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

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX  XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX regarding an erroneous car loan account that has been opened in my name. I am a resident of XXXX, and I have no connection to this company or any vehicles registered under my name. 

Specifically, I am concerned about the following issues : Unauthorized Car Loan : An open car loan account has been reported under my name, which I did not authorize and for which I have no knowledge. This account has recently been reported as late, further affecting my credit. 

Incorrect Information : I do not live in XXXX, and I have no cars registered in my name. This incorrect information has been attributed to me, which I believe is a case of identity confusion or fraud. 

Immediate Removal Required : I am requesting the immediate removal of this erroneous account from my credit report and all records associated with XXXX XXXX XXXX. I am seeking your assistance in rectifying this issue to prevent any further impact on my credit and personal information. 

I have made several attempts to contact XXXX XXXX XXXX directly, but have not received a satisfactory resolution. I would appreciate your prompt intervention to resolve this matter and ensure that my credit report accurately reflects my true financial situation. 



Thank you for your assistance in this matter. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madame, I wrote to all 3 major credit agencies XXXX, Equifax and XXXX, to dispute negative items from my credit report and here is following. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 
Despute Department.

To whom it may concern, Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1581i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Reporting Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specially, in a lawsuit filed against XXXX the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under CRPB.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a through and reasonable reinvestigation of disputed items within 30 days. Furthermore under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that XXXX : 1. Provide me with documentation used to verify the accuracy of the disputed information.

2. Conduct a thorough investigation of the following disputed accounts or items from ( XXXX XXXX ) and ( XXXX ). 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards.

A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

Please respond to this dispute in writing within legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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

On XX/XX/2024, XX/XX/2024, XX/XX/2024 and XX/XX/2024 Santander Consumer USA completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

My workplace has instructed Navient to cease calling my work, and so have I personally told them to cease calling my work place to attempt debt collection.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was made on XX/XX/2017. I am unsure of the amount. I letter was written to try in have the inquiry removed.
Product: Credit card

AMEX is transacting with complete fraud. To keep it simple there is a charge on my account that neither they nor the merchant can provide proof of purchase for goods in my name. YET they continue to bill my account. this was charged on XX/XX/year>. This is fraud and outrageous. they are charging me interest and refusing to credit this account. AGAIN THEY HAVE NOT PROVIDED ANY PURCHASE PROOF OR RECEIPT OF GOODS FOR THIS CHARGE. This charge of XXXX and the interest related to this is UNLAWFUL. ( amex only credited me for XXXX meaning there is still XXXX on mob account of unlawful charges.
Product: Credit reporting or other personal consumer reports

Please remove the following inquires as they were not performed by me. XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank account opened in person at branch in XXXX, FL in XXXX. I ( along with my attorney ) requested that no overdraft service is received because if funds are unavailable, I prefer insufficient funds notifications. 

From XXXX XX/XX/XXXX, I never received overdraft charges because transactions would be rejected as " insufficient funds '' and I would receive a notification. That is correct because that is my way of transaction verification and validation against fraud XX/XX/XXXX, XXXX XX/XX/XXXX ; I was travelling for medical reasons and my card is used for XXXX and other miscellaneous items while travelling. When I returned home, I realized my account was overdrawn by over {$700.00} to include charges and fees, and I never received any insufficient funds notifications. Over half of the overdrawn amount was due to the {$37.00} fees charged for each transaction. 

I contacted the bank, they stated it was " my fault '' for not keeping a ledger. I explained that I do not have overdraft protection, however they still stated the overdrafts were my fault and refuse to acknowledgement they arbitrarily assigned this product to my accunt without my consent because this services requires a customer signature and I never signed anything for this. I requested again to remove and disallow overdraft service. 

A week later, on XX/XX/XXXX, someone used my card and charged {$39.00} to this account and it was overdrawn a second time for the same period. I again called the bank, and I ordered a new card, but then was told I had to pay {$30.00} service fee for deliver. 

Mon. XX/XX/XXXX- Set phone appointments at the bank, they refused to contact me ; I then contacted the branch where the account was created, unable to get anyone to speak to me. Then spoke to a XXXX at XXXX XXXX who told me again, my failt and the bank does not keep ledgers for customers.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Status : Discharged Date Filed/Reported : XX/XX/2015 XX/XX/2015 Reference # : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

I was just hired on to a job. My employer was doing my background check when they informed me there was a different name tied to my social security number! I went to the annual credit report website to obtain my reports but the website would NOT let me view them due to 'discrepencies ' with my social security number! I need a copy of my report so that I can view it and file a police report!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to remove fraudulent items from my account. Despite four prior requests, these items have not yet been addressed. I urge you to prioritize the resolution of this issue and ensure the fraudulent items are removed from my account immediately. Your prompt attention to this matter would be greatly appreciated. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Over the pass few months I have been requesting a payment history do to missing payments that have not been applied. I have requested a payment history several times, instead of receiving the history I have received a foreclosure notice for XXXX XXXX, 2018.
Product: Mortgage

On XXXX 2016, Chase Mortgage placed my home in Foreclosure. 
Chase demanded I pay {$11000.00}. XXXX to have my home rescinded from Foreclosure status and stop all foreclosure activity. 

In XXXX 2016, I overnighted a Chase Bank cashiers check for the full amount of {$11000.00}. As of XXXX XXXX, 2016, I have not received a recorded rescinded document. I do n't know if my home is still in foreclosure or if it was rescinded. Chase Mortgage did cash my cashiers check, but never mailed me a copy of the recorded rescinded document. 

I am worried because I do not know how the foreclosure on my property stands as of XXXX XXXX, 2016. Chase Mortgage has failed to communicate if they are continuing with the foreclosure.
Product: Credit reporting or other personal consumer reports

I did not authorize for these inquiries and is fraudulent.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  AccounXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

See the email chain below. I asked them to provide me with my information and they refused to do so. 

Hello, At this time, First American is not accepting data privacy requests for Utah residents, because it is exempt from the Utah Consumer Privacy Act as a Financial Institution or affiliate, its data is subject to the Gramm-Leach-Bliley Act, and its data is publicly available. 

Regards, First American Data Privacy From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX Subject : Re : Delete Request Im a Utah resident and dont see the ability to request on the website. The Utah Consumer Privacy Act allows me also to access my data, correct my data, delete my data, and opt out of sale. This law is regulated by the Utah Division of Consumer Im a Utah resident and dont see the ability to request on the website. The Utah Consumer Privacy Act allows me also to access my data, correct my data, delete my data, and opt out of sale. This law is regulated by the Utah Division of Consumer Protection. 


XXXX XXXX From : XXXX XXXX Date : Monday, XX/XX/year> at XXXX To : XXXX XXXX Subject : RE : Delete Request Hello, First American has received your email. If you are a California Consumer wishing to exercise your rights under the CCPA, please call toll-free at XXXX or click here to submit a verified request. 

Regards, First American Data Privacy XXXX XXXX XXXXOriginal Message XXXX XXXX XXXX  From : XXXX XXXX Sent : Friday, XX/XX/year> XXXX PM To : XXXX XXXX Subject : Delete Request To First American, Please assist with deleting all the data that you have on me. This is a Delete Request. Im looking to exercise my privacy rights to understand what data you have on me. 

My Name : XXXX XXXX Email Address ( es ) : XXXX XXXX XXXX XXXX XXXX Note : I have more than just this as an email address. If you are using email as an identifier and I need to provide alternate emails you may find me under, then please let me know. 

There are different requirements for what information I need to provide, and it varies per company. Because of this, youll need to let me know if more information is needed to provide me with my Delete Request. 

I look forward to your prompt response and will look to the CFPB for further guidance and complaints if I do not hear back. 

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

I have not received any correspondence on how you have verified these alleged accounts attached in Exhibit C and therefore request that you consider this as a final notice to your office. Past this point the CONSUMER FINANCE PROTECTION BUREAU will have authenticated testimony from my end which I would gladly present in court if needed to be as evidence of my trying to rectify the SUBTERFUGE that you are reporting copied from the affidavit ************
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services is reporting a fraudulent bank account on my report and it has caused me to be declined for bank accounts and have my XXXX XXXX XXXX XXXX account frozen. I disputed every negative item from my report and all was removed except for one! An account w/ XXXX XXXX XXXX XXXX The acct # ends in XXXX & the consumer ID is XXXX. After getting that information from them, I contacted XXXX who has no record of this account. This account reports as checking account fraud and I have clearly communicated that I was a victim of identity theft and it still isnt removed. I walked into the bank to receive my own money & was treated like a criminal because of the information that XXXX  is reporting.
Product: Debt collection

I BEEN WRITTING XXXX AND THIS COMPANY XXXX XXXX XXXX THIS IS NOT FOR ME
Product: Debt collection

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA XXXX. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.