23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2023 Experian XXXX Consumer Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute and Complaint regarding Inaccurate Information and Violation of Rights under the FCRA Dear Experian LLC and the Consumer Financial Protection Bureau XXXX I am writing this letter to express my deep concern and dispute regarding the inaccurate information that has been reported by XXXX XXXX on my credit profile. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and have the right to privacy and accurate reporting of my credit information. 
According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. However, XXXX XXXX has been reporting inaccurate information about my credit history, which is a direct violation of these provisions. 
Furthermore, 15 U.S.C 1681c ( a ) ( 5 ) clearly states that no consumer reporting agency may include any adverse item of information in a consumer report, except for records of convictions of crimes that antedate the report by more than XXXX years. XXXX XXXX 's reporting of this inaccurate information goes against this provision as well. 
Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. It is evident that XXXX XXXX has not fulfilled their duty to ensure the accuracy of the information they provide to consumer reporting agencies. 
In light of the violations mentioned above, I demand that XXXX XXXX immediately delete and suppress the account in question from my credit profile. Failure to comply with this request will leave me no choice but to seek damages for willful non-compliance with the FCRA, 1681 ( I ) s2b violation of consumer rights, XXXX, XXXX, and XXXX Amendment rights. 
Please treat this matter with utmost urgency and conduct a thorough investigation into the inaccurate reporting by XXXX XXXX. I expect a prompt response from both Experian LLC and the Consumer Financial Protection Bureau regarding the actions taken to address this dispute and complaint. 
Enclosed with this letter, you will find supporting documentation and evidence to substantiate my claim. If you require any further information or documentation, please contact me at the address provided above. 
Thank you for your attention to this matter. I look forward to a swift resolution of this dispute and a correction of the inaccurate information. 

Sincerely, XXXX XXXX
Product: Credit reporting

Wanted to check if I established some sort of credit in the past, curious to see what I might have. Experian Questioned if I tried to get a mortgage loan last year or applied for a retail card? The amount I applied for on the mortgage, I did none of those things whatsoever, at all, or even tried to apply for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX  XXXX Balance : -, XXXX XXXX  Account XXXX Balance : {$4900.00}, XXXX XXXX XXXX Balance : {$5500.00}, Original creditor : XXXX Balance : {$390.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card

I have a PNC credit card, and when I received the card and transferred a balance I asked for help on setting up an automatic recurring payment for the minimum amount due. They instructed me on how to do this, but didn't inform me that it wasn't like every other credit card that would pay whatever the monthly invoiced minimum amount due was. It was just the " minimum due at that time ''. When that minimum due changed, I underpaid and was assessed a late fee along with damage to my credit report which previously had no late payments on it. When I tried to address this with PNC they said that " the payment was set up this way by you ( me ) and it was your fault ''. Their online banking and payment system is intentionally misleading and difficult to use. I'm a well-educated and very tech savvy individual, but I could not figure out how to set this up properly or where to even access this important information. I was told later that there is no way to do this and the only way to set up automatic payments is to complete a paper form and mail it via XXXX to PNC to set up. That form isn't mentioned anywhere and isn't readily available online with these instructions. PNC is very intentionally making these additional steps and instructions difficult to understand, complete, and implement so they can take advantage of consumers with late fees and damaging credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

FINANCIAL TERRORISM!

HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : XXXX has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to XXXX  XXXX XXXX on XXXX Is not mine Goodleap llc on XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX, XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began receiving calls and notices from XXXX XXXX a company located in XXXX Louisiana approximately 8 years ago. The claimed that I had taken a loan out with them in which I had never did. I requested numerous times for them to provide to me paperwork of this loan showing my ID or my signature which I never got. Since then they have been reporting this to the credit bureau which has caused my credit score to suffer drastically. I recently received a XXXX from them for this year which I did not file on my taxes because this has never been my debt.
Product: Credit card

I have attached last 3 months of my credit card statements. you can see that even after paying more than the minimum plus covering the purchases i am still being charged interest. note the XXXX XXXX and XXXX $ payments that i made.
Product: Credit reporting or other personal consumer reports

The fraudulent credit card accounts still remains on my credit reports from all three credit bureaus, Wells Fargo is using fraudulent personal information to keep the fraudulent account on my credit reports. I spoke with Wells fargo and sent them a FTC report and nothing have been done to remove the account. They are using fraudulent unauthorized addresses to my identity and reporting it with the account to the credit bureaus. I'm not receiving any mail from these creditors, this is unlawful. The business addresses that Wells fargo is reporting to my credit report is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and a closXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account number reporting on : ( XXXX and XXXX XXXX ) and ( XXXX XXXX ) was deleted from my credit report and Wells Fargo reinserted back the account to my credit reports using these fraudulent unauthorized addresses above.
Product: Bank account or service

I deposited a check XXXX XXXX, 2016 at an ATM at Citibank in XXXX CA. The check was my husband 's payroll check and less than {$5000.00}. The bank placed a hold on the check. My checking account was not overdrafted. I have overdraft protection. I have been banking with Citibank over 20 years. On Monday night when I called I asked what had happened and Citibank could not tell me nor would the funds be released. To my knowledge the funds have not been released. When I called on Monday night Citibank told me the check that I deposited had not been sent to them from the branch.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX XXXX XXXX ) Account number # XXXX, ( XXXX XXXX XXXX Account number # XXXX, and ( XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status ( XXXX XXXX XXXX ) Account number # XXXX, ( XXXX XXXX ) Account number # XXXX, and ( XXXX XXXX Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I rented an apartment from XXXX XXXX XXXX an XXXX XXXX XXXX property. We discussed a one year lease from XX/XX/XXXX - XX/XX/XXXX and was not informed about the company policy for leases going to month end when they are signed mid-month. I gave notice when my lease was ending that I was moving out and was informed that I was obligated to stay till month end. I contested the issue with the property manager that such a  policy was not made known to me at signing. She referred the issue to her manager ( XXXX XXXX ) whom I emailed twice seeking to resolve the matter. She responded to my initial email and failed to respond subsequent emails I sent asking to the issue be referred to a senior manager. She never responded to my emails and the alleged amount I owed was sold to a collection agency, XXXX XXXX XXXX. The collection called my wife with whom I was separated from then to convince to confirm my personal information. She referred the agency back to me and I asked not to be called again about the issue. The agency disregarded this and continued to harass me over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX XXXXXXXX I wanted this late payment appearing removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed charges a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnish errors accepting unreliable responses and failing to adequately notify consumers of disputes outcome. 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 move or amend the disputed accounts as Experian inaction violates federal laws my rights as a consumer
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 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

Equifax Inquiries have not been deleted from my credit report despite submitting FTC report : XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2022 I reached out to lexis nexis to remove information on my national credit file with lexis nexis I recieved letters indicating accounts were removed attached I have highlighted what accounts I want removed seeing that they are XXXX XXXX XXXX and too old to be on my credit file
Product: Credit reporting or other personal consumer reports

I am a victim of both identity theft and XXXX XXXX. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), lam submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXXrelated debt bondage, which qualifies as XXXX under the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following account. XXXXXXXX XXXX  This account have been removed on XXXX and XXXX. This needs to be blocked or removed from credit immediately.
Product: Debt collection

I 'm only XXXX and never had an account in my name before and just found out that I have this collection on my report the do n't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I mailed letters disputing inaccurate or unknown things on my credit report.I feel like I am being taken advantage of and ignored on my disputes. Section 611 a of the fair credit reporting states that a failure to remove items within thirty days of an actual dispute without verifying the information or notifying the dispute holder is against its by laws. original documents have not been shown as request to verify negative accounts one my report such as the original contracts I allegedly signed. Stating these facts these inaccurate items on my credit report should be deleted immediately off my report, or I will file litigation based off the sever stress and damage this has cause me. I would liked for it also to be noted that my report has been compromised from the data breach caused by XXXX, and my personal information may have gotten in the hands of the wrong persons.
Product: Checking or savings account

I am very disappointed with PNC Bank not allowing any square up transactions to be deposited nor any other transactions at all. I was never informed why any restrictions has been placed on my account without my knowledge.please help find out what is the problems with my checking account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX failed to provide loan verification letter. Proof sent to XXXX to have account updated or removed. Account was closed and charged off. XXXX is still reporting late payments to XXXX, Transunion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, there were 3 auto-loans obtained in my name, two XXXX XXXX XXXX and one XXXX XXXX XXXX. First I received several letters from other banks who declined to approve auto loan due to lack of identity verification, including one from TRUIST bank, who latter approved a loan of {$71000.00} to nn person posing as me?! I am retired XXXX XXXX  since XXXX and have not apply for any loan since then. I suspected identity theft so I put fraud alert and security freeze around XX/XX/XXXX, with all three Credit Information Services both for myself and my wife XXXX XXXX. 
I contacted all three landing companies and and filed fraud claims with their Fraud Management Teams. I was able to get problem solved with XXXX XXXX and XXXX XXXX, they removed their accounts from my credit reports with all 4 credit reporting companies. 
I can not resolve problem with TRUIST, although I signed an affidavit and sent them all requested documents. I disputed this also on my credit reports and only XXXX removed it from my credit. The person in charge with TRUIST said it is under investigation but since than no progress. The person who stole my identity claimed to be ( in my name ) a member of US Military services, which I saw from one of documents sent to me by mail. Also there is a fake phone number and fake XXXX divers license written on some documentsI ( mine ID is from XXXX ), that I mentioned in my affidavit. Also I saw forged signature on these documents.I called sales manger from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX to report him this fraud too, no feedback.
Product: Mortgage

Select Portfolio has the correct address for me. I have notified Select Portfolio of my new address ( or addresses ) pursuant to the Select Portfolio 's requirements for receiving a notice of a change of address.They allegedly sold their servicing rights on XXXX XXXX, XXXX. Select Portfolio did not follow the law regarding sending a notice of transfer 15 days prior to date of transfer. ( See 12 C.F.R. 1024.33 ( b ), and CFPB Bulletin XXXX, Date : XXXX XXXX, XXXX, Subject : Compliance Bulletin and Policy Guidance : Mortgage Servicing Transfers )
Product: Credit card or prepaid card

XX/XX/2021 : I XXXX out the balance in my account and tried to close my account on the website. However, I was given the following message : " Oops '' We are not able to close your account at this time, please contact Bluebird Customer Service at XXXX. '' I then called that number and went through all of the options but the entire system appears to be automated and there's no way to speak to a representative. The automated system also does not have any options to close the account.
Product: Debt collection

Item opened XX/XX/2021 and reported XXXX for {$420.00} by Convergent Outsourcing. The company in which I am writing this complaint never allowed me to dispute the information placed on my report. I never received a letter or notification of this item until placed on my credit report. I was not able to submit a letter because I never had an account number to dispute the item. When disputing the item with the credit bureaus, this company clients they did not violate the FDCPA, 15 USC 1692g allowing me to request validation of this debt. It has caused me emotional distress and mental anguish. When applying for work or credit this item is reflecting a character of nonpayment when I have not had this matter in quite some time. When asked to remove this item I was declined although no proof was provided to show the accuracy of the reported item by the collector or original owners of this debt. I have not documents to submit honestly because it never received any.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from my credit report 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