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

Experian has neglected its legal responsibility under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, highlighting systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. These documented shortcomings mirror my own experience, as Experian has failed to either correct or remove inaccurate information from my report.
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. 

Account Name : 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 and list of Inquiries. 

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 or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving unresolved inaccurate or unverifiable accounts. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to voice my frustration and disappointed with the way Equifax ( and likely other ) financial and credit institutions protect our personal information. I was one of the tens of millions of individuals who were affected by the Equifax data breach. At the outset, three items are incomprehensible to me 1. Why is it not the case that ALL personal credit file is locked by default, and when an individual wishes to initiate a transaction that requires credit, the individual unlocks their credit file to allow the transaction to proceed, and then relocks the credit file upon completion. 

2. Why is it not the case that ALL personal credit information is encrypted when stored? Were this the case, a data breach would leave the bad guys with a lot of useless bits. 

3. Why is it that I have two-step authentication in place for all my personal finances and online data, and yet NO United States credit cards require two-step authentication to complete a transaction. 

Specifically with respect to the data breach at Equifax, my experience with them has been horrendous and a colossal frustration and waste of time. Three weeks after the publicly admitted breach, as advised, I performed step one of inquiring with Equifax as to whether I was affected by the data breach. I was informed that I was, and that I would be offered Trusted Id Premier and would be sent a link to enroll in two or three days. The link did not arrive for eight days. I used the link to enroll in Trusted ID Premier and midway through the enrollment process, their servers dropped my session, and I was told that I had to call a number at Equifax to complete my enrollment. I called that number ( after waiting on hold for 15 minutes ) and finally spoke to an Equifax representative. He informed me that I needed to speak to a supervisor and he gave me the phone number to call ( rather than connecting me directly ). I called that number and after waiting on hold for 30 minutes more, I was told that I had to speak to someone at Trusted ID. I spent two hours last night trying to call Trusted ID Premier, getting a mix of busy signals, or ringing through to be placed on hold and then later having the line dropped while on hold. I continued that until I finally got the message that I was no longer calling during regular business hours and that I needed to call back the next day. The next day, I rang through to an answering machine on my first try, and have now been on hold for 1 hour, 58 minutes, 52 seconds, and still counting. 
Even when, if, I do get connected, I do not have the confidence that my personal information is any more secure today than it was when the last breach occurred, or that any of the credit bureaus have either the motivation or ability to securely handle the personal information with which they have been entrusted.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 I received alert that my credit report was ran when the Citibank website specifically stated check to see you qualify for a loan without it affecting your credit score. I called to follow up on the concerns and got transferred 12 times to different departments.On the final transfer it went to Public affairs department when I asked to speak to public affairs.Also Citibank stated I to many inquiries when I only had 6 at the time. I am XXXX XXXX with Citibank XXXX XXXXXXXX XXXX XXXX XXXX  and I should not be treated that way after being transferred 12 times. I dont know if there is a language barrier between the overseas and United States call centers. 
I am requesting that the inquiry be removed because the website specifically stated that checking the rate will not negatively impact the credit.The message is in red letters on the app. I am assuming most of the banks are doing this screening out process now. I dont know why keep having issues with the customer service to the point that I got transferred to Public affairs office when I clearly ask to speak to a Supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus XXXX, experian, XXXX credit report And XXXX sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail
Product: Vehicle loan or lease

On XX/XX/2020, I entered into a financial agreement with CarMax, which included an interest component. However, I have recently come across information that suggests that I am in-fact entitled to a refund of unearned interest pursuant to USC 1615 , in the amount of {$18000.00}.
Product: Debt collection

The company further harassed me about the debt without providing the contract of the original debt to show that I owed the debt. Their fear tactics with a lawsuit has been going on for roughly six months. Never once have they granted me the contract or into details about the debt. I feel as though they violated my consumer rights and have been harassing me for the last 6 months.
Product: Checking or savings account

On XX/XX/XXXX, I tried to access my account I had for 4-5 years and could not. I called Ally and they said someone will call me within 2 days. On XX/XX/XXXX I called Ally and told them no one has called me. They told me again that someone will call me within 2 days. On XX/XX/XXXX, I called Ally again and again I was told that someone will me within 2 days. Today is XX/XX/XXXX and no one has called me. I can not access my money! 

Today, XX/XX/XXXX, I called Consumer Financial Protection and was told to fill out this complaint. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I provided experian with some concerns about some company flagging my account and receiving reports of my credit history that was not provided by me. I talk to a rep she advised me to put a freeze on my account. But this freeze never took place. Because when I checked companies are still obtaining information from my credit report. And I called experian 2 years ago about this concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$500.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX personal XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Back ERC Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Account number XXXX Date opened XXXX XXXX XXXX  Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX1 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

THIS IS A POD ISSUE I am the POA for a POD beneficiary. Bank of America has a copy of the POA on file in the Estates Unit. I went into the bank located at XXXX XXXX XXXX where my ID was validated and notarized and then the form was forwarded to the Estates Unit. The Estates Unit then mailed me the beneficiaries check made payable to the Beneficiary only. I took the check to the XXXX XXXX XXXX bank location and a copy of the POA to cash the check, I signed the beneficiary 's name ( by ) MY NAME, POA. I was informed I could not cash the check because the beneficiary did not have an account at BOFA. I reminded the bank manager that the beneficiary had been incarcerated for about 5 years and did not have docs to open an account. I was informed without the beneficiary having an open account, they would not cash the check. Therefore, with the beneficiary being locked up and no way to open an account, how does BOFA plan to issue the funds, if not to the POA nor will they wire the funds to Texas Inmates. I called the Estates Unit and was advised they would not and could not add my name as POA to the check in any way. When asked what could I do. I was told as far as they are concerned the matter is closed because a check payable to the beneficiary was issued. I explained if the check could not be cashed then BOFA would retain use of the funds which are not theirs. BOFA is fully aware that the beneficiary can't manage his financial affairs due to the POA they have on file. THEY SENT THE FORMS TO ME TO AUTHORIZE RELEASE OF THE FUNDS AS POA however, they will not allow me to CASH THE CHECK. PLEASE HELP! BOFA has developed a process to allow them take what is not theirs 's. One way or other ( via opening another account to deposit funds or issuing a check they refuse to honor. They will keep the money. The check issued amount is {$3400.00} check number XXXX, dated XX/XX/19. Remitter ID XXXX
Product: Debt collection

Transworld system is reporting this Alleged collection account-XXXX as if its unpaid when it should be deleted because we agreed upon pay for deletion years ago, This is hurting my credit score at a crucial time when the Criteria for getting apprived is now XXXX and  above because of corona virus
Product: Credit reporting, credit repair services, or other personal consumer reports

this second complaint is a different account ( HELOC ) NOT a duplicate complaint -- -- Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it's reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase does not have standing and never had any rights to bill me for the 16 yrs it has been collecting on this fraudulent account. This account was Washington Mutual then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.
Product: Credit card

I discovered the credit card company was charging me XXXX interest payments every month. I have never been charged XXXX interest payments before. I purchased a XXXX XXXX XXXX. The man who took my order kept asking me if I wanted to buy other items. I told him No. I told him I only wanted the carpet cleaner. When I received my bill he had added several other items. The charges he put on my bill caused the charges to go over my credit card limit. I have called the company to resolve this problem. I have chatted with them, faxed them a handwritten letter and mailed them a handwritten letter. The charges started in XXXX XXXX. The letters started in XX/XX/XXXX. They have consistently called me. In the letters I asked them to suspend and or close my account. I asked them not to continue adding the interest on my account. This was making it impossible for me to pay my monthly payment. They are asking me to pay XXXX plus as a monthly payment.This is Impossible. Please help me. They did delete some of the charges. Please look at my account. Thanks, for the help.It says they aren't suppose to ask for payments but they have asked for payments consistently.
Product: Checking or savings account

On XX/XX/2022, I was called by Chase Bank customer service. They stated my account had fraud and an unauthorized person was able to login to my account in another location. They stated I had to deactivate my account and create a new username and password. As we proceeded further the fake chase bank who identified as chase bank with their phone number and caller ID wired themselves money from my account. I did not authorize any of this. Nor did o ever receive anything from real chase bank to validate this wire transfer or label it as fraud. Chase bank did nothing to prevent ALL of my money from being wired to an account I never sent money to before. They 100 % impersonated chase bank employees using names, locations, numbers and ID numbers. I filed a claim to chase bank and they stated it was my fault. However, XXXX did nothing to prevent this wire. On top of this I reacted and was in chase bank on the phone with the scammer as it was happening. They did not react with urgency and did not care to do anything. They stated its my fault which is a lazy excuse to avoid helping a loyal customer. I am begging for help in receiving my money back as chase bank is the true issue here and not me. {$7600.00} was wire transferred to a XXXX XXXX XXXX bank on XX/XX/2022 XXXX est. 

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

Unauthorized inquiry, this is result of identity theft XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have attached my FTC report to this complaint as verified. there are multiple student loan accounts that have been placed on my credit profile using my identity, I have never applied for any student loans nor have I ever been late on my payments to XXXX XXXX XXXXXXXX nor XXXX XXXX credit card accounts, nor have I made an inquiry to XXXX XXXX nor XXXX, nor have I owed a debt to XXXX XXXX XXXX. 

I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

Discover closed my account on XX/XX/2018 with no explanation except for We are unable to meet your servicing needs. I had that card for almost 3 years and never missed a payment or made a late payment. I have contacted Discover multiple times to get an answer, but nobody seems to have one.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Companie 's response : " The XXXX XXXX Police Department ( XXXX ) was called to your residence because we received numerous emails from you that mostly contained verbal threats and curses. Because of this we contacted the XXXX to perform a welfare check. We take full responsibility for this mistake and apologize for any inconvenience this has caused you. '' 1 - They do not say how are you taking responsibility, or if the people who made this decision are being held responsible. 

How are the XXXX  taxpayer dollars being reimbursed? How are we being made whole? 

2 - I dont live in XXXX XXXX XXXX You can not even get basic info correct. 

3 - what THREAT did I make? EVER? SHOW ME. 

You XXXX LIAR. When you cost someone XXXX in refi interest savings from incompetence or maliciousness, you WILL PROBABLY GET CUSSED AT. 

4 - I told you 50 TIMES I was OUT OF THE COUNTRY. WHY would there be a " wellness check ''? I am doing WELL. 

YOU called the POLICE to HARASS my TENANT OVER DEBT that you REFUSED TO allow me to pay by not correcting the balance AND INCORRECTLY PLACING MISSED PAYMENTS DURING FORBEARANCE ON MY CREDIT REPORTS. 

That cost me the chance to save {$1000.00} in MONTHLY MORTGAGE PAYMENTS starting in XXXX. 

Multiply that over the remaining 25 years. 

YOU used the XXXXPD as your personal XXXX to harass my tenant while I TOLD YOU I WAS OUT OF THE COUNTRY. 

How could you find a " threat '' in those emails ( SHOW ME ANY THREAT ), AND NOT ALSO SEE THE INFO THAT I WAS NOT IN THE COUNTRY AT THE SAME TIME.
Product: Credit reporting

Transunion had a glitch in their system that violated MY rights under section 6.11. As a result I have been affected as well as my score. No notice was ever given to me -which is also a violation. Iam requesting that ALL inquiries be removed.