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

I requested to know where XXXX information listed on my credit report derived as the XXXX XXXX courts do not report this information to credit bureaus. Items listed in my report where not shared with the credit bureau by an official agency or myself but the credit bureau refuses to remove this information from my report.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX have failed to fulfill it legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed or amended the disputed account, as XXXX inaction violates federal law and my rights as a consumer. 
Recently I reviewed my credit report and noticed several inaccurate information on my account. The account is hurting my ability to obtain credit. It's my understanding that the Credit Bureaus will investigate this account for me asking you verify account listed below XXXX XXXX XXXX XXXX amount of {$21000.00} This debt has been charged off by the original creditor which means that the debt has been paid and is considered income. Since Charge off is considered income, it must be removed. Income can not be reported on credit files. FCRA letters sent to all 3 credit bureaus in XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested XXXX, XXXX, and Transunion delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records. 

I requested theses violations be deleted immediately and a written confirmation within 30 days. 

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account nameXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX # unknown XXXX. Account nameXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # ending XXXX XXXX. Account name- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make and 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 1681 s-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 reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is m
ailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear Experian, I received your attached response to CFPB complaint number XXXX dated XXXX XX/XX/scrub> 2024 in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX ( which has also been attached to the present complaint for reference ) as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in false 'verified ' status from the involved data furnishers as the result of identity theft and fraud. In your response, you gave reasons for the denial of the block in which you determined that either XXXX the request was made in error, XXXX the request was based on a material misrepresentation, or XXXX. That I received goods services or moneys as a result of the transactions I am seeking to block. 

Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be permanently deleted from my credit report you maintain
Product: Checking or savings account

On XX/XX/year> a man came up to me and took my phone and logged into my bank with out permission and wired himself through XXXX with my Wells Fargo account and without my consent gave himself {$1000.00}. I started a claim with Wells Fargo and with the police department. The one with Wells Fargo ( Claim : XXXX ) said that it was denied based on the information available to them and that the unauthorized activity was made through a secure online banking session by me or someone who had my authority yet I did not agree for him to be in my bank wiring any kind of money. My investigation with the police has not started because I have to show them the proof that I started a claim with my bank and have the full copy of the documents that made Wells Fargo come to the decision of denying my claim and have not received it yet. I have also tried to appeal to Wells Fargo with fax and have not received anything either.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

AMEXPRESS took out money from my XXXX debit card twice for XXXX on the same day the XX/XX/XXXX or the XX/XX/XXXX and I called them and asked them why they went into my account and return my money that they claim XXXX supposedly took out, I immediately called XXXX and XXXX immediately gave me my money back XXXX XXXX and XXXX are two separate companies XXXX   have nothing to do with XXXX return of my money back to my account. My account was closed when XXXX returned my refund of XXXX DOLLARS. I asked AMEXPRESS would they mail me my money they sid they would and never did.

I asked them to put my money on my Blue Bird account and they said they could not. I no longer have neither a Serve or BlueBird account I closed them both. I just can not believe AMEXPRESS stole and took my XXXX dollars and lying saying they gave me my money and trying to pretend the XXXX was returned by them when XXXX put that XXXX cents in my account and lied and said, XXXX took out money for their services. XXXX gave me my entire XXXX dollars  back
Product: Mortgage

I filled out an online application through Bank of America for a Home Equity Line of Credit. At no point in the process does it stipulate that they have changed their policy. Their new policy requires Bank of America to be the first lien holder in order to apply for a Home Equity Line of Credit. 

I went through the entire application and BoA made a hard pull against my credit for no reason. If they had listed that information anywhere on their site, I obviously wouldn't have completed the application and had them do a hard pull against my credit. 

No feedback was given aside from information stating the application was denied. I had to call into their support line to talk to someone who explained the reason the application was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

I HAVE DISPUTED THIS CREDITOR AND INQUIRIES THROUGH EQUIFAX. I SENT IN ALL PROPER DOCUMENTATION AND THEY ARE REFUSING TO REMOVE THESE ITEMS FROM MY CREDIT REPORT. I AM ALSO A VICTIM OF INDENTITY THEFT. I FIRST DISPUTED THE ITEM OF {$3900.00} AND INQUIRIES IN XX/XX/2021 AND AGAIN XX/XX/2021. MY DISPUTE WASNT OPENED AND I SENT IN DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX to XX/XX/XXXX accounts XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has not been investigated. This is ridiculous at this point, I know that this has not been done because the update status has not changed. Please delete this from my credit profile immediately due to the bureaus direct violation on not investigating this matter. Please consider this my written authorization. Attached is proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX  Account XXXX XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card

DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts XXXX have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Credit card or prepaid card

In XXXX, I called Citi to change my card from a {$450.00} per year XXXX  's XXXX card to their free card in a process called card conversion ( we aren't traveling next year as much as we did the last year ). Today, on XX/XX/XXXX, they charged me the {$450.00} fee. When I called back, I was told that " Oh yes, it takes up to two months to do the card conversion, we'll credit that fee back in another statement or two. '' Meanwhile, I either pay the {$450.00}, and am just out the money until later ( and I'm forced to use their credit card to get it back because it's a credit ), or they get to charge interest on the unpaid {$450.00} until they credit it back. 

This is, at best, predatory, and at worst, fraud.
Product: Credit card or prepaid card

This bank always gives me a hard time when applying for credit I applied recently for a credit card they trasnfer me everywhere and dont help they dont care about me I have a fraud alert on my credit I called to process my app their system said it was pending then they tranfer me said its clear they lie to me I asked them why they would decline horrible bank they really dont like me
Product: Debt collection

Hi I just went for a car loan was turned down never was I turned down for a car loan and imm XXXX so have had plenty, credit report as via XXXX is great except a XXXX owed to sears master card on my credit report dont know how i could charge XXXX grand at sears and we dont even have a sears store in wi. for prob 3 years then 6 days later this letter from XXXX XXXX XXXX XXXX XXXX ga. XXXX shows up wainting XXXX so 3 years later the 2nd time I have heard of this debt first time when car dealership says oh we cant give you loan because of this on your credit report says previous creditor XXXX XXXX XXXX. inc. acct number XXXX unless it was my ex girlfriend who liked to charge but 3 to 4 years after sears stores closes give me a break and she has left town no body knows where she moved to just up and left Please help I have no car my son took care of my old car and now I cant get a loan because of this .... thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXXXXX wi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX  Original creditor ftc violations
Product: Checking or savings account

Truist Bank Legal Department acted prematurely and wrongfully processed a notification as a court-ordered levy from XXXX XXXX XXXX XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX XXXX Government Clerk of Superior Court stated that the court has not issued a garnishment levy to Truist on behalf of XXXX XXXX XXXX XXXX to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My concern is that Truist acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of XXXX debt collecting agency.
Product: Credit card or prepaid card

XXXX XXXX XXXX # XXXX After numerous call to AMEX requesting to reverse the charges which are purely composed of fraudulent interest and fees on item that XXXX XXXX failed to deliver ( shower door ). Credit has been made as reflected in XX/XX/XXXX statement ( {$300.00} ) and this was upon suggection of XXXX XXXX. Order was made on XXXX XXXX, XXXX. AMEX reason is that XXXX XXXX did not apply the credit on time. The issue is between XXXX XXXX and AMEX and I am an innocent victim. The breakdown on what the balance is : Per statement due XX/XX/XXXX {$32.00} Interest Per statement due XX/XX/XXXX XXXX XXXX Fees XX/XX/XXXX XXXX Interest Per statement due XX/XX/XXXX XXXX Interest Per Statement due XX/XX/XXXX XXXX Interest Per statement due XX/XX/XXXX XXXX Interest Total {$82.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1959 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

PNC is not allowing XXXX, an intermediary that allows people to connect their bank accounts to other services.
Product: Debt collection

Bonnville collections is on my credit report for XXXX XXXX XXXX Ive never received correspondence from either and I believe that XXXX XXXX  was a result of XXXX XXXX and winter freeze events- also possible that XXXX XXXX is billing me for months not belonging to me based on how rental ended with XXXX  XXXX XXXX Either way- XXXX has never provided statement not debt validation with options to dispute
Product: Money transfer, virtual currency, or money service

I have an discover high yield saving account and not been used recently. But XXXX, I saw there is one {$1800.00} transaction from my other account to this account which is for sure not done by me. After I login my discover account, I saw the money is been sent through XXXX to multiple unknow recipents. Those are for sure fraud, and I have no idea why discover bank could let that happen, which means the secruity of the bank is just bad. 
After I contact them, they insisted those are my liability and they refuse to investigate on the fraud and refund me money. 
They even froze/close my account to avoid me to login the account to grab detail information.