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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. The failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law and my rights as a consumer. 
Here are the accounts : My correct SSN My Correct Phone Number My correct address XXXX  XXXX auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX adjustment company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank had a problem with one of my deposits, then froze my account and will not let me access any of my accounts or any of my funds and shut off my cards and my online banking for up to 3 to 5 business days even though this had nothing to do with me And I provided them all the documentation to prove it
Product: Checking or savings account

I purchased XXXX tickets on XXXX in XX/XX/XXXX. And the show was cancelled and the tickets were refunded in XX/XX/XXXX. I should have to get the refund in XXXX, but I did not get it at all till XXXX. XXXX said they have already refunded me and I should find BOA. Therefore, I filed a claim with BOA to resolve this in XXXX. While I provided enough evidence to show that I should be refunded, however, BOA said that the claim is out of their time frames, which is so disgusting. My money could not get back .....
Product: Credit reporting or other personal consumer reports

the following inquiries on Equifax dont belong to me 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

I have not missed any payments in over a year. I have NO collection or deliquent accounts. I have submitted 3 disputes in the last year and my credit score remains XXXX  XXXX XXXX. I make over {$150000.00} a year, yet Equifax says my credit score is XXXX! Please help ... ... ... ....
Product: Payday loan, title loan, or personal loan

I OPENED AN ACCOUNT WITH A LENDER CALLED ONEMAIN IN XX/XX/XXXX. THE ACCOUNT WAS NEVER REPORTED LATE UNTIL XX/XX/XXXX AFTER THE LENDER REMOVED AN AUTOMATIC DRAFT AGREEMENT. THE AUTOMATIC DRAFT AGREEMENT WAS DONE BY PHONE, AND I GOT NO WRITTEN VERIFICATION OF THE AGREEMENT. 

THE LENDER ( ONEMAIN FINANCIAL ) TRIED TO RUN A LOAN FLIPPING SCAM BY AGGRESSIVELY CALLING ME MANY TIMES TO REFINANCE MY LOAN. THE REFINANCING OF MY LOAN WOULD HAVE COSTED ME HUNDREDS OF DOLLARS IN NEW FEES AND ADD ON PRODUCTS THAT WOULD HAVE BEEN ROLLED INTO THE NEW LOAN AT A VERY HIGH INTEREST RATE. AFTER MANY AGGRESSIVE CALLS ASKING ME TO REFINANCE MY LOAN, I ASKED TO BE PUT ON A DO NOT CONTACT LIST. I ALSO ASK FOR MY PAYMENTS TO COME OUT OF MY BANK ACCOUNT AUTOMATICALLY TO AVOID ANY FURTHER COMMUNICATION. INSTEAD OF PLACING MY LOAN ON AUTOMACTIC PAY FOR THE LIFE OF THE LOAN, THE LENDER PLACED THE LOAN ON AUTOMACTIC PAY FOR ONLY 12 MONTHS. THIS MEANS I WOULD HAVE TO SPEAK WITH AN AGGRESSIVE SALES AGENT AT SOME POINT IN THE FUTURE. AFTER THE 12 MONTHS OF AUTOMATIC PAYMENTS THE LENDER TERIMATED THE AGREEMENT TO AUTOMATICALLY DRAFT MY ACCOUNT WITH OUT NOTICE. I DIDN'T KNOW THE AGREEMENT WAS CANCEL, AND AFTER REPORTING ME 30 DAYS LATE THEY MAIL ME A NOTICE. I IMMEDIATELY BROUGHT THE ACCOUNT TO A CURRENT STATUS UPON RECEIVING THE NOTICE STATING MY ACCOUNT WAS OVER DUE. I NEVER HAD ANY 30 DAY LATE PAYMENTS ON THE ACCOUNT PRIOR TO THIS TIME. I WASN'T NOTIFIED BY PHONE BECAUSE OF THE DO NOT CALL STATUS DUE TO PREDATORY LENDING, AND THE LOAN FLIPPING SCAM AGAINST ME.
Product: Credit reporting or other personal consumer reports

I have reported an identity theft account to all 3 bureaus, i have provided a XXXX Police report and a FTC Report, XXXX has since removed the item from my report. XXXX and TransUnion are still showing it.
Product: Debt collection

On XX/XX/2018, i received an unsolicited email from " XXXX '' with the subject XXXX Account Information The body of the email states : Hello XXXX XXXX, If the reader of this message is not XXXX XXXX you are hereby notified that any review, dissemination, distribution, use, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by e-mail at XXXX, and permanently delete this message and your reply to the extent it includes this message. 

Important account information is now available regarding your XXXX Account. To view your this information, please click here. 


Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX GA XXXX XXXX I assumed it was a phising attempt and moved it to my spam folder. Also, I noted my FIRST name and LAST name were transposed. 

On XX/XX/2018, i received a written letter from Sequium Asset Solutions LLC that states I owed XXXX {$26.00}. I have not had XXXX XXXX   for several months and never received any notice that I had any past due outstanding balance. 

I called XXXX Customer Service at approximately 5:00 pm on XX/XX/2018 who confirmed I had no outstanding debt past due. 

This appears to be a sophisticated phishing scam.
Product: Debt collection

Sent a transmittal letter saying a account has been placed with agency for collection. I am a XXXX year old women and spent most of my time XXXX. It is not possible for me to have a debt of {$10000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Was told the wrong date for a hardship installment, was not informed until XXXX weeks later after I missed the first payment that I was no longer on the program and would be reported late for a payment that I had no idea had to be payed. Also my online account information is incorrect, does not show a pass due, just the date I had to pay ( the date I thought I did ) Company is practicing bad consumer relationships through whole process. Will not take any responsibility in causing me to be late.
Product: Student loan

This is not my debt I dont recognize this information is there anything that I can send into the prove.I have no acknowledgment of this information
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items : XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ).

The late payments are also obsolete information
that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ). 

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b.

Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ).

TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages. 

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding a recent collection entry that has appeared on my credit report. This new collection item is causing significant concern as it negatively impacts my creditworthiness. I have attached a copy of my credit report highlighting the disputed entry for your reference. I want to emphasize that I have not been previously informed or contacted about this collection account, and I dispute its validity. As per the FDCPA, I have the right to receive written notice of a debt within five days of initial contact. I have not received any such communication, and I believe that this collection entry may be in violation of my rights under the FCRA.

I kindly request that you promptly investigate the legitimacy of this collection entry as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : Verify the accuracy and validity of the debt, including its origin and amount. 
Confirm that the collection agency has followed all legal requirements, including providing me with written notice of the debt as mandated by the FCRA. 
I also request that you provide me with a written response within 30 days of receiving this dispute and complaint, detailing the actions taken to address this issue. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. Kindly assist me to delete this collection account in my credit report immediately : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX EXPERIAN : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company named " Portfolio Recovery '' keeps calling me everyday. I have no idea who they are and what they want. After researching, they are known as a biggest debt collector company. As far as I know, I have no debt collection to my knowledge. Since nothing showed up on my credit report, otherwise I would know. They would call, then I would block the number. Next day, they would call me with a different number. Block new number, and repeat. If I would have something in debt collections, I would have received a physical mail about the collections and I haven't received any form of debt collection mail in years. I'm very annoyed and feel harassed by this " Portfolio Recovery '' company.
Product: Debt collection

I received a debt collection notice about an old debt that was included in bankruptcy and confirmed by the State of Oregon. I did not even know that I still owe the debt
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting 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. 
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, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : it's also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information containing any adverse item of information other than records of convictions of crimes which antedates the report by 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

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. 

XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 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: Checking or savings account

My XXXX XXXX children have checking accounts, with debit cards, with Chase. Recently, my checking account was closed with a negative balance. After I was released from the hospital, I reached out to ask if the funds in the XXXX XXXX accounts would be used to resolve the balance in my closed account. I was told no. 

For the last week or so, we have tried, unsuccessfully, to access their money. We tried to withdraw it within the transaction limits from an ATM and have even walked into branches to withdraw or close the account with no success at all. These funds are my daughters ' XXXX and XXXX XXXX money. It is getting extremely frustrating that no one seems to know to release these funds to us so my children can have them.
Product: Debt collection

The debt was resulted from Identity theft i do not have knowledge of the account.
Product: Credit card or prepaid card

I noticed XXXX Credit Card today that I am unable to meet the minimum payment requirements. I had a change in income due to someone in my family losing their job. They informed me that there was nothing they could do and that they would not lower the monthly payment.
Product: Debt collection

Jefferson Capital System has a collection on my credit report for {$890.00} but i only owed the original credit card company ( XXXX  XXXX ) {$330.00}. I have proof of this. I also had an insurance policy with XXXX  XXXX and I informed them when I lost my job and they indicated to me the payments would be taken care of and next thing I know, I have a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$48000.00} ; XXXX XXXX Balance : {$9200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$21000.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 I opened an account with Discover Bank. I never ever missed a payment. I always have my account on auto pay. During my divorce, I had to cancel my joint bank account with my ex-wife and re set up my auto pay. When I realized that I had missed a payment I called right away and spoke with a representative to explain the situation. They told me that it was no issue and that all that i needed to do was provide the new account number and routing number to my new account. I provided that information accurately and was told by the rep that the payment was scheudeld for the due date. I later found out that the rep had incorrectly inputted the information into their system and because of their mistake my payment had not gone through and I now was showing up late and overdue and deliquent. I called right away in XXXX to not only recitfy the situation and tell them about their mistake but to have them look into the matter and look at their recorded tapes. I was told and confirmed by a manager that an honest mistake had been made on their behalf and that the information was inputed wrong. I gave them the account number correctly again for a second time and set up the auto pay. Not only did i bring the account back to auto pay i made a large payment and then cleared the account entirely of any balance. in fact they needed to credit me the money back. At this point I am considering legal actions and have reached out to an attorney. I would like for any delinquency to be removed from my records as it was not my fault and i am suffering damages in the process
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off in XXXX of XXXX, to remove personal information that I don't not want on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. 

These are clear violations of my my federally protected consumer rights.