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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Experian for Violation of 15 U.S. Code 1681n Dear CFPB, I am writing to file a formal complaint against Experian for violations under 15 U.S. Code 1681n, which pertains to civil liability for willful noncompliance.

( a ) In general, this statute states that any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for an amount equal to the sum of {$1000.00} or greater.

( b ) Furthermore, it specifies that any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer or {$1000.00}, whichever is greater. 

I believe that Experian has willfully failed to comply with these requirements and has acted in violation of the law, as they have full access to my supporting documents which substantiate my claims. 

I kindly request that you investigate this matter and take appropriate action against Experian for their noncompliance. 

Thank you for your attention to this important issue. Should you require any further information or documentation, please do not hesitate to contact me. 

Sincerely,
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX has violated my rights. 
XXXX XXXX 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 XXXX XXXX XX/XX/XXXX has violated my rights XXXX XXXX XX/XX/XXXX has violated my rights Below here are the accounts XXXX XXXX XXXX XXXXXXXX, 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 reporting, credit repair services, or other personal consumer reports

It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 7 inaccurate late payments for the XXXX XXXX account beginning in XXXX. These include a 30 day late payment posted in XXXX XXXX 120 day late payment posted in XXXX XXXX, 120 day late payment posted in XXXX XXXX 90 day late payment posted in XXXX XXXX, 60 day late payment posted in XXXX XXXX, 30 day late payment posted in XX/XX/XXXX and 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C.1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio  of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.
Product: Debt collection

I'm perplexed with my recent credit report to consider that I don't owe this debt - Can you please look into this along with the attachments? Also, I have disputed this item with the credit reporting agency, and the original creditor and coll and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Mortgage

I have a mortgage account with XXXX XXXX. On the most recent statement, they have added a {$25.00} charge under " Other Fees '', with no explanation whatsoever, and no reason I can fathom as to why it would be legitimate. It does not appear on their online statement. 

I have automatic payment enabled, and I 'm assuming that they 're hoping I would not notice, and they can just scam me for extra money. I plan to call their customer service, but given their previous billing issues and resolution process XXXX which, as with most companies, they make as cumbersome as possible, and requires long hold times and complaint elevation ), I do n't know how long that will take.
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 ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Checking or savings account

I opened an account at a Bank of America branch on XX/XX/XXXX with an opening cash deposit of {$1000.00}. I initiated a wire transfer from my previous out of state bank for {$8700.00} since I no longer have easy access to their locations. I then linked my XXXX XXXX XXXX account to Bank of America so that I could transfer money from XXXX to Bank of America. Knowing that BOA has physical locations, the goal was to have BOA as our primary bank account to be able to deposit cash, use ATMs, etc. 

After the XXXX account was successfully linked, I set up a transfer for {$10000.00} on XX/XX/XXXX which showed as cleared on XX/XX/XXXX. On XX/XX/XXXX, I saw my first of XXXX transactions listed as having insufficient funds. The totals for these insufficient charges were {$0.00}, {$0.00}, and {$20.00}. Seeing as I had {$9400.00} in my account at the time, I called BOA to see why it said I had insufficient funds. They told me that my account had been restricted because they couldn't verify my identity and the validity of the XXXX account which I used to transfer {$10000.00}. They said they emailed me on XX/XX/XXXX but after checking my inbox, spam, and trash folders, I haven't seen anything. 

I've given them the customer service number for XXXX which they said they've called but have been unable to reach someone. Since they can't confirm the account, my BOA account has a restriction and I have no way of accessing my money. They can't give me any updates and say that I have to call back every day for an update. Otherwise, the restriction will be lifted after 30 days. They won't allow me to speak to the person handling my case. I even offered to call XXXX to see if they could have an agent call BOA but BOA said the only way to get the restriction lifted is if they can call XXXX and speak to someone. I have no way of verifying if they've actually called. Thankfully I still have enough money to cover bills in my XXXX account but the fact that I can't access any money in my BOA account, especially given that I verified the account online and the wire transfer cleared, is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX that is currently being suppressed from achieving the American dream by Equifax. 

Recently, all my rental history was added to give a complete accurate account of my credit assessment abilities. Equifax failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding XXXXXXXX XXXX XXXX  sharing of personal information with third-party companies. I have recently become aware that XXXX XXXX  has been sharing my personal information with third-party companies without my consent, which is a violation of my privacy rights. 

Furthermore, I have filed complaints with the Federal Trade Commission ( FTC ) and the Federal Deposit Insurance Corporation ( FDIC ) regarding this matter. I have requested that XXXX XXXX  remove my account from my credit report and address the FDICPA violations that have occurred as a result of their actions. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that XXXX XXXX  complies with all relevant laws and regulations. It is crucial that consumers ' personal information is protected and not shared with unauthorized third parties. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Product: Debt collection

Please see Complaint # XXXX, which was closed without any documentation showing that this account belong to me. The collector written a letter to the CFPB claiming certain events, but did not attach any proof that this account belong to me. I want this complaint reopen and the collection company immediately send me proof of this account with my signature on any charges for this credit card account. I am very disappointed in the CFPB in closing this complaint only on words from the collection company. You gave this company 60 days to respond and they written a letter with no documentation attached and you took their word. Thank god for a new administration maybe the CFPB will do their job like they did before this administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY CREDIT REPORT. I CANT BELIEVE WHAT I SAW. I HAVE STUDENT LOANS AND IVE NVER ATTENDED COLLEGE. THIS IS HURTING MY PRFILE TREMENDOUSLY. THIS IS A VIOLATION OF MY RIGHTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS. I ALSO HAVE A MEDICAL BILL FOR MEDICAL SERVICES I NEVER RECIEVED. PLEASE HELP ME FIND A SOLUTION TO REMVE THESE ACCOUNTS FRM MY PRFILE.

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv declared attempts of fraud on my credit file to Equifax to have them removed from my report as " inquiries '' and 1 year later still present on my reports. 
So i try to call costomer service to make a complaint and i never get through to a representative, Everytime i attempt to re open my credit report file the password no longer fonctional and i have to reset it and keep having to enter my personal information online to regain access, and sure enough, the very next time i use the same password its " incorrect " And i can never get any help for a service that i have paid for! XXXX $ a month in the trash gor years!
Product: Credit card or prepaid card

I used my Bank of the West MasterCard and purchased 2 tickets to a concert from XXXX. The XX/XX/XXXX concert was cancelled due to covid. XXXX says the concert is not cancelled but postponed so they won't refund the ticket price plus fees. 

I contested the charges of {$120.00} and {$4.00} that posted XX/XX/XXXX on my Bank of the West statement due to " Service not Rendered ''. I received a letter from Bank of the West denying the reversal of charges with them stating that they are not responsible for misrepresentations made by merchants which I choose to due business with. Is this not the definition of " Service not Rendered ''? 

Bank of the West ends the letter with " This is not a bank issue ''. 

The Case ID is XXXX
Product: Debt collection

XX/XX/XXXX received letter notifying me of a debt, for a bill I've already paid. Claimed I owed {$25.00}, but attached shows I paid through the online system. Online systems should have XXXX errors and they XXXX ( XXXX ) is double billing. 

Info about debt collector and debt : Credit Control , LLC on behalf of XXXX XXXX XXXX XXXX XXXX ) for account number ending in XXXX ( the last 4 digits of under Bill Number, on attached ) Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX www.credit-control.com Dated XX/XX/XXXX ( received XX/XX/XXXX ). 
Reference # XXXX
Product: Mortgage

This is a cointinuation of case XXXX response to their answer Bank of America.I have madea few installments to bank of america in XX/XX/XXXX which is after XX/XX/XXXX which seems to be what they are saying.In there first sentence of there answer it says they havent recived funds since XX/XX/XXXX this is not  true.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus do not respect 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 The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 1. " XXXX XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$15000.00} 2. " XXXX XXXX '' Was paid In full, Is inaccurate. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$140.00} 3. " XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$1400.00} 4. " Account Number XXXX '' Is inaccurate Has no listed information for this account just a debt. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Opened XX/XX/2007 Balance XXXX Myself and  another company made attempts to remove this negative remark from my credit report due to Statute of Limitations and they have failed to do so.
Product: Debt collection

I opened an account around XX/XX/XXXX with XXXX XXXX for the first month service wasn't great but very workable for me to use. After the first month I started having problems after problems. I notified them of the issues, I reached out SEVERAL times and told them that I wasn't able to get service and wanted to cancel my account and return the equipment. They repeatedly told me that it was issues on their end and to give them time to fix those issues and they would credit me for the time that I wasn't able to use the services I was being charged for. I even tried to take the equipment back to the store where I originally bought it. I was told that the equipment would have to be sent back to the company by contacting the XXXX number to receive a return label. So I never was given the option to return the equipment. So, the account was sent to collection, and I saw where there were XXXX companies trying to collect for me : XXXX. XXXX and Waypoint Resource Group. So I contacted XXXXXXXX XXXX, and they advised me that the ONLY company that was authorized to collect was XXXX. XXXX. So I contacted Waypoint, and they told me that they had already removed it from my credit with all 3 bureaus over a year ago. XXXX XXXX also saw where I had called in many times with not being able to use their services and told me to dispute the charges with the XXXXXXXX XXXX  to get it removed from them as well.All XXXX of these companies are hampering my credit and it causing a great burden on me. 

XXXXXXXX XXXX : ** I also want to note when I called in to XXXX XXXX in XX/XX/XXXX they were asking about an un-returned XXXX and XXXX phone and I had to argue pretty intensely with them that those pieces of equipment I previously bought outright and had brought those into the store to activate. It would look like they would have saw that those weren't bought from XXXX XXXX, when they were infact bought from XXXX and XXXX. It seems as if they were trying to charge me more for equipment that was 1000 % not theirs to charge me for.