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

To Whom It May Concern, I am submitting this formal dispute regarding an account appearing on my consumer report that is being furnished and reported without my consent. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes to demand the immediate deletion of this account from my consumer report. 
The account in question is XXXX XXXX XXXX  with account number XXXX According to the Fair Credit Reporting Act 15 USC 1681, Section 602 ( a ), consumer reporting agencies, including Equifax and Experian, are required to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not being shared without my consent.

Furthermore, under 15 USC 6801, financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect their nonpublic personal information. A furnisher of information to credit agencies is considered a financial institution under this title and, therefore, must comply with privacy and disclosure laws.

15 USC 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not p
rovided written consent to Equifax, Experian, or the furnisher of information to report this account. Any previous consent, whether verbal, written, implied, or otherwise, is hereby revoked.

Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to opt out, meaning this disclosure was unlawful.

15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a consumer report if the item predates the report by more than seven years, except for records of criminal convictions. The account in question is an adverse item being reported without my consent, violating federal law.

Moreover, 15 USC 1681s-2 ( A ) ( 1 ) ( A ) states that a person shall not furnish information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Given that I have disputed this item, continued reporting constitutes a violation of this statute.

Equifax and Experian are required under 15 USC 1681e to maintain reasonable procedures to prevent violations of 15 USC 1681c and ensure that consumer reports are furnished only for permissible purposes. Their failure to do so demonstrates noncompliance with federal law.

Lastly, under 12 CFR 1016.7, I have the right to opt out of having my information reported at any time. I am exercising this right now and demand the immediate deletion of the disputed account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' 1, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXXXXXX XXXX XXXXXXXX ( see attached 2 ) and note sale and balance ( attached 3 ).

2, Remove or provide signed document that has both my wife and my name that supports the 600 month term ( attached 4 ).

3, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our 23 consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX XXXX XXXX ( XXXX ) according to the XXXX XXXX XXXX. There is an {$3700.00} difference according to the XXXX XXXX XXXX. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXXXXXX XXXX XXXXXXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXXXXXX XXXX XXXXXXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX {$150.00} Account Number : XXXX Account Name : XXXX Account Number : XXXX {$470.00} Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX ) {$470.00} Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) {$1300.00} Account Number : XXXX I requested these accounts be deleted from my credit report. 
My Social Security number has been compromised.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the lack of investigation and proper documentation provided by XXXX regarding inaccuracies on my credit report. I have previously reached out to XXXX concerning the discrepancies, but I have not received a satisfactory response or resolution. 

XXXX : - XXXX XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber breach. This inquiry was not done by me or in my behalf and was done unknowingly with my personal information. 

- XXXX XXXX Credit - inquiry on XXXX My personal information was part of a cyber security breach. This inquiry was not done by me or on my behalf. This inquiry was done unknowingly with my personal information XXXX : XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 
ALL INQUIRES FROM XXXX should be removed from my credit reporting with XXXX TRANSUNION : XXXX XXXXXXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX # XXXX this account is not reporting properly. This account has no balance as is closed. 

INQUIRIES FROM XXXX Should not be reporting on my credit report and should be immediately removed. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of the disputes I raise. However, I believe that XXXX, XXXX, and TransUnion have not conducted a thorough investigation as required. I have provided all necessary documentation to support my claim. 
All of these items are reporting on my credit report incorrectly and have not been investigated and corrected accordingly. 

I request that the CFPB assist me in resolving this matter and ensure that my rights are protected. I would appreciate your guidance on the next steps to take, and I hope to receive a response from you soon. 

Thank you for your attention to this matter. 

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

Please be advised this is my sixth WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal 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 XXXXXXXX Unverified Account You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. they are in an attached pdf and my drivers license, ssi card and address verification is attached
Product: Vehicle loan or lease

On XX/XX/2018 purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for {$22000.00} with a {$5000.00} downpayment as requested.The car was sold under fraudulence with a bad motor.Car was returned that same week to dealer who stated that they would fix.The dealer was unable to fix the car so i demanded a refund.Dealership refuses to refund back money stating i refuses to let them use the car warranty to fix it.I then decided to contact consumer affairs and file a complaint in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1300.00}, {$5700.00}, {$220.00}, {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.
Product: Checking or savings account

I made a claim to Chase Bank that a check written through there bill pay service has not been received by my vendor. Chase provided proof that the check was deposited but it appears the endorsement was to an individual and not the company that I paid. Originally Chase shared that the problem was on the vendor and that there was nothing they could do. The vendor went to the authorities and the financial crimes officer shared Chase had to help. Chase finally helped after 2 months of arguing over a small error on the form. We are now waiting 2 1/2 additional months for help on this matter. We have been waiting a total 4 months to get this fixed. I don't think this should be how things are when a chase product like Bill Pay is being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received information from " Equifax '' informing me of a background investigation bring run on my file. The website on the link is not a creditable website from Equifax. The phone number from where the text message was received is XXXX XXXX XXXX XXXX XXXX, the link is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) its also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ). XXXX, EQUIFAX, AND XXXX ARE REPORTING INACCURATE INFORMATION!!!
Product: Credit reporting or other personal consumer reports

Tried to apply for credit with a company that I was approved for twice before. I was denied, after a couple weeks, I received the report and realized that " Clarity services ' had been using an old report. They said that the score at the time was XXXX ( XXXX ). At the time I filed, Experian was XXXX, XXXX XXXX was XXXX, and XXXX was XXXX. They still have charge-offs that have been removed, addresses and phone numbers that have been removed. I didn't know who this company was until I received the denial letter and they are inaccurately reporting this that I have been fighting diligently to fix.
Product: Student loan

Beginning XX/XX/XXXX engaged IL States Attorney office to see if the Navient Student Loans ( 9 ) were eligible for either class action lawsuits. 
Loans originated XXXX at interest rates ranging from XXXX to XXXX, total amount borrowed was {$68000.00}. Total interest and fees accumulation was {$75000.00}. Grand total of account was {$140000.00}. Over the course of 14 years paid {$62000.00} plus a final settlement of {$69000.00} for total {$130000.00}.

1. Sent several letters, emails, and made several phone calls in an attempt to obtain information regarding class action lawsuits and whether these loans qualified. I have names, dates, times and response letters from Navient. 
2. Received response from Navient, loans did not qualify due to : ~did not qualify for loan forgiveness because they were private loans ~loans were not in default as of XX/XX/XXXX ~loans not eligible for income driven repayment plan

3. Loans were obtained from a private for profit university w hich Sallie Mae at that time charging above Prime Market Rates. 4. Navient made several harassing phone calls and encouraged forbearance, which caused exorbitant capitalized interest. All these points have been mentioned in class action lawsuits and Illinois was a state included. I do not understand how these loans were rejected from the settlement, forgiveness, or restitution.
Product: Checking or savings account

PNC has made a change that prevents you from being able to link accounts. file consumer financial protection bureau makes sure banks, and of the financial companies treat you fairly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I responded to a XXXX ad for tickets to a XXXX XXXX/XXXX Game. I called the telephone number listed in the ad : XXXX-XXXX-XXXX. The seller identified himself as XXXX XXXX, a resident of XXXX XXXX, NV. The seller claimed he had tickets to sell, and I agreed to purchase them. The seller directed me to send a payment through XXXX, which was a money transfer service backed & promoted by my financial institution - Bank of America. 

I sent the funds, and the seller disconnected the call and did not send any tickets. The seller " stole '' {$400.00}. 

I contacted Bank of America immediately after this happened and was told they were unable to help until the transaction posted. 

The following day, XX/XX/2019, the transaction posted and I called Bank of America again to report fraud/file a claim. Bank of America indicated that while they could see the recipient was a XXXX XXXX account holder, and that XXXX XXXX  knew the individual 's identity, and that there was a digital footprint for the transaction - there was no way to reverse or cancel the transaction, and that funds would only be returned to me if the recipient ( a fraudulent scammer ) agreed to return the funds. 

The seller claims he is " XXXX XXXX '', and has a XXXX account linked to a XXXX  XXXX account using phone number ( XXXX ) XXXX-XXXX. His identity is known by XXXX and XXXX XXXX. I have documentation proving he stole {$400.00} through a XXXX scam. 

It is unacceptable that given this information, and the known identities of both parties ( myself, the victim, and the account holder at XXXX XXXX - a person who committed a crime & stole money ), that a fraud claim & refund can not be processed. 

Bank of America, XXXX XXXX  and XXXX are therefore complicit in facilitating criminal activity, and are not protecting the consumer. 

XXXX is a high risk, zero protection wire transfer service that Bank of America promotes, but does not back. The risks associated with this service are NOT boldly highlighted - on the contrary - it's advertised to the consumer as a simple, easy way to send money. This is extremely misleading to consumers, and must be stopped.
Product: Money transfer, virtual currency, or money service

Someone has been using my social to open many accounts and receive government grants and loans and I dont know what else its been happening since 2020 I believe I honestly barely noticed and Ive been devistated ever since Im scared for me and my familys safety every email that I created was took from me and today I was able to get into an old email that they used and i seen a message from my daughters school saying they received inappropriate pictures and videos from my email I dont know what else to do they been making accounts receiving grants in my name and loans and credit cards they have saved pictures from my XXXX accounts that I cant access any more as well I just want help and all this over with please Im only XXXX my daughter is XXXX Im in fear of my life cause I dont know who they are and why they are doing this and no one is contacting me fast enough my whole family is scared to even answered unknown calls because of whats been going on or be on there phone because we think we are being watched from our devices just please help me I dont even know how long it will be before they take the email I created they already got into my credit protection accounts and ID me for the IRS just please help if my email gets compromised please contact my mom @ XXXX to reach me please respond asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), Trans Union is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

I never received a move out bill from XXXX XXXX and when I contacted XXXX XXXX they had no proof they sent me a bill. I asked XXXX XXXX how much was owed and promptly paid it. XXXX XXXX received the cashier 's check and cashed it to settle my bill. 
When IQ Data contacted me, I explained the problem and sent them a copy of the cashier 's check but they ignored me. IQ Data 's problem is with XXXX XXXX not me. 
IQ Data reported this as a collection account even though it was paid. I feel they did this just to harass me. I have corrected this error with XXXX, XXXX and now I'm in the process of correcting it with XXXX. This should never have been reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Was a Victim Of Identity Theft. 
Involved in ( 3 ) Data Breaches year ( XXXX ), ( XXXX ), ( XXXX ) Please check the information concerning the Experian Data Breach below in attachments.
Product: Checking or savings account

On XX/XX/year> I had informed Sofi Bank that my ATM card was stolen. I filed a police report and emailed them said report to show I was not complicit in the theft. Today I have found that somehow that don't have it which I know to be false, because at least three separate employees told me it was received. Also they told me via email that they can't tell me what they from me to settle my dispute which I find very suspect. How can I prove my side if I don't know what they require?? On XX/XX/year> I resubmitted the Police report. I informed them last week that I wil be filing a complaint with the CFPB on this matter and now all of a sudden the police report is missing. Again, this is very suspect. They refuse to talk to me directly which I think is a frustration tactic to make me give up. You all are my last resort