23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian CreditBureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I noticed on XX/XX/2023 that several credit cards had been applied for in my name. I have not applied for any credit cards. The companies were JPMCB CARD SERVICES, XXXX BANK, XXXX XXXX, XXXX XXXX BANK XXXX, & XXXX. I need this remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has taken compete control of my identity which has been very overwhelming.I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report .and not sure who has my information or how they got it.I have been calling the credit bureaus explaining this but as of today they have not been and help.Please help me take my life back
Product: Debt collection

XXXX   XXXX ,  2016 {$34 .00} I talked with  XXXX  and said I could pay what they offered. Though, when I had more money to pay the account for full. " They did not fill in the remarks on the the credit bureaues, credit reporting agency 's ''. I said, I can pay for the full amount. They said no what was agreed you can pay for. During the conversation, I suggested to pay more. And initiated the clear communication I can pay for the full amount of  XXXX   XXXX  dollars. Then, she said no. Only the amount, you were talking with  XXXX  about. They were damaging my  credit score.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5500.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Credit card or prepaid card

I am asking with all my heart I been with the company for years now and I made a mistake in XX/XX/XXXX and XX/XX/XXXX I was going through a hardship and now I am back on my feet so now I am begging if you can remove my late payment. When I make this mistake I know nothing about credit now I am learning as I go I know I made this mistake I am just asking please to give me a chance just this once and I promise you wont regret it.
Product: Checking or savings account

I was contacted by someone claiming to be from my bank about suspected fraudulent activity on my account. This person claim to be helping me take care of the issue but instead he helped himself take {$1600.00} out of my account. When I filed a dispute with my bank it was denied, even after all the proof I provided of this scammer. When i called to request documentation as to why it was denied, i was told they would email me the documentation and this person supposedly filed a rebuttal to the dispute. I never got an email about the rebuttal or documentation about my denial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Urgent Complaint Against Experian for Violations of the Fair Credit Reporting Act Experian Deleted My XXXXXXXX XXXX XXXX Account This Account is in good Standing, Now I Don't Have Any Open Tradelines To Whom It May Concern, I am writing to formally lodge a complaint against Experian, a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that Experian has failed to comply with its obligations under the FCRA, specifically regarding the accuracy of consumer reports, as outlined in 15 U.S. Code 1681e and 607 ( b ).

Experian has reported inaccurate information on my credit report, which is a clear violation of the FCRA. The law mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. However, Experian has not adhered to these requirements, which has severely impacted my creditworthiness. 
XXXX XXXX reports my account to all 3 Credit Reporting Agencies on a monthly basis.

Furthermore, I have substantial evidence indicating that Experian has engaged in " sham investigations '' of disputes I filed regarding inaccuracies on my credit report. Instead of conducting thorough reviews, Experian has dismissed my concerns without proper investigation, thereby violating 1681n, which stipulates civil liability for willful noncompliance. 

Experian has also accessed my consumer credit report without my written consent, further breaching the provisions set forth in 15 U.S. Code 1681a. This unauthorized access is a violation of my rights as a consumer, and I am entitled to pursue legal action against Experian for this misconduct. 

Given these serious violations, I urge XXXXXXXX XXXX  XXXX Investigate this matter as soon as possible. 


Thank you for your attention to this urgent matter. I look forward to your prompt action. 

Sincerely, XXXX THIS IS NOT A COMPLAINT THIS IS FOR YOUR REVIEW AS WELL.
Product: Money transfer, virtual currency, or money service

Chime.. XXXX XXXX  to XX/XX/XXXX... XXXX $ ..I reported money coming up missing..and chime basically shut my account down..My email and chime was hacked. My XXXX thru XXXX XXXX was also hacked too... I think I may have open accounts in my name I know nothing about..my XXXX account was shutdown..I also see I may have had XXXX obtained somehow. I keep seeing it my email. I need help please sorting this out...
Product: Checking or savings account

These are the events that I can remember. There are additional phone calls to the local branch that are not listed because nothing happened. 

XX/XX/2023 We opened up four savings accounts and one checking account using checks payable to each child at Chase Bank. 

XX/XX/2023 Checks were cleared from XXXX XXXX XXXX  ( Account that wrote the checks ) Around XX/XX/XXXX we received a letter in the mail for one of the savings accounts stating that the account was going to be closed. I called the number on the letter and the guy said the monies appeared to be fraud. After explaining the children work for our family business and the check was written from the business account, he said he was able to verify it and I just needed to go in to the local bank office and reopen new accounts so the funds could be transferred out of their " holding tank '' and put into the new savings accounts. I immediately went to the XXXX XXXX, FL branch and XXXX, the banker, called and verified everything and opened new accounts so the funds could be put back in. They were supposed to have the funds in the account in a few days. 

In early XXXX, I received a bank statement in the mailbox for XXXX of the accounts and noticed the account balance was still XXXX. I call the XXXX number and talked with XXXX, a supervisor. She said she couldn't verify me as an owner on the bank account that cut the checks, which is why they did not release the funds back into the accounts. She told me to take a copy of our business ' Articles of Form, Articles of Organization, Articles of Corporation or EIN into the local bank. The next day, I called the local bank and talked with XXXX, a banker, who was going to work on resolution. She said she uploaded our Articles of Organization. 

On XX/XX/XXXX, I called the local bank to verify funds and nothing happened. The Branch Manager told me the need to verify me ( again ) and asked me to submit a copy of our EIN. I emailed it to her the next morning. 

On XX/XX/XXXX, I called the local bank again to see if the funds were put in the account. The branch manager said she saw in the notes that it had just been approved and the funds should appear in a few days, as early as Saturday morning. 

On XX/XX/XXXX, ( today ), I called the local bank to verify whether or not the funds were put in the accounts. XXXX, a banker, told me she checked the accounts and they were closed because there were no funds deposited into the account. She said she could reopen them if I came into the office with my ID and put money into the account. I refuse to do this ; they already have more money than they should from us.
Product: Credit reporting

XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX
Product: Debt collection

I sent a debt validation to the creditor XXXX XXXX XXXX to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called Cascade Capital LLC. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempts to establish an online account with Equifax for the purpose of obtaining my credit report and managing the freeze on access to my credit file have failed because Equifax claims my actual date of birth conflicts with the date of birth provided by a creditor ( which they refuse to identify ). My credit file has been in existence since the 1970s. I have no control over typos that may have been committed by someone employed by one of my creditors or by someone at Equifax. Interestingly, Equifax accepts inaccurate data provided about me by creditors but refuses to accept data about me directly from me DESPITE having verified my identity sufficiently to take other actions regarding my credit file at my request. When my wife and I finally got transferred from an XXXX call center to a U.S. ( allegedly ) Equifax supervisor on the phone, she casually hung up on us mid-sentence. Of course, Equifax staff is at liberty to treat consumers with disrespect and contempt as we have no way to opt out of this system. We contacted Equifax via XXXX XXXX, and were told to expect a call from someone within 48 hours. I guess we're supposed to sit by the phone for the next two days? Additionally, it appears that some creditors have misspelled our surname when reporting to Equifax regarding my wife, so she has several aliases that were invented and submitted by creditors on her credit report which she is also unable to have corrected without mailing sensitive personal data to these XXXX. This is absurd! Equifax should have been forced out of business after the data breach. Instead, they have been permitted to capitalize on their incompetence.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2022 XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because l need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you,
Product: Mortgage

I have reached out to PNC on XXXX separate occasions, over a 1 year period to attempt to obtain a modification. The HELOC is the only loan on the property. When the HELOC was obtained PNC incorrectly assessed the value of the property to obtain a larger line of credit. The property value is currently XXXX and the HELOC due is XXXX. Our income has greatly reduced and PNC has been unfairly charging us our monthly payment. They have been charging more than required, in an effort to force default on the HELOC. When we have contacted PNC I have been told a modification is not an option and if I do n't agree I can submit a request in writing and receive a response in 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$27000.00}, XXXX XXXX Balance Owed : {$2500.00}
Product: Credit card

My Synchrony paypal card was closed and now I can't access my previous statements
Product: Student loan

The school attended was University XXXX XXXX XXXX campus ( online ) and I was not given the option to obtain a federal loan. The University XXXX XXXX XXXX campus only offered XXXX XXXX ( Navient ) loans and I was under the belief that in order to obtain a XXXX  degree that I would have to take out a loan from XXXX XXXX ( Navient ). There was no other option outside of not going to school. I am questioning whether XXXX XXXX ( Navient ) and University XXXX XXXX have a business relationship in which students are strong armed into applying for a XXXX XXXX loan ( Navient ) because there are no other options. 

My second issue is the high interest rate that XXXX XXXX charges ; my payments are directed to my interest and not my balance so at that rate I will never remotely pay off my student loans. I will also question XXXX XXXX ( Navient ) payment policy. I have contacted Navient in order to try to work out a settlement or a way to relieve the burden and they are unwilling to assist me in anyway. That is why I am not filing a complaint.
Product: Debt collection

Im contacting you in regards to a notice stating that I owe {$3700.00} to XXXX XXXX XXXX, located in XXXX. Ive never been to XXXX and Ive never lived there. I contacted the company to see what was going on and they had no record of me ever dealing with them. 
This is a complete scam from some collection agency called Contract Callers Inc. 
Can you please help me with getting this fraudulent claim and charge off of my credit report and help me get my credit score back to where it was before this scam happened? 

Thank you
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan for a {$1000.00} I did not realize the interest rate XXXX XXXX. I finally told my husband what I did and he had gotten very upset that I had taken out a loan with an interest rate of XXXX XXXX APR.

He said he thought that that was illegal interest rate in NC and should have not been allowed and the were taking avandage of me.

He gave me his debit card and told me to pay it of right now. I went online and used his card to pay the account off. The next day the company would not use the card because it was not the card that was on file with them so they turned around charge my personal account is on file to payoff the loan without my permission and I did not have the money to cover the amount. He wanted to find out if what the have done was legal and can the get away of charging XXXX XXXX in interest.
Product: Vehicle loan or lease

I paid off my vehicle loan ( from Volkswagen credit ) in XXXX of XXXX. However, I still have not received the title for my vehicle. It is now nearly XX/XX/XXXX. 

I can not check any information about my loan in the Volkswagen Credit online portal because they deactivated my account once the loan was paid off ( without notifying me ). 

I have had other issues with this lender, including them not notifying me when the loan was paid off and continuing to accept auto payments after this point. I was ultimately reimbursed for these overpayments, but only after I reached out to the company.
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 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 notify consumers of dispute outcomes adequately. 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 correction action to remove or amend the disputed accounts as Experian 's inaction violates federal laws and my rights as a consumer.