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

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Date : XX/XX/XXXX Subject : Credit Score Dispute / Investigation Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. By XX/XX/XXXX, my credit score dropped from XXXX to XXXX and further decreased to XXXX. On the same day, I initiated several disputes and provided my revised FTC/IdentityTheft complaint. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former Experian credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher credit score signifies lower risk to lenders and better loan terms. 

This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a XXXX XXXX XXXX XXXX XXXX XXXX and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed. 

The previous investigation was another violation of my rights and the FCRA, as Experian failed to take my concerns seriously and sided with these creditors. Experian 's statement that " I should have known '' about the accounts on my profile is unacceptable. Once I became aware of these discrepancies, I promptly disputed the items. It is apparent that these creditors are paying customers, and I am a consumer ; however, it is against my rights for Experian to exhibit bias and leave consumers with no chance of correcting errors. 

Please contact XXXX and inform them that these accounts are accurate and need to be corrected accordingly. 

Experian is liable for actual or statutory damages and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits, including : - *XXXX XXXX  Experian** - *XXXX XXXX Experian Information Solutions , Inc. , No . 21-2632 ( 7th Cir. 2023 ) : ** The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA. 
- **XXXX XXXX Experian : ** XXXX XXXX case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience. 

Experian acknowledges that emotional distress damages are recoverable under the FCRA. I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Capital One violated my consumer rights pursuant to 15 USC 1692 j ( a ), " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ''. Attached it each time the company has contacted me with a bill not stating it was a debt or the collection of a debt. I have contacted the company wit a cease and desist letter.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/year> I had received a random text message from a XXXX area code from someone pretending to be a member of a notorious XXXX cartel. In the text message they stated that if I did not respond to the text and agree to a set amount of money to send them that me and my family would love their life and get our heads cut off. I have all the texts messages saved and logged as proof/evidence. Furthermore this individual had my current and former home address which made me believe that this was legit and my family/myself life were in jeopardy. This whole situation was happening while I was at work which made it even worse. The text messages and phone calls were non stop and had me so freaked out and scared for my familys well being that I agreed to send {$500.00} for my safety and my familys. After sending this amount they were still not satisfied and told me I needed to send another {$1500.00} or again me and my family would all be killed. My bank is Chase and I had used the money transfer system XXXX to send them the funds. After sending the {$500.00} XXXX informed me I had reached my XXXX amount I could send for a day which was the {$500.00}. After considering what I had just done I had done some researched on the internet to see if I could find any posts or information of this kind of scam happening to anyone else recently. I found a post on XXXX where XXXX of others had the same kind of situation happen to them. That is when realized that I was terrified and freaked out into a scam. Im trying to recover my funds as when I contacted my bank that night and the following morning and filing a report with them about everything that happened, they still would not recover my funds because they said since I authorized the transfer. I do not believe this is ethical or lawful as my life was being threatened and I have all the texts messages to provide and plead my case that I was scammed. Please help me with my situation as I desperately need my funds recovered to take care of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly reporting INCORRECT information on my credit report. 

The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, DC XXXX. 

XXXX XXXX XXXX is being reported with a 30 day late on XX/XX/2022. 

THIS is incorrect and the creditor has sent in the information to them specifying that this was an INCORRECT report and should be updated with NO 30 DAY LATES. 

Please see attached paperwork from the creditor which is exactly the same form sent in to Equifax demanding a correction on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX  Reported my mortgage as " closed at Consumers Request ''. My mortage is current and I did not request the account to be closed. This company continues to retaliated against me by reporting erroneous information to my credit file. Please see attached supporting documentation which includes a copy of my XXXX  Credit file and my account status with XXXX  as of today ( XX/XX/XXXX ).
Product: Credit card

I received an email stating : Thanks for requesting a new credit card! 
We'll review your Chase Sapphire XXXX credit card application and be in touch soon. 

Problem is I never requested the card. The request is fraudulent in nature as it was not sanctioned
Product: Bank account or service

On XXXX/XXXX/2015 my bank account balance with PNC Bank was XXXX. On XXXX/XXXX/2015 the bank charged a {$36.00} overdraft fee with no other posted transactions. 
XXXXXXXXThus, leaving me with XXXX dollars in the bank. On XXXX/XXXX/2015 I had XXXX deposits come in and a bill pay go out. I called the bank of PNC to report my account was in the positive when they charged an overdraft fee and after the fee, my account was still in the positive. 

I spoke to the bank employees and I was told they process bills before deposits, thus putting my account on XXXX in the negative forcing it to go into the negative so they can collect a fee. I told them all the transactions ( as you can see in the screen shot ) are pending as they are posting as of today, and my account was still in the positive and no reason to charge a fee. They refused to return the fee.
Product: Money transfer, virtual currency, or money service

The service used for transfer was Paypal, in paypal I believe it was sent on XX/XX/year> for XXXXXXXX XXXX  to a XXXX XXXX at XXXX which converted into XXXX XXXX  at the time of sending. They and I made a contract for work in which I would pay them to make a piece of software for me, he never even started the task I hired him for and they refused to refund me too, there were countless times I asked for a visual update on the program and he never sent an update even once. I contacted my bank and they couldn't help, I contacted PayPal and they couldn't help since he had me use 'friends and family ' transaction to avoid fees. So neither of those options could help me get a refund and even now he doesn't have any sort of plans to refund me for the money. During our talking period he changed XXXX accounts ; but I attached a screenshot showing him telling me to contact the second one
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.
Product: Vehicle loan or lease

I co-signed for a XXXX XXXX for my uncle last year on XX/XX/XXXX and the vehicle got repossessed. It was his vehicle, and he no longer has the vehicle. He was the one missing the payments and I was only a co-signer. Now I am ineligible to apply for any auto loans even though it wasn't my vehicle nor me making the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a major problem with Experian. I was a victim of identity theft in 2016. I sent a request to all XXXX bureaus requesting these fraudulent accounts be blocked from my report. I filed a police report, FTC Affidavit and sent all that in. XXXX and XXXX quickly determined fraud and blocked the accounts. Experian is a different story. You can not get anyone on the phone to help you. Unless youre buying one of their products, you get transferred in an endless loop. This happened to me 5 times with the number of times being transferred varied from 10,12, and 8. I communicated with them by mail and by fax. I didnt even get an acknowledgement of receipt. Furthermore, I paid off my credit cards and loan with credit union recently and it reflected on my XXXX score, XXXX and XXXX. Experian remains unchanged. Their headquarters is not even in the United States. They will NOT transfer you to a manager, will not have one call you back, will not give out an executive information. It is the worst customer service I have ever received and this from a consumer credit reporting agency. This really needs to be investigated. How can they be so careless?
Product: Credit reporting, credit repair services, or other personal consumer reports

I made two disputes regarding an erroneous collection on my credit report with Equifax on XX/XX/2020 and XX/XX/2020. In the recent dispute, Equifax stated that " Consumer 's dispute not specific. Consumer Information verified. Account information updated : Information on your report has been updated. '' Yet, I gave specific information, including receipt of payment. They did not provide me with any proof from the collection agency, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, that showed their reporting was correct. 

I submitted a complaint to CFPB regarding XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, and originally was not going to submit a separate complaint regarding Equifax until I noticed what was said about information submitted was not specific. I have an excellent credit rating/score ranging from XXXX depending on the credit reporting agency and the date. I have not been delinquent on bills or had any unpaid bills for 20+ years. I definitely would have paid {$28.00}. This erroneous collection information on my credit report is negative and reduces my credit rating. I have paid the bill, given Equifax receipt of payment, and explained the situation with specific details. Upon denying my claim they also changed the report dates and the balance date to XX/XX/2020. The original report date by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should remain until they officially report otherwise. Equifax changed the date because of my dispute, not due to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting. 
Additionally, I have verified with XXXX XXXX that the account was paid and there is no dispute. I'm not sure what type of investigating Equifax did other than maybe contacting XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, who could not confirm the amount is owed when it is not due, if so they misrepresented information to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to get my credit report from transunion. When I call, they say everything is fine and I've asked them to send a copy via mail twice and I have not received it. It has been over a month. I have verfiied my identity like they asked by mailing my ssn and state ID. I signed up for the credit monitoring service which is $ XXXX/monthly and it's impossible to cancel. Their is not easy way. I have tried to cancel but the only way is to call customer service and wait extremely long.
Product: Credit reporting or other personal consumer reports

As stated in the Fair Credit Reporting Act 15 USC 1681 section 602a, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and Transunion are consumer reporting agencies, I am the Consumer. I have the right to make sure my private information isn't shared ( backed by 15 USC 6801 which states '' It is policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 'XXXX XXXX XXXX XXXX XXXX financial institution and the Consumer reporting agencies XXXX XXXX nor Transunion have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 'XXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. I would also like to add 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXeven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX nor Transunion maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of their reporting services effective immediately.
Product: Credit reporting or other personal consumer reports

NAVIENT STUDENT LOAN SERVICING ( BREACH OF PRIVACY ) ACCOUNTS XXXX, XXXX, XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information NAVIENT STUDENT LOAN has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
XXXX. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy NAVIENT STUDENT LOAN did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like XXXX, XXXX and TransUnion have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither XXXX, XXXX nor Transunion has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to XXXX, XXXX and TransUnion never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, XXXX, XXXX and TransUnion are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, XXXX, XXXX and TransUnion are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of XXXX, XXXX and TransUnion reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of a new inquiry on my credit report from XXXX. They referred me to Transunion to resolve it but my credit score has dropped as a result of this inquiry.
Product: Checking or savings account

I am writing to inform you that I have been scammed out of my saving accounts by {$100000.00}. 
On XXXX XXXX XXXX at approximately XXXXXXXX XXXX, I received a phone call from XXXX. The caller identified himself as XXXX XXXX, an investigator from Chases fraud department. I immediately verified the caller ID, which appeared to be correct from Chase, and therefore I believed the call to be legitimate. 
The caller informed me that someone had attempted to cash two checks from my business account and that I should transfer my money as fast as possible to other accounts and that I should go to the bank right away to move my money to new accounts. 
The caller insisted I keep all transaction receipts, which I have retained. Despite expressing my concerns and fears about being scammed, he reassured me repeatedly that I was helping JPMorgan Chase and the government with an important investigation. He emphasized that since the accounts that were created were under my name, that I should feel secured. All the receipts have the last XXXX digit numbers on them. Chase should be able to identify these fraudulent accounts by searching these accounts numbers.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

XXXX XXXX XXXX  is reporting bogus apartment debt. The account # is XXXX. I requested XXXX XXXX to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything
Product: Debt collection

XXXX XXXX XXXX XXXX ... they call my work number almost every day ... this has to stop