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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance - XXXXXXXX XXXX XXXXXXXX , ( Original Creditor Name XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXXXXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX  Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I received a call from XXXX XXXX informing me of a balance on a XXXX XXXX Credit card. I did not open up this credit card and began the process of asking each of the Credit Unions for my credit report to understand if I was the victim of a fraud.

Experian has incorrect contact information for me. I realized this when I attempted to log into Experian but website informed me that I was already in the system via the credentials I had to put in such as SS #, etc. 

. I tried to log in and reset the password but the Experian website informed me that the password would be send to either a telephone or an email address. Both the telephone number and email addresses listed as choices were not mine. 

However, I realized that these incorrect email, telephone and mailing address were the same as the individual who opened up in the XXXX XXXX Account in my name. 

Experian has sent me a postcard confirming the Fraud Alert but I am still unable to access the website as my contact information has not changed. It is impossible to speak with an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor maynot treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not remember this account and I have been writing Experian to gather why they are reporting this account and they have yet to provide a response. The just send me a credit report but no additional information.

I have been trying to get to the bottom of this account and see whats happening with my credit. The only bureau reporting is Experian and I have attached an image showing this.

Why is Experian showing an account that I don't know of and ignoring my investigation requests. I need help with CFPB to obtain the procedure that Experian followed to legally protect my consumer rights. 

I requested to be provided with a description of the specific procedures followed by you, including the name, address and telephone number, of who you contacted in order to verify the information that I had previously disputed previously and that you responded had been verified. 

This procedural request is made pursuant to FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and is sent via CFPB for tracking and legal enforcement.

Pursuant to FCRA, Section 611 ( a ) ( 7 ), Experian is required to provide that description and specific information to me no later than 15 days of my request.

They have already failed to provide me with the lawfully requested description and information within the timeframes specified by the FCRA and obviously must not have received the adequate proof as verification from the creditors that would have allowed you to verify the disputed information.

Therefore, please delete from my consumer file, and this time I am not requesting a reinvestigation, I am requesting deletion of these items, as required by the FCRA.

Also please have Experian provide me with a new copy of my consumer file, reflecting these deletions, to the above-listed address within the next 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to transunion, XXXX   XXXX  and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports, I never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Product: Debt collection

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, l kindly request assistance in reviewing the status of the charged-off amount associated with my account.
Product: Payday loan, title loan, or personal loan

Yesterday I got a phone call stating I was going to be approved for XXXX in a loan. Cash central USA and Mr XXXX XXXX XXXX, the number he called from gathered my personal information, including my bank login and password and verification code, and promised to have done a test deposit of XXXX-XXXX before depositing my XXXX loan. They then told me my bank account was not eligible for it and I need a new account. I'm retty sure I was scammed and my identity is compromised. As well as my personal account ...
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently failed a lawsuit against experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable response and failing to adequately notify consumer of dispute outcome. These failures align with experience where experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the dispute account as experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting Act XXXX Account # 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 A Section 2 It also states a consumer reporting Agency can not furnish a account without my written instructions Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumers protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you for your time.
Product: Debt collection

This debt has been previously investigated and found to be fraudulent. I have not ever lived in Georgia. I have NEVER had an XXXX XXXX XXXX account. When I researched the XXXX XXXX XXXX account number with XXXX XXXX XXXX they said the account number wasn't legitimate. This debt was transferred to another party who is trying to collect on it again despite it being proven fraudulent in XX/XX/2021. Please refer to my report filed in XXXX of XXXX. This collection agency used information provided in the previous report to add additional details to make the fraudulent claim seem more legitimate.
Product: Credit reporting

I was looking at my credit report and saw an address in my personal information that I have never lived. It was XXXX XXXX XXXX XXXX XXXX XXXX, MA. I have never lived in XXXX at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I started to place an order online through the XXXX  website with guidance from an agent on a chat ( transcript attached ). The agent made mistakes on the order and promised the order would be canceled. You can see this on line XXXX from the bottom of the transcript. I started to get bills from Affirm ( they would have financed the phone if the order was not canceled ). I had a second chat with XXXX  which I unfortunately did not save/print where an agent said he was expediting the issue and it would be resolved. It never was so I contacted XXXX  a third time and was told to take the issue up with Affirm. I filed an appeal with Affirm but they refused to cancel the order without documentation from XXXX. I finally filed a XXXX  complaint. XXXX XXXX from XXXX  called and sent an email with a so-called signature verification form from XXXX. It does not have a signature or an address. XXXX XXXX refused to contact XXXX  for this information. She also refused to provide a copy of an order showing what was ordered, the date, and the address. The so-called signature verification states I signed for the order, but I was in XXXX XXXX XXXX XXXX XXXX XXXX date when the phone was signed for. XXXX XXXX says I need to file a police report and take the issue up with Affirm. This has been an enormous inconvenience and is probably damaging to my credit. Visible clearly promised to cancel the order, made serious mistakes, and should bear responsibility for correcting the issue showing the order was placed, where it was delivered, and who signed for it.
Product: Credit reporting or other personal consumer reports

I recently did an investigatoin on my credit report and found several items on there to be inaccurate. under 15 U.S.Code 1681a ( b ) accuracy of report whenever consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code 1681 ( 5 ) Treatment of inaccurate or unverifiable ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information dispute by consumer an shall ( 1 ) promptly delete that item of the information as appropriate based on the result of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from file of the consumer immediately... .remove please ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX thanks ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a reinvestigation/dispute letter dated  XX/XX/2017    by certified mail to Equifax. The letter shows delivered on  XX/XX/2017    per the certified mail tracking number on the USPS website.      ( Tracking #   XXXX   XXXX   XXXX   XXXX   XXXX   ) As  of today 's date,  XX/XX/2017    I have not received any type of notice, or updated credit report in the mail. I have also sent a copy of the letter along with the evidenceof tracking to them again. Furthermore, the accounts that I am disputing on this letter were unverifiable and removed from my  XXXX  and  XXXX  report so I am not understanding how Equifax can say that they are verified with them but did not verify the other CRA 's.
Product: Credit reporting or other personal consumer reports

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

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Student loan

I asked for income repayment option and I received an email confirming, I was approved on XX/XX/XXXX. I then received another email on XX/XX/XXXX stating I didnt have to make another payment. On XX/XX/XXXX, I received an email my full monthly amount was due ( {$530.00} ). I contacted Nelnet and they stated I was never enrolled in the income driven payment program. I spoke with XXXX in XXXX and completed the verbal agreement to be accepted into the program and my monthly amount would be $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Mortgage

They forced me to pay while I was in loan modification process and was waiting approval or denial But they said if I didnt pay would be up to bank to accept payment and may pursue for-closure I was forced that same day to borrow money with high interest because they scared me. I have recordings with bank. 
They are refusing to reverse payments so I can have California mortgage relief  help me We filed XXXX  end of XXXX due to corona virus and Bank of America put the fear God in us. Im wanting them to understand the amount of money Im in debt now and health stress it out on us to pay XXXX  XXXX
Product: Vehicle loan or lease

Exeter finance sent me a letter stating that I was committing fraud by sending fraudulent documents and that is not true they did not respect the commercial codes letters that I have sent them which I have the right to exercise, they ignored it they violated all these codes 15 usc 1635, 15 usc 1611 15 usc 1640 15 usc 1602, 15 usc 1605a 15 usc 1650. these are all the commercial codes that they have violated and fraud was Committed apon me And I did not have no knowledge of this when I signed the contract and the Dealership, XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX also committed insurance fraud, and Security fraud
Product: Credit reporting or other personal consumer reports

This communication serves as a follow-up to my previous complaint, as there are still lingering inquiries present on my credit reports requiring attention. I am resubmitting my FTC report # XXXX for your reference. The remaining inquiries to be removed from my credit reports are as follows : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I purchase a virtual Affirm card for {$60.00} I purchase XXXX XXXX XXXX also a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I returned ALL of them which totaled {$60.00} I know Affirm charge interest, which is their way of making money however, my problem with Affirm is that they are dragging out the investigating as to why they had not received the return of the lipstick purchase which was returned by XXXX that totaled the remaining amount owed on the loan was {$21.00}. I am not paying for something I already had returned. 

XXXX had refunded the {$21.00} but Affirm is dragging out the dispute in order to make more interests on the {$60.00} and ruin my good paying record and credit line. 

Affirm applied the gloves and the pillow but they stall with the lipstick purchase to say I don't pay on time and my credit is bad with them so Affirm removed my credit line because of the {$11.00} payment which I do not owe because I returned ALL the items. 

Please examine the attached documents for further explanation.
Product: Credit reporting or other personal consumer reports

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 


3. Incorrect Wrong Employer : My correct employers is XXXXXXXX XXXX XXXX XXXX. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.