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

I am writing to formally dispute inaccurate information reported by XXXX XXXX XXXX, which is listed on my credit report. Upon reviewing my credit file, I discovered late payment entries that I believe are erroneous. These entries violate several consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 1. Unauthorized Reporting : 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ) Under 15 U.S. Code 1681b, consumer information can only be furnished for permissible purposes. XXXX XXXX XXXX failed to provide proper authorization for this account to be reported in this manner. I request proof of valid authorization that substantiates the reporting of this account. 2. Disputing Inaccurate Information : FCRA 605 ( b ) Section 605 ( b ) of the FCRA mandates that any information deemed unverifiable or inaccurate must be promptly removed from a credit report. I challenge the accuracy of these late payments and demand that Equifax investigates this entry and removes it if the creditor can not provide irrefutable evidence of its validity. 3. Billing Errors : 15 U.S. Code 1666 ( Fair Credit Billing Act ) Under the Fair Credit Billing Act, I have the right to dispute billing errors within a reasonable time frame. XXXX XXXX XXXX has failed to provide accurate billing information or adequate communication that substantiates the reported late payments. 4. Impermissible Use of Credit Reports : 15 U.S. Code 1681b XXXX XXXX XXXX actions in reporting these late payments appear to lack proper verification and documentation, which further indicates a violation of the permissible purposes for using and reporting my consumer information. Action Requested : I request that Equifax : Conduct a thorough investigation of this account. ( Reporting four Consecutive late payments that are 30 days late and that is an error ) Provide documentation from XXXX XXXX XXXX validating the legitimacy of the reported late payments. Remove the erroneous late payments if the creditor can not validate their accuracy and compliance with applicable laws. Please consider this letter as my formal dispute under the FCRA and Fair Credit Billing Act. I have attached a copy of my credit report highlighting the disputed items for your reference. I expect a resolution of this matter within the 30-day investigation period as required by the FCRA. If these entries are not corrected or deleted, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies. Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and update me regarding the progress of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This fall my husband and I were applying for a business loan and we found 3 collections notices on my credit account. 1 for XXXX, 1 for XXXX, and one for a XXXX account XXXX They all 3 were started/applied for in XXXX XXXX  XXXX I have not resided in or been to this area of the US. I am from XXXX XXXX and have lived in XXXX  since XX/XX/XXXX. None of these are mine. We called our attorney XXXX XXXX and he helped us file fraud claims and a police report here in XXXX. We attempted to file a police report in XXXX XXXX  but the officers there would not take the report and referred us to XXXX  due to that being where we live. Police report number ( XXXX XXXX  Police Case # XXXX ) - Photo attached. The XXXX and XXXX accounts were quickly removed and resolved. 

Portfolio recovery has been challenging. We have called multiple times to try to get a fraud claim filed in XX/XX/XXXX. After several tries and agents we believe a fraud claim was filed. We waited a month and received a letter from XXXX XXXX asking to confirm the fraud claim. On XX/XX/XXXX we called XXXX XXXX, confirmed the claim. After the call we checked our credit only to see that PRS ( Portfolio Recovery Services ) had closed the file indicating resolution. No instance of fraud was indicated. I called shortly after seeing this and spoke with 3 very difficult and misdirecting employees, one was a supervisor who would not give her name. All three claim no fraud was filed and we would need to refile. Our XXXX XXXX letter indicated otherwise contradicting their assertion. I do not have confidence that PRS is interested or willing to follow through on this fraudulent claim for collections. We have clear evidence and documentation to show this is too. Our business is being adversely effected by their unwillingness to resolve this in a timely and effective manner.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX, AS WELL AS A SLEW OF INQUIRES FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX Enclosures : Identity Theft Report Credit Report I HAVE NEVER APPLIED OR ASKED FOR ANY BUSINESS WITH THE FRAUDULENT CREDIT CARD ACCOUNTS LISTED ON MY CREDIT REPORT. SOME THAT HAVE RESULTED IN COLLECTIONS FURNISHED WITH XXXX XXXX, A DEBT COLLECTOR, AS WELL AS A SLEW OF INQUIRES FROM 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. THESE ACCOUNTS ARE SERIOUSLY AFFECTING MY CREDIT SCORE AND ARE PREVENTING MY FAMILY AND ME FROM LIVING A COMFORTABLE LIFE. ACCORDING TO THE CONSUMER LAW 15 U.S.C 1681C-2, I AM REQUESTING THAT YOU BLOCK ANY FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY AND INITIATE AN INVESTIGATION. THE FCRA MANDATES THAT A CREDIT BUREAU BLOCK FRAUDULENT INFORMATION RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS AFTER RECEIVING SUFFICIENT DOCUMENTATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple 2 credit inquires unauthorized on XXXX credit report.

I was a victim of identity theft due to XXXX data hack.

XXXX refused to remove them told me to contact the bank to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX XXXXDo not use the XXXX system.. 
XXXX Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and Transunion and XXXX still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX I submitted a dispute regarding account XXXX with XXXX XXXX on my experian credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number from experian which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2016 I received a letter from Convergent Outsourcing , Inc. claiming that they were collecting on behalf of XXXX XXXX , XXXX for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my XXXX account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a profound regard for consumers ' privacy rights. XXXX and XXXX function as consumer reporting agencies, and I, as the consumer, retain the prerogative to ensure that my private information remains safeguarded. This entitlement is reinforced by 15 USC 6801, which underscores Congress 's stance that each financial institution has an ongoing duty to honor the privacy of its clients and uphold the confidentiality and security of their nonpublic personal information. 

Entities furnishing information to credit agencies, categorized as financial institutions under this provision, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies can only furnish consumer reports under specific circumstances, primarily upon receiving written instructions from the concerned consumer. XXXX, XXXX, and the furnisher of information to credit agencies lack my explicit consent to provide this information, whether express or implied, hence rendering any consent previously granted null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosure. However, the furnisher of information to credit agencies failed to apprise me of this nondisclosure option. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, contravening the law by reporting adverse items without my consent.

Furthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e, entities are barred from furnishing inaccurate information to consumer reporting agencies and are obliged to maintain reasonable procedures to prevent violations of FCRA sections 1681c and 1681b. XXXX and XXXX 's failure to uphold such procedures indicates non-compliance. 

Finally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.
Product: Credit reporting or other personal consumer reports

This is my SECOND REQUEST regarding FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) because Equifax failed to provide the information that this LAW states that a FEDERALLY PROTECTED CONSUMER should receive after making such request.

I in accordance with this LAW FCRA 611 ( a ) ( B ( 6 ) ( iii ) I submitted a request if any accounts were verified..I submitted a dispute regarding 3 accounts via CFPB # XXXX XXXX XX/XX/24 and received the results today XX/XX/24 stating the XXXX accounts were verified. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX I am requesting AGAIN that your agency send the Procedures that you used to verify the 3 accounts.I am also requesting the name ( s ) of the person ( s ) that you spoke with along with their business name, address and telephone number within 15 days as the law requires.

The basis of my dispute was based upon my privacy rights are being violated as FCRA 602 states I have a right to privacy and Section 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. I gave no permission for the 3 accounts to appear on my credit report and want all 3 removed immediately.

Equifax has no right to publish the 3 accounts without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXBalance {$6400.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXXBalance {$13000.00} XXXX XXXXBalance {$2200.00} Date Opened : XX/XX/XXXX
Product: Mortgage

I had/have a qualifying COVID-19 related hardship including job loss. The CARES act required mortgage companies to offer forbearance and then a loan modification if the hardship was not resolved. For more than 6 months ( starting in XXXX of XXXX  ) after my forbearance expired I repeatedly called, messaged through their website, and emailed Loan Depot to get a resolution and to receive an offer of the loan workout options required by federal law. I spent dozens of hours on this and received little to no communication from them. Finally, after a full 6 months of trying to reach them, they offered me a streamlined COVID-19 Flex Loan Modification. I immediately told them I accepted the offer and they said that the loan modification would become permanent after the completion of three trial payments at the reduced payment amount. Accordingly, I scheduled the 3 payments with a representative who explicitly assured me that nothing else needed to be done on my part. Almost immediately after scheduling these payments with Loan Depot they apparently transferred the servicing of my loan from Loan Depot NJ to Loan Depot TX. The new servicing location had all of the details of my approval for the loan modification but Loan Depot NJ failed to transfer my authorization to draft the payments to the new servicing address. Because of this they did not draft my payments as scheduled and I was then told that I no longer qualified for the approved loan modification offer. Of course, interest rates have skyrocketed since the initial approval and this stinks of them trying to pocket tens of XXXX of dollars by reassessing the loan modification at much higher rates. At no point did I withdrawal my authorization to debit my account for the agreed upon amount. They explicitly told me I didnt need to take any other action for my loan modification to become permanent after scheduling my payments. They have now reported my account delinquent to the credit bureaus causing my XXXX credit score to plummet. I have never missed a required payment on any credit account in my entire life and they have now destroyed my credit when I gave them specific authorization to debit my account for the agreed upon payments. They need to be held accountable for this and honor the terms of the agreement that we had in place.
Product: Debt collection

There are several false charges using my name from XXXX XXXXXXXX XXXXl XXXX XXXX. AR resources is holding the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters each month from XXXX  2020-XXXX  2020 to XXXX, TransUnion, and XXXX  disputing a XXXX account that is being reported inaccurately. The date of last activity is different for all three companies and that is a FCRA violation. XXXX  has even re-aged the date last active which is another violation. With each letter I have sent a copy of my report pointing out the errors. I was ignored and did not receive a response twice. One response said verified. Obviously no true investigation took place. Another response said paid. Also in the payment history it is showing activity every month even though the account has been closed for years. This is another violation I pointed out to the bureaus in the letters I sent. I appreciate your help with this matter.
Product: Debt collection

The Asset Recovery Solutions company made an unauthorized withdraw of XXXX from my account. And I need the money to pay my XXXX to prevent XXXX  time for myself
Product: Checking or savings account

Today I was scammed by a man impersonating a police officer and government employees for social security. He said he would arrest me if I didnt abide on drug charges and money laundering because these crimes were under my name so he said I may be the perpetrator and the only way to clear my name would be to empty my accounts on to gift cards. Hope the could catch the perpetrator by freezing my account but by the end of the day he got about XXXX out of me and I called my bank but they were unable to help me with this fraud.
Product: Checking or savings account

On XX/XX/2021 my fianc and I created a savings account with synchrony bank to keep our gift funds safe as we save up for our wedding and living in a new state. We have tried to access this money through atm withdrawal and mobile transfer to help pay for expenses associated with our move and with our wedding planning. We have been denied access to our account under the pretense that our account is under review and is restricted despite us being given zero information regarding this situation nor any clue on when OUR money will be available for use to use for rent thats due in two days. I called synchrony on XX/XX/XXXX to ask why our money wasnt available and they told me the account is still being reviewed, call back in two to three business days to have an answer. I called back today ( XX/XX/XXXX ) to receive the information that I was promised and hopefully have access to my account and was told that the banker has no idea what is going on, and that they will mail me a letter in two weeks letting me know the status of my account. I just want our money so we can pay bills and move on from this horrible bank account.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the XXXX 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, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payments and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal laws : 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need