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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Items that need to be disputed : Experian 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute the inaccurate information reported on my credit file. Specifically, I have identified errors that remain on my credit report despite previous attempts to resolve these discrepancies. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for allegedly conducting sham investigations into consumer credit report disputes, as reported in the news release titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ( see : [ XXXX : XXXX ] ( https : XXXXXXXX XXXX XXXX The allegations state that Experians investigations into disputes were not thorough and failed to correct inaccuracies that affect consumers credit profiles. 

I have experienced a similar situation with my own credit report. Despite filing prior disputes with your agency, the inaccurate information remains uncorrected. As this issue is ongoing, I request that you review the disputed entries more thoroughly and ensure that all information reported to your bureau is accurate and up to date. According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. 

Please review my file and make the necessary corrections to the inaccurate entries. 

If these inaccuracies are not addressed and corrected promptly, I will have no choice but to escalate this issue to the CFPB and other relevant authorities for further investigation and assistance. 

I expect to receive confirmation that these discrepancies have been reviewed and rectified within 30 days, in accordance with federal law. Failure to do so will leave me with no choice but to consider all available legal remedies, including further formal complaints. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

Hunter Warfield are illegally reporting derogatory information regarding an apartment collection in the amount of {$5900.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with Hunter Warfield, nor have I provided any form of identification that would permit them to legally report such information. Despite multiple requests, Hunter Warfield has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In light of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against Hunter Warfield. Furthermore, I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. Hunter Warfield failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Product: Student loan

Prior to XX/XX/XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XX/XX/XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX Bank purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the six ( 6 ) loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XX/XX/XXXX, I did not authorize my endorsement for the private student loans taken in XX/XX/XXXX and XX/XX/XXXX. Also please let it be known that there is NO pending litigation on this dispute.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account had repeatedly been updated as a charged off every month. This is an update in the payment history. A charged off account should not include active payment history. This inaccurate information falsely manipulates the statue of limitations you failed to investigate this account properly after i asked you to do it twice and your neglect has violated my rights I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number XXXX
Product: Checking or savings account

I opened an account at c.p chase Morgan I have several claims that chase has been denying my claim saying authorized totalling approx XXXX. I supplied them with police reports. About my phone being stolen my ex roommate bring the culprit on which filed a police report twice. And chase still telling me it's authorized after supplying proof it was not me with no permission.
Product: Credit card or prepaid card

Hello I applied for Amegy bank amazing cash credit card back in XXXX XXXX  2017 by visiting a branch in Texas ( XXXX XXXX, XXXX ). The bank clerk accepted my paper application and took a photocopy of it. 
However, after 3 weeks, nothing happened with my application and no credit inquiry had been made. Therefore, I decided to withdraw my application because all this process was not professional. 
Anyway, that is not the case of complain. When I took my application back, I discovered that bank employee intentionally altered my application. They changed the type of the product I was applying for by using a sticky tape ans a  small piece of paper. I was not notified about this change. 

I contacted Amegy bank inquiring about this change and I was told that they made me aware of this change when I submitted my application which is not true and I have a witness, who was with me when I applied. Also, if it was true, the application would have been altered another way. We would simply cross the wrong choice and and choose another one and I would put my initials.Moreover, I would simply not applied for another product. 

This indicate that they altered my application without letting me know which violates the Uniform Commercial Code ( U.C.C. ) and fair credit act. 

Taking everything into account I would like CFPB to open a case against Amegy bank. 

Best regards XXXX XXXX
Product: Debt collection

Dear MoneyLion, I am responding to your contact about a debt you are trying to collect. You contacted me by mail on XX/XX/year> and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my originally requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay identify that person. Provide verification and documentation about why this is : debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Mortgage

THIS IS NOT A DUPLICATE : I recently submitted complaint XXXX against Loan Care for not forwarding my {$2000.00} ( sent XXXX/XXXX/2016 ) payment to my new servicer XXXX. I found out today that they finally did forward the payment to them, but {$170.00} short. I sent my payment for {$1700.00} with an additional {$200.00} additional principal payment. Today I received a Loan Statement from XXXX showing that they only received {$1700.00} plus {$31.00} additional for principal posted on XXXX/XXXX/2016, almost two months later. Consequently, they have pocketed {$170.00} that should have gone to my principal. They are also applying my principal payment almost 60 days late.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, I notifies USAA that someone had illegally taken {$4600.00}. 0ut of my saving Account. USAA said they would investigate and get back to me. After not hearing anything after a couple of days I called and finally was able to talk to a women in their fraud department.

She stated that a person by the name of XXXX had gotten information about my account from my phone and had used it to transfer money to his account after which he closed it. I don't know anyone named XXXX and I have never given anyone access to my accounts except my wife who also states that she doesn't know anyone named XXXX. 

On XX/XX/2024 I received a pdf transmission from USAA stating they had tried to retrieve the funds but had been unsuccessful and were closing the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.REMOVE THE FRAUD ACCOUNT ASAP!
Product: Vehicle loan or lease

My ally financial account # is : XXXX This account is XXXX years old. I have XXXX bank accounts stored on file in ally financial auto app I been using since inception of loan ( XXXX ) ... ... I RECENTLY FILED A CPB COMPLAINT AGAINST ALLY REGARDING XXXX LATE PAYMENTS THEY WERE REPORTING ... ... .after directly disputing with them & bureaus for two years & two years of THE only negative late payments, it was finally corrected as a result of my complaint with you all! 

Now I seem to be experiencing some retribution or hazing! 

My wife made a payment in amount of XXXX on XX/XX/XXXX using her XXXX XXXX routing/acct number ( XXXX ) which is listed on my ally app ( I been using ally apt to pay since day XXXX ) ally state payment was returnedXXXX XXXX  shows XXXX deducted on XX/XX/XXXX & there has been no return of money since. THE MONEY IS MISSING AS OF DATE then I personally made a XXXX payment last wednesday ( XXXX ) using my listed XXXX acct XXXX which Is again listed on account & used for last XXXX years. IT TOO WAS RETURNED! 

I looked in app to see payment info & why returned. It had an different last digit on account ( XXXX vice my account XXXX ) SO SOMETHING IS GOING ON!!!!! SOMEBODY IS PLAYING GAMES!!!! EVERY SINCE LATE PAYMENT DISPUTE! 

My XXXX payment account been used & stored for XXXX years. All I do is click on it! 

In fact, both MY XXXX & MY WIFE XXXX IS STORED. There's no manual input during payment just a click WELL I BERN CALLING SINCE XX/XX/XXXX ABOUT HER XXXX PAYMENT & NOW ABOUT MY XXXX PAYMENT & IM ON PHONE XXXX NOW GETTING TRANSFERRED OVERSEAS TO LADIES WHO HAVE NO CLUE WHAT THEY TALKING ABOUT. They refuse to put me on phone with supervisor here in states! LADY TOLD ME MY WIFE MADE XXXX PAYMENT USING SOME ACCOUNT # WE HAVE NO KNOWLEDGE OF. SHE ABSOLUTELY COULDN'T ANSWER HOW MY ACCT LAST DIGIT CHANGE. told me to ask my wife. LBS XXXX cans my XXXX payment but my wife 's XXXX been missing & not returned since XX/XX/XXXX!!! -
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear NATLCRSYS, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. It has come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a
violation of this statute, alongside the federal FCRA provisions.

I assert with certainty that I have not provided consent for NATLCRSYS to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws.

I demand that NATLCRSYS immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes.

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that NATLCRSYS will promptly rectify these violations, respecting my rights under the law.

Done in good faith.
Product: Credit reporting or other personal consumer reports

of closed accounts listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they maintain. As per the FCRA, any account that has been closed and shows a zero balance or has been marked as paid in full may be removed if it no longer reflects an accurate representation of my current financial status.

I request that the following closed accounts be reviewed and removed from my credit report : [ Account 1 XXXX XXXX [ Account 2 XXXX XXXX XXXX XXXX XXXX Please review my request and remove these accounts accordingly. If you require any additional information or documentation, I am happy to provide it. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX, Il XXXX. Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$810.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, XXXX XXXX, I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date.

I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX XXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b.

Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED XXXX XXXX I was never late on XX/XX/2019 on this account please update the account as Paid/Current. 
I was never late on XX/XX/2019 By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. 

Please send an updated copy of my credit report Reflecting the requested Changes. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, All Natural Inalienable Right Reserve