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

I am submitting this formal complaint regarding Experians violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experians failure to uphold consumer protections under the FCRA. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer XXXX credit report, including a fraudulent credit card account at XXXX XXXX  opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX XXXX  opened on XX/XX/XXXX under account number XXXX, and a fraudulent inquiry from XXXX XXXX. These fraudulent accounts and inquiries have resulted in several hard inquiries and collections appearing on my credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report within four days of receipt and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal dispute to Experian regarding multiple accounts on my credit report that I believe to contain inaccuracies or unverifiable information. The accounts in question include : XXXX ( Account # XXXX ) with a balance of {$19000.00}, reporting late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX ( Account # XXXX ) with a balance of {$14000.00}, reporting unverifiable late payment information. 
DEPT OF ED/XXXX ( Account # XXXX ) with a balance of {$330000.00}, deferred until XX/XX/XXXX, lacking proper verification of ownership and accuracy. 
XXXX ( XXXX XXXX XXXX XXXX Account # XXXX ) with a balance of {$2100.00}, reporting multiple late payments in XXXX and XXXX. 
XXXX ( Account # XXXX ), a paid and closed account, inaccurately reporting a 30-day late payment in XX/XX/XXXX. 
In the dispute, I specifically requested that Experian : Open an investigation into the accuracy of these accounts, as required by FCRA 611.

Verify the accounts with documentation from the furnishers, including original agreements, payment histories, and proof of compliance with reporting guidelines. 
Remove any accounts that can not be verified within the statutory XXXXday period.

As of today, I have not received any response or notification regarding the status or results of my dispute. This lack of action is a violation of Experians obligations under FCRA 611 ( a ) ( 1 ). Their failure to provide verification or remove inaccurate information has caused undue harm by leaving potentially inaccurate and unverifiable accounts on my credit report. 

I am requesting CFPB intervention to ensure that Experian complies with the law, completes the investigation, and either verifies or removes these disputed accounts promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my XXXX XXXX. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXXXXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXXXXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXX Bank for XXXX. I dispute this account as I have no memory of opening an account with XXXX Bank or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX  or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXXXXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my XXXX XXXX. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
CREDIT + Please attach copies of the following documents : Agreement that you have authority to collect on this XXXX alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that XXXX the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX XXXX XXXX XXXX
Product: Credit reporting

Hello, I contacted XXXX many times to remove this false information from my credit report. XXXX XXXX XXXX XXXX XXXX gave this company my credit information. My husband took my XXXX daughter to this hospital for treatment. My information was in their system, as I have been a prior patient. Somehow this collection agency reported this bill to my credit, when my husband was the primary holder on his health insurance, and this was not reported on my husband 's credit, when he was the parent that signed for my daughter at the hospital. I did not authorize XXXX to release my credit to a third party agency.
Product: Credit reporting or other personal consumer reports

I don't know these inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report with the name of XXXX. It says that it is an auto loan. I have never had any dealings with XXXX. I have asked the credit bureaus to investigate this information but they are not doing the job. This is hurting my credit report a lot and i need this deleted!!!
Product: Debt collection

I am filing this on behalf of my XXXX Adult Daughter who suffered a XXXX in XXXX. Lake City Credit has been sending her notices that she owes them {$1200.00} for overdraft amounts on her checking account with XXXX XXXX. 
My Daughters name is XXXX XXXX XXXX and she has not had an account with XXXX XXXX  in XXXX, Oregon since XXXX of XXXX. She is with XXXX XXXX XXXX XXXX and I have access to her account to help her manage her finances. 
On XX/XX/XXXX I contacted the XXXX XXXX  Branch in XXXX and spoke with XXXX who reported that XXXX XXXX  only keeps records for 7 years. He also said they do not have a relationship with Lake City Credit in XXXX XXXX, Texas. I then called Lake City Credit and requested they provide documentation and proof of this debt. They could not and would not. I suggested that I was going to contact the Justice Department in Oregon and they transferred me to a supervisor who then hung up. I assumed this was over but we have now received another letter from Lake City. We would like them to cease and desist and request your assistance on this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I am concerned about the inclusion of late payments on my consumer report, which I believe violates my rights under 15 USC 1681 Section 602. As outlined in 15 USC 1681 Section 604a ( 2 ), I maintain the right to privacy and stipulate that a consumer reporting agency can not furnish an account without my explicit written instructions, as stated in 15 USCS 1666b. Furthermore, under the FCRA, a creditor is not permitted to treat a payment on a credit card account under an open-end consumer credit for any purpose without proper adherence to the regulations
Product: Credit reporting or other personal consumer reports

F

irst and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

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

I have no knowledge of this collection account that is reporting on my credit report im a victim of identity theif .Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two XXXX XXXX?? credit cards on my account shown and one of them are in good standing, and XXXX is not mine, and try to fix it but coming back verified as correct but it is not correct its showing our joint account I am married to XXXX XXXX thats my spouse your other account shows the account XXXX XXXX Im disputing shows joint Responsibility this account was never mind at all, My report is very good until I saw this on my report and tried to disputed. 

XXXX XXXX XXXX {$10000.00} Opened XXXX
Product: Credit reporting or other personal consumer reports

I disputed this account due to inaccuracy with all three credit bureaus but they said it was accurate. There are clearly multiple discrepancies such as : account status, date opened, term, last reported, date last active, and date of last payment. How this information was found to be accurate is baffling as this clearly is a violation of the FCRA. There are so many discrepancies to the point this information can not be reliably updated, the only option is removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information was compromised via the Equifax data breach a few years ago.
Product: Credit card

I call customer service and they will not close my credit cards account, which I just paid off and has a XXXX balance. BMO is the bank and customer service is at XXXX. They told me I have to go to a branch and then they hung up on me. There are no BMO banks with XXXX miles of me.
Product: Mortgage

Im a veteran with a VA loan. My mortgage has recently been transferred from XXXX XXXX to Mr Cooper at the end of XXXX. Meanwhile I sent XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX as I only became aware of this transfer after I submitted the payment. So far Mr Cooper hasnt been helpful even though I provided bank statements and mortgage statements from commerce that XXXX payment has been made. Recently they threatened me to report credit bureaus. Please help!
Product: Money transfer, virtual currency, or money service

Bank location : TD bank, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Representatives : XXXX and XXXX ( supervisor ) On XX/XX/XXXX, I deposited a total of {$1500.00} into my account via the bank 's ATM. This consisted of four money ordersthree for {$350.00} and one for $ XXXXand {$140.00} in cash. Two hours after making the deposit, I checked my mobile banking app and noticed that the amount had been adjusted to only {$870.00}, resulting in a shortfall of {$700.00}. 

I was informed that the money orders were considered 'illegible, ' which I find hard to believe. These money orders were of the same quality and format as others I have successfully deposited in the past. I even requested the return of these so-called 'illegible ' money orders for my own verification, but this simple request has also been delayed without any clear explanation. 

Over the next three months, I visited the bank six times to resolve this issue. Each time, I was told to wait for a response. Frustratingly, no resolution or clear timeline was provided despite multiple visits and conversations with the bank staff. 

Since the issue arose, I've had to borrow money to meet my rent obligations. This has led to additional financial burden as I am incurring interest on the borrowed amount. I have requested the bank to correct this error and deposit the missing {$700.00}, as well as provide a timeline for resolution, but as of now, the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian Information Solutions , Inc . 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian Information Solutions , Inc. ( Experian ) regarding their handling of my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). This letter outlines the issues I have faced, which I believe merit your attention. 

Since XX/XX/XXXX, I have disputed inaccurate information on my credit report a total of 36 times. Despite my repeated efforts to resolve these discrepancies, Experian has consistently failed to reasonably reinvestigate my disputes. Specifically, I have encountered the following issues : 1. Failure to Forward Relevant Information : Experian has not forwarded all relevant information regarding my disputes to the data furnishers. This omission has resulted in the continuation of inaccurate information on my credit report.

2. Inadequate Notice of Dispute Outcomes : On numerous occasions, I have not received adequate or accurate notifications regarding the outcomes of my disputes. This lack of communication has left me in the dark about the status of my credit report and the inaccuracies affecting my credit score.

3. Unreasonable Procedures : Experian has not utilized reasonable procedures to ensure the accuracy and completeness of the information in my file. As a direct result of these failures, collection companies have updated and re-reported inaccuracies, further compounding the negative impact on my creditworthiness.

4. Failure to Properly Investigate Disputes : Under 15 U.S. Code 1681, Experian is required to conduct a proper investigation of disputes. However, they have not fulfilled this obligation. Instead, they appear to be relying solely on the information provided by the creditor or collection company, without conducting a thorough review of my claims.

5. Lack of Document Verification : Furthermore, Experian has not pulled actual documents to verify the accuracy of the accounts in question, as mandated by 15 U.S. Code 1681. This lack of due diligence compromises the integrity of the credit reporting process and continues to affect my financial opportunities.

The ongoing inaccuracies in my credit report have significantly hindered my ability to obtain credit, affecting my financial well-being and opportunities since XX/XX/XXXX. The persistent issues I have faced with Experian violate the FCRA and the CFPA, as I believe they have acted negligently in their duty to maintain accurate consumer information. 

I kindly request that the Consumer Financial Protection Bureau look into this
Product: Mortgage

I had sent Cardinal Financial my XX/XX/XXXX monthly mortgage payment ( due on XXXX XXXX ) on XXXX XXXX in the form of XXXX different money orders of {$990.00} each, for a grand total of {$2900.00}, in a single envelope. But the bank only cashed XXXX of them for {$1900.00} on XXXX XXXX and applied that amount towards principle, as my total monthly due amount is {$2700.00}. In essence they lost the third money order. Upon inquiring they requested me to send them copies of the money order receipts, which I scanned and sent them promptly on XX/XX/XXXX. The receipt images I sent were of very high resolution, they clearly show each and every detail, including date, money order number etc. They replied saying they would investigate and get back to me by " the time permissible by law ''. I never heard from them after that. I proactively called the money order issuer, in this case XXXX XXXX, and verified that the money order in question has not been en cashed so far, even until today. 

I had been constantly calling Cardinal Financial inquiring about this issue, they kept saying they need additional time to investigate. When I called them today they said they need additional information to investigate, without clearly telling me what. After spending 1/2 hour on the phone with one of their supervisors she said they need photo copies of the original money order. If I had the original money order with me to take a photo copy and send them, we would n't be in this situation. We are here because they misplaced my money order. 
Since they are not being very helpful I called XXXX to see if they can cancel the money order and refund me the money, they said I need to submit a written request with all the proof. But, they would charge me {$18.00} as processing fee. I decided to take this route as Cardinal Financial was n't providing any solution even after a month has passed, making me nervous about my {$1000.00}. 
I called back Cardinal Financial requesting to reimburse my expenses but they denied, though they are clearly at fault. Their customer service department has been making run pillar to post blaming their internal resolution department but each time they refused to let me talk to any one in this department. Its been a nightmare dealing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, XXXX, OR EQUIFAX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & EQUIFAX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Product: Credit card or prepaid card

I am still affected by XXXX XXXX, I can not get through to the company. I need a payment waiver. And I am not calling after XX/XX/XXXX. My payment is due XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX