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

I am writing this complaint to Experian regarding the inaccurate information that's reporting to my consumer report. The creditors reporting the accounts and information its a violation of my right to privacy in which I never gave them consent to purchase nor share my personal information with anyone. I am asking Experian to investigate and remove any account that doesn't belong to me. 

Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Student loan

I'm requesrting the status of my discharged application. XXXX who is the service provider for my student loans is stating they are waiting on a decision from Department of Education
Product: Credit reporting

On my credit report the account with XXXX XXXX XXXX was opened XXXX/XXXX/2008. As of today this has not been removed from my credit report. The XXXX clock starts ticking XXXX days from the date ( month and year ) of the first missed payment that led to charge off, collection, foreclosure or repossession. 
" The XXXX ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance company raised my rate due to a temporary suspension that was reported on my dl from XX/XX/XXXX - XX/XX/XXXX. This is an error as I have had no contact with anyone or anything this entire year that would even imply that my license was suspended, let alone reinstated, without my knowledge. 

My insurance company keeps pointing at lexisnexis, lexisnexis is pointing at the dmv, and the dmv is pointing back at my insurance company. 

It is costing energy and effort to try to set something right that they all agree is no my doing, or my fault, but no one wants to step up to fix the issue. 

My insurance company maintains that lexisnexis has the power to remove the incorrect information from the record. Lexisnexis maintains that it is the dmv 's records that need to be edited. The dmv has given conflicting information I spoke to all these entities today, Tuesday, XX/XX/2020.
Product: Vehicle loan or lease

On XX/XX/2023, I applied in good faith for a 2023 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The vehicle is shown here XXXX XXXX XXXX. Despite my consumer report having no derogatory accounts, the dealership discriminated against me and consequently, so did ALLY FINANCIAL. On XX/XX/2023, XXXX XXXX XXXX, known also as XXXX XXXX Washington, submitted my application to ALLY FINANCIAL and stated that ALLY FINANCIAL 'S response was that of Adverse Action, despite my right to initiate the consumer credit transaction. On XX/XX/2023, I called ALLY FINANCIAL requesting why was I denied. According to the representative, " possibly '' due to my credit score. This is a violation of federal law and is congruent with the act of discrimination. There are no federal laws that states a credit score can influence the denial of my right to extend credit. 
I have reason to believe and do so believe that ALLY FINANCIAL may have discriminated against me. The dealership encouraged that I place a large down payment on the application to influence their decision, however, I'm well aware that pursuant to 15 USC 1605, a downpayment is unlawful and must be included within the finance charge.
Product: Checking or savings account

I been having these problem initially started when I went to the store and made a transaction at a XXXX XXXX store XXXX XXXX in XXXX OR for XXXX, I didn't want to use my debit card, so I use my food stamps card. The store clerk said I was not charge to my account or card shortly after leaving the store I check my account the XXXX was debit from my account and there was a reverse fee for XXXX. The next day neither one of them was on my statement or was the money back in my account.
Product: Checking or savings account

XXXX XXXX OMB controller currency CFPB mortgage loans originator XXXX I have not received any funds or can open any account dealing with my shares in the company people using false information tampering with investment funds trust account giving me problem about setting up weath management account I'm asking if you don't have shares in the company refusing to open my account so I can management my asset stocks an shares personal funds holding on to no body fille any taxes fraudulent sents 2020 who is handling my funds why haven't my wealth management not being provided trust account irrevocable trust grantee requested XXXX XXXX holding fund 's from me illegally activities operation tampering with my account I'm requesting stocks documents someone claimed owner shipp powers of attorney over asset tired getting turn down were is my funds at open my weath management account stop asking me to pay funds already in my broker 's account brokers account need to be open tired fille lawsuits file report tampering with my funds not filling taxes
Product: Vehicle loan or lease

I called to apply for a vehicle refinance and the lady I spoke with was telling me the lowest and the highest amount I would be paying if approved along with gap coverage. I gave her all my information then got a call saying that it was a fraud alert on my credit and they had to verify that it was me with additional information and the gentleman said thank you we will notify you with the decision soon. I got an email today stating that I was denied.
Product: Credit reporting or other personal consumer reports

I'd like to appeal the inclusion of inaccurate information on my credit report, which has resulted from identity theft. I request that you promptly investigate and remove the following false information from my credit report for I have already submitted their requirement and that is to file my complaint in Federal Trade Commission or FTC. I am a victim of identity theft, and I have no knowledge of how my personal information was compromised. Furthermore, I have no awareness of any suspects involved in perpetrating this crime. It is important to clarify that I did not obtain any financial gain, goods, or services as a result of this identity theft. The fraudulent accounts and activities reported on my credit file do not reflect my financial behavior or history accurately. I respectfully request that Equifax block and remove the inaccurate information associated with the fraudulent account from my credit report. 


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

The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. 

XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 

1. XXXX XXXX XXXX XXXX XXXX XXXX : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a zero balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 

2. Syncb/Walmart XXXX XXXX XXXX : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 

3. XXXX XXXX XXXX XXXX XXXX  : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 

4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Delete for inaccuracy, because actual payment amount is missing.
Product: Credit card or prepaid card

On XX/XX/2021 I filed a complaint against Bank of America on the CFPB website about an account that I allegedly had with them that was reporting inaccurately on my credit report for all three credit bureaus. More than two months have passed and Bank Of America has failed to respond to my complaint or send a request to the credit bureaus to have the item deleted from my credit report and this is a Fair Credit violation. For example XXXX has on my credit report that the BANK OF AMERICA credit card went into a charge off status in XXXX, 2021 and this is false. XXXX and XXXX also have different charged off dates as well. I have never no knowledge of ever having an account going into a charged off status with Bank Of America. 
I was overseas in the military and when I came back and when I tried to apply for credit it denied stating that I had a charged off account with Bank Of America. I called the bank to question and disputed this. I then asked how this could be removed and the agent I spoke with told me what I had to do to get the item deleted off the account. I did that and then I called back two months later as the negative item was still been reported on my credit report. The lady that I spoke with said that she was not seeing that I owed the bank any money and that she was going to have the negative item removed from my credit report and up to this date nothing has been removed. 
I explained to the rep that I had lost my wife and a child to XXXX XXXX and it was a really traumatic time for me and my remaining members of my family and she sympathized with me. I told her that I was trying to get a comfortable place for my family but the charged off listed on my credit report by Bank Of America was preventing me from doing so. She told me that Bank Of America was a very caring bank and would do whatever possible to make my situation better during this troublesome time that I was and I am going through and she promised me that she would have the negative item removed from my credit report but to this day the negative item has not been removed from my credit report. 
So, those bank of America agents lied to me and that is quite sad. All I am asking is for Bank Of America to please send a request to the credit bureaus to delete Bank Of America from my credit report immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of the debt XXXX XXXX XXXX XXXX seeks to collect. I am not certain I actually authorized this debt for many reasons. I have not resided in XXXX, NE since XXXX this debt was accrued in XXXX. My wife is usually the responsible party for all medical matters as she is typically the one who takes the children to the doctor. The hospital had a bad address on file. The debt collector has been unable to furnish anything used to verify identity prior to providing services. The account information I have been shown does not have any of my personal identifying information. 

FURTHERMORE, the collection agency is trying to collect an amount that is inconsistent with the original creditor 's records AND they have re-aged the account to make it appear newer than what it actually is to cause maximum damage to my credit report. Both actions are violations of the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Discover card was informed for, months by me that charges were on my card from companies of which I did not authorize to charge my card., instead of fixing the situation they allowed it to escalate into a situation wherein multiple unauthorized charges from XXXX, and other entities were billed to my card. 

They claimed that because the bill continued to be paid after these charges were made although I notified discover multiple times for months that something was wrong that they will not reimburse me as the promised.. 

The charges are fraud, not made made nor authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company CREDIT COLL ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX Account. 

Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision. 

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations.

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations. 

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account.

In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA.

I anticipate prompt deletion [ DF ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

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

XXXX XXXX is a tribal payday loan company. I took a loan with this company but found out they are illegal to do business in the state of Florida after the loan was taken. I reached out to XXXX to delete the loan immediately from my credit files since they are not licensed to do business in FLorida. The company refuses to adhere to my state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX or INDEPENDENT XXXX CONSULTANTS IN. 
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. I check my credit report regularly, and today, out of nowhere, I saw these unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the wrong information didnt go away. Now, I'm requesting a thorough review of the documents Ive submitted so I can finally stop worrying about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. collection agency K.B.R Inc reported on credit report XXXX XXXX balance {$40.00} open balanceopened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

2. collection agency K.B.R Inc reported on credit report XXXX XXXX balance {$58.00} open balanced opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

3. collection agency K.B.R Inc reported on credit report XXXX XXXX balance {$120.00} open balance opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate.
Product: Debt collection

Transworld Systems Inc. sent communication via mail stating they are debt collectors and are attempting to collect a debt. XXXX dated XX/XX/XXXX ( exhibit A ) stated they were trying to collect a debt from XXXX XXXX in the amount of {$10000.00} and a response must be had by XX/XX/XXXX. The next communication received was dated XX/XX/XXXX ( exhibit B ) stating that XXXX XXXX allowed them to make an offer to regain card membership and reinstate the account. I then sent Transworld communication on XX/XX/XXXX ( exhibit C ) ; accepting the offer, disputing the debt, requesting validation, the name and address of the original creditor, and proof of contract to lawfully collect this alleged debt. I then received another communication from Transworld Systems Inc, dated XX/XX/XXXX ( exhibit D ), restating the same communication from XX/XX/XXXX. I have yet to receive any communication from Transworld in response to my acceptance of the offer within the communication they received. The consumer has never entered in a contract with Transworld Systems Inc. 
As stated in the communication sent to Transworld, I believe they may be an innocent purchaser of the alleged debt. As XXXX XXXX may not be in compliance with their prospectus. An audit of both accounts, XXXX XXXX and Transworld is being requested for tax purposes.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX