unifin INC . Address : XXXX  XXXX  XXXX XXXX, IL XXXX. Account reference no XXXX. I confirm over the phone my the last four digits of my SSN are correct ; my last name is incorrect ; I advised the agent that is no my legal name announced that I am a FRAUD VICTIM., and I have an EXTENDED ALERT on all my credit files. Also advised that this account was opened fraudulent over 19 years ago, XX/XX/2002 ; at the time, I was a minor. The agent told me I do not care what you are describing how you will pay for this amount you own, or We will be a force to pursue legal action against you. After requesting to speak to a manager or supervisor, the supervisor hangs up the phone after insulting me. I contacted this creditor several times and was placed on hold, and I was told several times ( " DO WHATEVER YOU LIKE WE DONT CARE '' ) I notified this collector that I would be filing a complaint with FDCPA, and they hang up the phone again for the fifth time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit inquiry from Citibank but I havent applied to them.
Product: Credit reporting or other personal consumer reports

I have XXXX unauthorized INQUIRIES on my credit report. please remove these unauthorized INQUIRIES immediately. I have attached my FTC REPORT BELOW
Product: Checking or savings account

I had been looking to start a business and was looking online for XXXX XXXX vending machines. 

I found some on a website called XXXX and was chatting with the manufacturer, it seemed legit and paid them everything they asked for and never received my items I havent been able to get a hold of them and was reading online that XXXX is a scam and people are forced to fork out thousands of dollars to fake XXXX manufactures that never deliver the product I need support with these fraudulent scam transactions please and thank you XX/XX/2023 - {$1300.00} XX/XX/2023 - {$4600.00} XX/XX/2023 - {$4400.00} XX/XX/2023 - {$510.00} XX/XX/2023 - {$5600.00} I did contact our local XXXX Police Department and XXXX report for these fraudulent transactions and being scammed, they advise me to file an XXXX report with the FBI, which I did as well. 

The detective approved my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Paycheck is being held up by them for reasons unknown, facing late fees for bills that are owed and capital one is not gon na do anything about it
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX continue to record XXXX XXXX  on my credit report even after a letter I sent to XXXX  opting out on XX/XX/2023. My option to opt-out follows 12 CFR 1016.7 Form of opt-out notice to consumers ; opt-out methods.

( a ) ( 1 ) Form of opt-out notice. If you are required to provide an opt-out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602a " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Dear XXXX  XXXX, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. This is effective immediately and indefinitely. 
Thank you, With my signature.