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

" I am opting out of your reporting services. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time.

" I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

My account is not delinquent. It is set up for minimum payments monthly.
Product: Credit card or prepaid card

Without a reason or cause, all 13 of my Synchrony accounts were closed. When I reached out to Synchrony all they said was based on information from your XXXX XXXX report. I pulled all 3 of my reports, all show my accounts synchrony and non synchrony in good standing, never late, never missed a payment. They have essentially crippled my credit score in the biggest financial crisis this country has ever seen. I am a XXXX veteran on a fixed income this is going to ruin my life.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. I believe the inclusion of these accounts is a direct result of the improper investigation practices described in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ). 

15 USC 1681i ( a ) ( 6 ) ( B ) ( III ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; Under the FCRA, Experian is required to ensure accurate reporting and conduct thorough investigations of disputed information. However, in my case, your company : XXXX. Failed to Properly Investigate My Dispute : I was not provided with sufficient evidence or details about how the dispute was reviewed. Who did they interview regarding these accounts The investigation process appeared to be incomplete or superficial, as the errors were verified without any meaningful analysis. 

2. Failed to Notify Me of Investigation Results : I did not receive clear, accurate, or comprehensive information about the results of the investigation.

The correspondence I received was ambiguous and did not explain the steps taken to verify the disputed information.

3. Possibly Reinserted Inaccurate Information : The disputed accounts XXXX have been reinserted without proper notification or verification. 



Given these violations, I request the immediate removal of the following inaccurate accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Additionally XXXX I request the following : A detailed explanation of the investigation process, including the evidence or documentation used to verify the disputed accounts. 

Written confirmation that the disputed accounts have been permanently removed from my credit report. 



The CFPB has recently taken action against Experian for similar violations, citing sham investigations and the reinsertion of inaccurate information. These practices not only violate the FCRA but also have serious consequences for consumers, affecting their access to credit, employment, and housing. 



If Experian does not comply with my request, I will escalate this matter by filing a complaint with the CFPB and potentially pursuing legal action to protect my rights under federal law.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I told the lady at citi bank that i have to check my charges I am without work or job because of this.I never had a   XXXX   XXXX   card.Ive only banked with citi,  XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,  XXXX , and   XXXX   XXXX  .Any other card is not mine i dont even have a bank card open i have them all closed and paid for except bank of america.i owe money to   XXXX   XXXX   and citi bank.Plus i have toyota for a car but i got in a auto accident and got sick.Than   XXXX   XXXX   company but i dont have a car anymore so i dont have to pay.Than medical bills and   XXXX   XXXX   XXXX   only been there twice,   XXXX   XXXX   XXXX   been there like 2- 3 times, than   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   but i think the school pay for that job corp  XXXX  fl, Maybe   XXXX   XXXX   XXXX   i been there1 time when i was in highschool, and   XXXX   XXXX   been there 1 time for a  XXXX .Anything else i dont know.And school bills is job corp center but i think they pay for that by government,   XXXX   college for 1 class, and   XXXX   XXXX   College i took like 3 classes and 1 class I failed and have to retake but any other is not mine.Please write back at   XXXX   XXXX   XXXX   XXXX    XXXX  Fl  XXXX .I also have a prepaid   XXXX   XXXX   account i owe and   XXXX   XXXX   but the bill is almost paid and i closed the account i only have   XXXX   card with them.I 'll check the mail again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXXu, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Money transfers

I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. 
my bank here says they send it, and the bank there says they only receivedXXXX
Product: Debt collection

These entities have been continuously violating my rights. I have done some simple research about them on my own : " XXXX XXXX  XXXX '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the XXXX  of Massachusetts. They are not registered with the Secretary of the XXXX. " Phillips & Cohen Associates , Ltd '' is attempting to collect on that debt, but even they are not allowed to conduct any business in the XXXX of Massachusetts. Their most recent Annual Report filed expired on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX and they still have not filed for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I got a notification that my account with enhanced recovery was updated to settled in full and at a XXXX balance then on XX/XX/2020 I got another update that transunion added it back. They are telling me they never updated it to paid and because XXXX XXXX is a third party they dont have anything to do with what they update. Problem is XXXX XXXX gets the information from transunion and it wasnt just XXXX XXXX it was on myFICO as well as XXXX XXXX and XXXX XXXX and a few other apps that get information from transunion. How could all of these apps get information from the same source and transunion say they never received it. How can this happen with my XXXX XXXX account as well as XXXX. And get transunion is not taking responsibility for the errors that they are reporting after they already showed that I paid these companies. I am trying my best to pay off my debts and get my credit in order and they literally just made myFICO score drop 44 points because something is wrong with there system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 my car loan with XXXX XXXX  was reported as closed, lowering my score 75 points across all reporting agencies. XX/XX/2020 my credit was reported correctly with the information updated to reflect that my account was still current and open. I am still paying on this loan. As of XX/XX/2020, the account closed again and my credit dropped. I filed disputes in XX/XX/2020 with all 3 agencies and have called XXXX XXXX multiple times with no resolution. Due to this, I am no longer eligible for financing for a mortgage loan. I am filing another dispute with all credit agencies in order to get this fixed.
Product: Credit card or prepaid card

Yes I paid off in full my comenity-XXXX the XXXX XXXX XXXX account in XX/XX/XXXX then they said I still owe XXXX so I paid that at the store ; so the next month I get another statement in mail saying I owe XXXX more so I called they claim they never received so I sent them a copy of receipt and they're still harassing me about now they've sent another statement this month XX/XX/XXXX saying I owe them XXXX $ when the said account was supposed to be closed in XXXX paid in full, tired of the harassment.
Product: Credit reporting or other personal consumer reports

I am demanding this to be removed immediately XXXX  XXXX XXXX. It's not fair that I have to continue to have false information with criminal people that TransUnion LLC knows is criminal and capable of murder and information is not correct it continues to report and present information that is not correct. And I'm demanding it be removed now like I said before the end of the year of petition will be filed and I'm asking for XXXX  of dollars for damages that y'all are responsible for causing and conspiracy to commit murder, aiding and abetting, and participating in crimes perpetrated against me which is illegal.
Product: Debt collection

IC system called me in 2022, regarding this XXXX XXXX XXXX I didnt receive a email of any past due account, was sending the bill to the wrong address, explained that the credit card used was compromised. Suppose to be resolved, made XXXX payment, somehow they got another card, I didnt sign up with in first place. Trying to collect {$490.00}
Product: Credit reporting or other personal consumer reports

this account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness.

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated that my credit report contains inaccuracies and incomplete information, and my repeated requests for correction have been ignored giving me immense stress and XXXX  - this has been negatively impacting my overall well-being, physically, mentally and financially. As a result, my credit score has been unfairly impacted. The disputed items are currently involved in pending litigation due to reporting errors, making them unverifiable.
Product: Student loan

I have repeatedly ask Navient to allow me to make smaller payments that fit within my budget. I make less then {$20000.00}. However, they tell me that will only accept certain payment terms as set by them. It usually works out to about $ XXXX+/month which is most of my monthly salary. They have not allowed me to file for a forbearance. They also demand automatic payment withdrawals of the payment directly from my account.
Product: Credit card

Co. reported XX/XX/XXXX payment as late and charged late fee ( later refunded on XX/XX/XXXX ) after my bank and I disputed ) ; for the XX/XX/XXXX payment, co. charged late fee on XXXX ( refunded on XX/XX/XXXX after my bank and I disputed ) and interest on XX/XX/XXXX ( co. never refunded ) ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; for the XX/XX/XXXX payment, co. charged late fee on XXXX and interest on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. charged late fee on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. charged late fee on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. failed to credit the XXXX XXXX payment which was paid early on XX/XX/XXXX and then charged a late fee on XX/XX/XXXX ; on the XX/XX/XXXX statement, co. charged late fee on XXXX and interest on XX/XX/XXXX ; on the XX/XX/XXXX statement, co charged late fee on XXXX and interest on XX/XX/XXXX. All fees and interest are false and fraudulent. This account is actually paid a month ahead. In addition to false and fraudulent late fees and interest, the company continues to harass me with emails, texts and phone calls.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows inquiries that I did not authorize!. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not authorize or give permission at no time } XXXX. { XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time } XXXX. { XXXX XXXX XXXX }, inquired on : { XX/XX/XXXX }, { I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX XXXX ) inquired on : XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX ) inquired on : ( XX/XX/XXXX ), ( I did not give authorization or give permission at no time ) XXXX. ( XXXX XXXX  XXXX  ) inquired on ( XX/XX/XXXX ) ( I did not give authorization or give permission at no time ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation. I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose. 
Please investigate and update these items as soon as possible. 
I am asking that these inquiries be removed and deleted from my credit file immediately. 

Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal consistently charging overdraft fees. I check my account before bed, there is enough in the account, or I move money from one navy fed account to another, and have a positive balance, I will wake up to an overdraft charge. This has probably occurred XXXX times this year, XXXX dollars each time.
Product: Debt collection

Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear XXXX, I am writing to formally follow up on the dispute I submitted to you on XX/XX/2024 regarding fraudulent charge-off accounts that appear on my credit report. As I have previously stated, these accounts are the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. 

To date, I have not received a response that satisfies the FCRA requirements, nor have I been provided with evidence of your investigation into the fraudulent accounts. Specifically, the accounts in question are as follows XXXX Capital One Auto Finance XXXXXXXX As this account was opened as a result of identity theft, I respectfully request the following from you : Evidence of the Investigation : Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with these fraudulent accounts.

Verification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed accounts, including the steps you followed to confirm the legitimacy of these accounts, and the results of your investigation.

Account Blocking Confirmation : As required by the FCRA, I request that the fraudulent accounts be blocked from my credit report. If these accounts have not yet been blocked, I ask that you explain why this has not been done.

Updated Credit Report : Please provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent accounts.

I would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing potential legal action for failure to comply with the FCRA.

Please consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX