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

I am writing to formally dispute the exposure of my personal information in 2017 Equifax data breach. I have reason to believe that my data was compromised as part of this breach, and I am seeking prompt resolution per the Fair Credit Reporting Act ( FCRA ).

Under Section 605 ( b ) of the FCRA, 15 U.S.C.

1681c-2, you are required to provide me with certain protections if my data is exposed. This section mandates that if my information is subject to a data breach, I have the right to request a notice from you within a reasonable time frame and place a fraud alert or freeze on my credit file. 


Additionally, the FCRA provides provisions related to the accuracy and integrity of consumer information. As part of this dispute, I request verification of the breach involving my data and a full explanation of what specific data elements were exposed.

To aid in resolving this matter, I request the following actions : 1 Confirmation in writing that my personal information was exposed in the breach.

2 Details on the types of information compromised ( e.g., Social Security number, birthday, address, etc. ).

3 Steps Equifax has taken to mitigate the impact of the breach on my credit file.

4 A fraud alert placed on my account and, if necessary, a credit freeze under 15 U.S.C. 1681c-2.

Please respond to my request within the 30-day window stipulated by the FCRA. If you need any further information or documentation from me to facilitate this request, kindly contact me at the provided phone number or email address. 

Thank you for your attention to this matter.
Product: Credit reporting

There is a Judgement that I have been disputing for the past two years. It was placed on all XXXX Credit Reporting Agencies and they state that they have investigated and it is mine. A judgement that is for a XXXX XXXX for {$2500.00} with a listed address of : XXXX XXXX XXXX XXXX, NJ XXXX. I have been trying to get this address off of my report since they put this on stating the facts that I have never ever ever lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has recently posted within my account that there have been a number of credit card debts building in my name. I was never notified of these charges. It was only that I was able to see these charges from XXXX on their website now in XXXX. Because of this error on Experian 's part, my credit score has been stuck at a low number and my ability to participate and obtain the XXXX loan was restricted. 

The unknown charges are as follows. 

XXXX - {$510.00} XXXX- {$530.00} XXXX - {$510.00} XXXX- {$500.00} XXXX- {$500.00} XXXX- {$510.00} XXXX - {$530.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Product: Checking or savings account

On XX/XX/year>, I went into the Bank of America branch to deposit a certified bank draft check. They told me upon deposit my funds would be available the following day XX/XX/year>. On XX/XX/year>XXXX  I then receive an email stating they are holding the entirety of the check until XX/XX/year>XXXX  due to information it may be returned. First off, IT IS A CERTIFIED BANK DRAFT CHECK FROM A NATIONAL CAR DEALERSHIP. Second off when I called Bank Of America on XXXX XXXX, XXXX  to get this resolved they told me that I had a new bank account which is false. My bank account has been open for over a year and their deposit disclosure that I received when I opened said bank account states that certified checks will be available next business day and they are not honoring their own disclosures. They would offer me no help whatsoever and after two hours on the phone, they hung up on me.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit there are inquires that are made without my permission this is not correct and fraud i never applied for any credit with any of these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the third time I have contacted EXPERIAN and they have failed to delete the disputed accounts EXPERIAN would not, could not, and did not verify. I have produced more than enough paperwork i.e, Enclosed is a color copy of my drivers license, social security card, VA identification & Passport ; XXXX XXXX incident report ; Personal Identity theft form, FTC Identity theft report, a police document confirming the perpetrator was arrested, and a certified court document confirming what the police document stated, to prove that the following accounts are not mine and the culprit is now incarcerated. The aforementioned supporting documentation to my identity theft claim which is included in this packet is more than enough information to immediately delete all accounts listed, especially because EXPERIAN has failed to provide to me, as I have to them any supporting documentation to the contrary. The creditors are basing the accounts being legitimately mine on circumstantial evidence, no physical proof has been provided, ever. 

Based on the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that it's already been 2 months, They have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show their blatant disregard for Federal Law. 

The Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all EXPERIAN has been doing for the past several months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked EXPERIAN to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified, physically. I request that you do this immediately, which I am sure you are already aware of.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found multiple inaccuracies, including unauthorized accounts and information. These discrepancies have negatively impacted my life and credit health.
Product: Checking or savings account

This is an ongoing issue I have with Wells Fargo. I was charged an overdraft fee of XXXX on an item that posted to my account for XXXX even though my ending balance at the end of the day was XXXX. I had and item pending for XXXX which they include all pending items, even though it did not post in your ending balance. I still had enough to cover all pending and posted items and still charged me an overdraft fee. 

I have had numerous problems with this and have had to get the charges reversed. Some they would not reverse because my ending balance they say was not enough to cover pending charges. This I do not feel is right. If an item has not posted to my account then it should not be included in the totals for the day.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Despite multiple written requests, this unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received.This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$4100.00}
Product: Debt collection

XX/XX/XXXX received a collection letter from Choice Recovery regarding a medical bill with XXXX XXXX. Bill was in correct amount as we have been sending in {$20.00} payments. I contacted XXXX XXXX to find out why on XX/XX/XXXX because they just took a payment from us and our bank on XX/XX/XXXX but it was not documented, as well as other payments made. We have documentation proof showing where these amounts were approved and taken from the account. XXXX from XXXX XXXX in billing tried to say account was sent over to Choice Recovery on XX/XX/XXXX, however did not send us any notification. Choice Recovery ( XXXX XXXX ) is saying that they didn't get the account till XX/XX/XXXX and didn't know why XXXX XXXX would say that. He was extremely rude with me as I told him we had documentation on processed payments. Told me I could dispute it but that was it. Choice Recovery was trying to be very intimidating and didn't care that we had proof to show these payments. This poor documentation is effecting my credit and is unfair collection practices when this account was being paid on.
Product: Debt collection

Stafford Group XXXX  XXXX is trying to turn an old debt into new debt that has already been filed in Ch XXXX case # XXXX
Product: Debt collection

On XX/XX/2017 I was notified by a credit monitoring service that your agency placed an account on my credit files for collection. I have not received a dunning notice or had any communication with Commonwealth Financial Systems, which is a direct violation of the FDCPA Section 809 ( a ) because your agency never contacted me within 5 days of initiating collection activity against me. More so, it is also a direct violation of Florida Statute 559.715 because I was never given a written notice of bill assignment at least 30 days before any action to collect the debt.
Product: Debt collection

I just checked my credit report and found the debt. The debt is for {$690.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX XXXX Balance -. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for FCRA Violations Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX XXXX  '' XXXX for serious violations of the Fair Credit Reporting Act ( FCRA ) and other pertinent banking laws. The actions taken by XXXX have caused significant damage to my credit rating and have hindered my ability to obtain credit. 

Background : Account Closure Without Sufficient Proof : XXXX XXXX XXXX closed my credit card account, citing " reasons to believe your account is in danger of or is being used for fraud. '' However, they failed to provide any proof of my involvement in fraudulent activity. This unsubstantiated accusation is defamatory and damaging to my reputation. 
Denied XXXX to XXXX Account : Subsequent to the account closure, I was denied access to my online account, thereby preventing me from reviewing my account history or transactions. 
XXXX XXXX to Credit Bureaus : XXXX XXXX XXXX reported late payments to the three major credit reporting bureaus, which is inaccurate and has negatively impacted my credit rating. 
Violations of the FCRA and Other Banking Laws : Failure to Provide Notice of Adverse Action : FCRA Violation : Under the FCRA, specifically 15 U.S.C. 1681m, creditors are required to provide notice to consumers when an adverse action is taken. XXXX 's failure to notify me of the account closure constitutes a violation of this provision. 
XXXXnaccurate Reporting of Credit Information : FCRA Violation : According to 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate information. XXXX 's reporting of late payments, which are incorrect, is a clear violation of this requirement. 
Failure to Allow Access to Account Information : Regulation XXXX Violation : Under the Electronic Fund Transfer Act ( XXXX ) and its implementing Regulation XXXX, financial institutions are required to provide consumers with access to their account information. Denying access to my online account is a violation of these regulations. 
Defamation and Dissemination of False Information : Civil Liability : The baseless accusation of fraud and the potential sharing of this misleading and inaccurate information can constitute defamation. XXXX may be civilly responsible and culpable for the damage caused to my reputation and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My XXXX XXXX XXXX  was totalled I had full coverage plus gap insurance for this exact reason insurance paid their share gap insurance was supposed to take care of the rest thats why I purchased it 6 months goes by I start getting phone calls from ally financial saying I still owe XXXX + I disagreed gap insurance paid them but according to ally they didn't pay the late fees that supposedly accrued while the insurance company was crossing the t 's and dotting the I 's I refused to pay them 6 months worth of late fees that accrued while they were waiting for my insurance and the gap insurance to pay for the car still they called all day everyday saying they were going to take me to court they were going to ruin my credit for as long as they could my car was totalled in XXXX or XXXX and they still refuse to let up even though the insurance paid them full price for their loss and I couldn't even get another car that is what I got out of the deal not evena souvenir from the wreckage so they paid the money for the the car I was paying them back never missed a payment or late and they want me topay what the insurance refused to they agreed on the price to pay for the car then after they accepted the money and everything was done they want to come after me for nonexistent late payments
Product: Mortgage

I am contacting you regarding mortgage forebearance under the Cares Act. It is my understanding that the intention is for lenders to provide  mortgage forebearance in the form of adding the 90-day deferment to the end of the loan life. It is not the intention that lenders require the deferment in a lump sum payment at the end of the deferral period, plus then the current month due. This is not what LoanDepot is doing. I attempted to call to inquire about forebearance and was directed to website citing extremely long wait times. On the website, is clearly posted their policy to require a lump sum arrears payment plus current month due payment. This is obviously no help at all. It does add a clause saying you can argue the lump sum payment later but these are the terms that must be agreed to now. Well, I am smart enough to know that if I agree to it, I am beholden to it. I can't risk losing the agrument later and being in a even worse financial crisis. 

I am contacting you in order to alert your organization to this potential violation of the Cares Act. And in hopes of helping other LoanDepot mortgage holders. Company contact info : LoanDepot, XXXX. XXXX XXXX, XXXX NJ XXXX ; loandepot.loanadministration.com ; XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and I had my credit ran more times than I agreed to. Here are the companies that I did not authorize the dealership to run my credit with XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I was in XXXX from XX/XX/2022 didn't get out until XX/XX/2022. My account had money but it somehow said that it went into collections. {$110.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I am writing to request a correction on my consumer credit report. Please delete of my credit history the following closed account that appears on my XXXX report, it showing incorrect information I have never given my permission to show this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 
Thank you for your assistance. 

Account name XXXX XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX XXXX XXXX ; {$750.00} Status ; paid, closed
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX WAS NEVER LATE was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports