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

I am writing to file a formal complaint against Experian regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Experian, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Clarify the payment status, comments, balance and account number as I think they are erroneous. If you can not prove any of the information mentioned in the past credit report data that I contested with, I demand this account be deleted from my credit report. 

XXXX : Account number : XXXX, A ChargeOff Account with Balance? Are you sure you know what you're doing? How come you keep on reporting inaccurate information on my credit file? I demand the immediate deletion of this inaccurate information. 

XXXX XXXX  Account number : XXXX, How can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed there should be no monthly payment unless the status says now paying, was charged-off! Delete this account for inaccuracy. 

XXXX XXXX Account number : XXXX, There's no way you can update an account that I have no recollection of ever belonging to me. You need to remove this inaccurate information immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Account number XXXX XXXX, Since I did not authorize these companies to obtain my credit report, I demand that these items are REMOVED immediately and my credit score be adjusted accordingly. I appreciate your attention to this matter.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from Experian regarding the resolution of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX recently settled accounts personal line of credit XXXX XXXXXXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Settled
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name MERCHANTS & MEDICAL CREDIT Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX PST, my CashApp account was hacked and the {$30.00} was sent to someone I do not know and never had contact with. I did not authorize or complete the transaction myself. It was done when my phone was off and not in not in my hands. The person whom the money was sent to blocked me from being able to receive my money back from them. They also have multiple accounts with the same name but different XXXX. I reached out to support and they did not help. They said they couldnt verify the information even after I sent them everything they asked for. This has happened before and CashApp didnt resolve the issue. I even deleted the old account and changed my password, email, etc..I was left without the money that was supposed to be used for emergencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood. 
XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit 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 XXXXXXXX
Product: Debt collection

I recently pulled my XXXX major credit reports. This debt is appearing. It is not my debt. I have requested written XXXX from both of the collection agencies/law offices and the original creditor. I requested XXXX over 30 days ago. I have not heard from the original creditor or the collection agency regarding this debt. I supplied a copy of my ID, my social security #, and proof of address to all parties. I was never in their facility/hospital/office. I have shown proof of residence as well as tax documents to show my employment was NOT in their area. I want this deleted from my XXXX as they have failed to prove it is my debt. In fact when I call the original creditor they have an entirely different name and social security # listed in the original file. This is what prompted me to send proof of ID and social security number. This is NOT my debt and I want it closed and removed from my XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Getting a fair calculation of a credit score is beyond a major problem, It's XXXX XXXXXXXX bias to incorrect data! Data about the current scoring model shows that more than one in five XXXX consumers and one in nine XXXX consumers have FICO scores below XXXX ; meanwhile, one out of every 19 XXXX XXXX are in the sub- XXXX category. 
I certainly found out why that is true. I recently had loans forgiven and also paid down debt totaling nearly {$25000.00}. My score only went up XXXXXXXX XXXX XXXX XXXX I called XXXX on XX/XX/XXXX  and questioned the score. I was told that they had nothing to do with score calculations and that it is calculated by a computer after it receives certain information. I could hardly believe I was hearing this explanation. 
I was then told I had to work at making my payments on time and my score would raise a little bit at a time each month. I was treated like my score was in the low XXXX. I told her that my score was XXXX at XXXX and it's XXXX at Equifax. She was speechless. This certainly proved the scenario that I included in the beginning of this complaint had indeed some truth to it. The agent I spoke with talked to me as if I was another XXXX person with a bad credit score. 
Not only did the agent and supervisor think the XXXX XXXX score was fair, they let it sit on may report for 60 days before acknowledging it which purposely delayed the XXXX increase. XXXX XXXX! In what world is this close to being fair?! 
I am asking for my REAL credit score and for someone to examine the current scoring model that they use each day because it is definitely unfair and biased.
Product: Mortgage

This sham company is robo calling me from my original reaching out to this near bankrupt company over XXXX years ago! No, I am not interested in a mortgage or your products! Immediately, cease and desist all phone, email and US mailings. My number is : XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX Date of Inquiry XX/XX/2024
Product: Credit card or prepaid card

XX/XX/XXXX : Received email from KeyBank, who issues a pre-paid debit card pertaining to child support payments made to the Alabama Department of Human Resources ( DHR ) Child Support division, about " rewards expiring. '' XX/XX/XXXX : Received another email from KeyBank stating it is my " last day to redeem your rewards! '' XX/XX/XXXX : Called KeyBank ( XXXX ) to confirm card ( which expired XX/XX/XXXX ) was cancelled. Told by XXXX ( KeyBank ) she could not close the account as the AL Child Support needed to make that request. Asked to speak with supervisor. Spoke with XXXX and she recommended I call XXXX  XXXX, gave me the XXXX phone number ( XXXX ) and said she hoped I could resolve the issue. 
XX/XX/XXXX : Contact XXXX  XXXX to request closure of card. Told they no longer do business with KeyBank and would not be able to contact KeyBank to close the card. Stated the card is in my name and I need to close it. 
XX/XX/XXXX : Contacted CFPB to ensure that KeyBank is required, by law, to close the account at my request since the card is in my name and uses my information to retain that card and spoke with XXXX. 
XX/XX/XXXX : Contacted KeyBank, spoke with XXXX, who escalated my issue and said I would be called back within 24-48 hours. 
XX/XX/XXXX : XXXX, a supervisor from KeyBank, called and he said he is unable to close my account due to the company policy that XXXX XXXX will need to make that request even though the account is in my name.
Product: Checking or savings account

I received an improper charge from XXXX for just going online to research a possible trip. So I called Bank of America to speak to someone in the fraud division on Saturday, XX/XX/XXXX. I was on hold for over an hour waiting for a member of that division to answer the telephone. This is in addition to the bank continuing to provide less than satisfactory customer service to customers who frequent its local bank in XXXX XXXX XXXX Florida due to understaffing of personnel. The Manager there, XXXX, is doing a remarkable job trying to satisfy customers who simply dont have sufficient numbers of bank employees to speak with because of the understaffing. Coupled with long waiting times on hold, Bank of America is failing its customers
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that I had promised to pay NELNET {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : XXXX XXXX XXXX XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only one who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without XXXX, XXXX XXXX
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 -ACCOUNT NAME : XXXX XXXX XXXX XXXX Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number: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: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered an open account on my credit report. On the account it states I have an unpaid XXXX XXXX credit card/account with a balance of {$6400.00} dated back from 2012. 

I have not opened a XXXX XXXX account of credit card in my name. I contacted XXXX XXXX customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

Thank you
Product: Money transfer, virtual currency, or money service

I have been unable to access my grain technology account for about 6 weeks or so. 
grain technology is a digital credit card that works with your current bank account. 

the issue started on XX/XX/XXXX after calling and not being able to get in touch with anyone. 
I sent my first e-mail on XX/XX/XXXX to grain support I've attempted to call several times to speak to someone about me being locked out of my grain account. I've left messages detailing the urgency of someone getting back to me. 

I've emailed periodically detailing that I am in the process of buying a house and wanted to pay my bill in full fearing that my credit utilization would get too high and hurt my credit score. all I keep getting is an automated email saying someone will contact me in 2 days and grain never does. 

still not have been able to speak to someone from grain.
Product: Checking or savings account

I made XXXX $ and XXXX $ transactions online from my marcus to a joint savings account which is owned and operated by me and my wife.

I. Missed a call from marcus 2 days later.

I tried reaching out to them back immediately but marcus could not connect me to relevant person. 

As this has happened they blocked my account.
Product: Credit reporting or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. 

Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. 

I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. 
dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. 

Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. 

Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. 



I sent my first letter in XX/XX/year> and XXXX additional letters after in regards to not only this issue but many more that is stated in the attached letter.
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. 
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. 

Account name : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXX XXXX # XXXX, Account name : The bank of XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name 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., Account name : # 1234, Account name : # 1234, Account name : # 1234, 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: Debt collection

I called on XX/XX/year> at XXXX XXXX XXXX. The call lasted XXXX minutes. I was calling to try to figure out what debt this was. I requested the information via email on XX/XX/year> at XXXX. I sent a copy of the email via Fax on XX/XX/year>. Tracking from the Fax shows they received the fax. I emailed a few more times. I sent a copy of the email via mail on XX/XX/year> with tracking. Tracking shows they received the letter. I called again on XX/XX/year> at XXXX XXXX XXXX to give the dispute via phone and they refused to accept it via phone even though the letter sent to me on XX/XX/year> says that I can call to dispute. They referred me to email again to file the dispute. I have contacted them by every single means they have available to contact them and they are not sending the information. I don't think they have the information and are planning to collect on debt by XX/XX/year> and avoid my dispute.
Product: Debt collection

Optimum Outcomes XXXX XXXX XXXX, XXXX, TX XXXX sent me a collection letter dated XX/XX/2021 and called me prior. On XX/XX/2021 I called Optimum Outcomes and spoke with XXXX. When I gave him my phone number and birthdate, he said it did not match and stated there is an error and it will be corrected and I can ignore. I also contacted the creditor and they said my account has no discrepancies. They have another member with the same name file and that may be the error. 
On XX/XX/2021 I mailed Optimum Outcomes a letter outlining the above and requested they provide me documentation regarding the debt, to cease contacting me and to ensure no negative information passed to the credit bureaus. 
Since then, I've been contacted by Optimum Outcomes on XX/XX/2021 and XX/XX/2021. 
I called Optimum Outcomes on XX/XX/2021 and spoke with XXXX and reviewed the above information. She again verified my personal data did not match what they had on file. 
I've mailed Optimum Outcomes another letter on XX/XX/2021 to dispute the collection and to cease contacting me. 
I called the creditor on XX/XX/2021 and she sent her Account XXXX an email to contact Optimum Outcomes to correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On [ XX/XX/2021 ] I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.