23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/year> I received a letter claiming to be from Bank of America, declining my request to open a deposit account. My name is incorrectly listed on the letter, but my address is correct. This is very concerning to me. I would like to know how I can find out who did this, if my identity was in fact stolen and how I can protect myself going forward. 
thank you- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My name and info was used to name me as a co-signer for student loans of which I am not responsible for. I submitted a dispute to Navient including a police report for identity theft and various other proof that shows the application was fraudulent. Navient states that identity theft did not play a role in the making of the loan which is clearly erroneous.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, Americollect. I did not open or authorize the accounts that you report a balance of {$750.00}, {$68.00}, {$56.00}, and {$56.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX  ) to protect my privacy and medical records from third parties. I do not recall giving permission to any medical physician, office, or affiliate to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me. Still, anything more is only to be revealed with the patients authorization and I have never given permission to any physician. However, please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

I value your help too remove a portion of the data on my credit file that came about because of fraud yet I have an items passed on that should be taken out or remove.Per FCRA segment 605 you are expected to eliminate any records recorded on a XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received a statement from Wells Fargo telling me that I have a new account. That was started on XX/XX/XXXX. I called them right away to claim that this is fraud and that I NEVER opened a checking or savings account with Wells Fargo. 

I asked them to cancel the account. Now I have a letter dated XX/XX/XXXX telling me that they can not close the account due to a bank restriction. It is their bank! 

What is going on? Are they back to the old tricks of opening accounts for people without permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written Equifax numerous times and received my credit file dated XX/XX/XXXX, confirmation # XXXX today stating that inquiries are factual. I have explained that the inquiries were not mine and they continue to promote and condone identity fraud. I have a security alert on my credit file because of this. The following inquiries are not mine and I want them deleted from my credit file : XXXX  XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX. XXXX XXXX inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX Equifax Mortgage inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX By the FCRA the consumer reporting agencies MUST report all information accurately and when requested, they must investigate all discrepancies. I did not authorize any one to check my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize these companies to run my credit. Please remove them.
Product: Debt collection

I XXXX XXXX have a collection placed on my credit report with National Recovery Agency located in XXXX PA. I have never opened an account with this corporation and they have failed to provide me with a proof of debt. This negative information was placed on my credit report on XX/XX/2018 for the amount of {$540.00}. I have been hindered in opening credit lines purchasing a new vehicle because of this negative information on my credit report. I am including tracking numbers that proves National Recovery Agency has received my dispute via USPS # XXXX this dispute letter was received on XX/XX/2018. It has been more than 30 days and they have failed to respond. I am demanding this account be removed due to lack of validity.
Product: Credit card or prepaid card

I requested a copy of my original credit card agreement but was told they can no longer send it to me since the account has been closed and sold to a debt collector.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 the accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar 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 XXXX, XXXX XXXX XXXX ( Experian ), 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 creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I have a collection of {$1700.00}. 

On XX/XX/2018, I wrote XXXX XXXX XXXX requesting documentation and record dispute while they have the opportunity to respond. I also wrote XXXX XXXX XXXX a second final goodwill attempt request for verification documentation on XX/XX/2018. XXXX XXXX XXXX has not replied with any documentation as requested for 1st request or 2nd last goodwill attempt request. I challenge the accuracy, compliance and reportability of this listing. 

They did not respond with any evidence requested verifying any documentation associated with this account, bearing my signature. They continue to report it to the Credit Bureaus and it is not my account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file and all credit bureaus you maintain under my Social Security number. 

Please note that XXXX XXXX XXXX had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and an additional 30 days from my 2nd goodwill attempt. I have kept record of their actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against XXXX XXXX XXXX, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the XXXX major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and Experian and XXXX reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has reported numerous times inaccurate information on my credit report, this has caused my score to decreased by 39 for XXXX XXXX. XXXX  credit score decrease by 43 points. Account balance was paid below 30 % before XX/XX/2020. I notice Capital One has reported to the bureau last month on XX/XX/2020, and XX/XX/2020. My billing cycle closed date is on the XXXX of the month. In addition, Capital One has reported XXXX reporting on the XXXX, and the billing cycle closed on XX/XX/2020. This will not be the first time this inaccurate information been reported to the bureaus. In XX/XX/2020, I had the same issue with Capital One, and before XXXX. Every since I made a complaint with CFPB of Capital One reporting inaccurate information to the bureaus ; I have had nothing but problems! I reached out to Capital One on XX/XX/2020, spoke with supervisor ID # XXXX, I made a compliant, and there was not been not correction of this matter. And before I made my complaint, I talked to XXXX employee ID # XXXX. Still No correction has been made! On XX/XX/2020, I spoke to XXXX employee ID XXXX he confirms this was an error made by Capital One. And Capital One policy states one reporting a month to the credit bureaus. I ask how this issue can to be fix? XXXX states he could not fix this matter, and I was transfer and no one asker the transfer call. After I been on the phone with Capital One for 1 hour and 44 minutes. Please attachments of my concerns
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent Equifax written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. Also, I have sent a copy from the small claims court in XXXX  that the account does not belong to me. 
My rights under 15 U.S.C. 1681b. This law prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$9400.00} XXXX/XXXX  XXXX {$840.00} XXXX XXXX {$300.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$750.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit card

Dear CFPB, I am writing to file a formal complaint regarding the handling of my credit account with Sam 's Club. Recently, they decreased my credit limit without prior notification, which has significantly increased my credit usage ratio. This action has adversely impacted my credit score.

I believe this practice is unfair and am seeking your assistance in addressing this matter. 

Thank you for your attention to this issue.
Product: Student loan

Good afternoon, I recently enrolled in XXXX XXXX XXXX XXXX XXXX and received a notification from financial aid that some of the balances for XXXX Subsidized loans have exceeded the loan limit of {$XXXX}. 

I completed my XXXX degree in XXXX, consolidated all of my Subsidized loans in XXXX. There is no way that an overpayment of subsidized funds is even possible at this time in XXXX. 

Since XXXX I have enrolled in other universities as a graduate student and have never gotten this error message. I have made a complaint with Federal Student Aid and made several phone calls over the past XXXX days. This morning i opted out of the wait que and was told my call would be returned within an hour and still have not gotten a return phone call ( as of XXXX ). 

The error message was waived by XXXX in XX/XX/XXXX and the reapplied. They are requesting a document to confirm that the overpayment has been taken care. My issue is that there was never an overpayment. The wrong information is listed on Federal Student Aid website. 

How could I have exceeded loan limits when all of these were consolidated in XXXX? I have taken graduate level courses since graduating XXXX in XXXX and have never gotten this message before. Where did this overage come from? To date, no one has been able to answer my questions or to solve this matter in a satisfactory way. 

This issue is a huge inconvenience, a detriment to my educational progress and has caused me great harm.
Product: Debt collection

Upon reviewing my recent credit report, I found an account that I believe was added without my consent and is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a complaint against XXXX XXXX XXXX XXXXXXXX stating that I am not liable for this debt with XXXXXXXX  I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They did removed the account but then somehow sold it between XXXX of XXXX to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXXXXXXXXXX they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

We went to the car dealership I said I want to apply for a car they say they was going to only due XXXX. I was shopping for a mortgage loan the lender said he wasnt going to pull my credit until I was ready now I have 14 hard enquired. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and are falsely reporting on my consumer report. I request that all accounts and inquiries be removed from all credit bureaus immediately. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX, XXXX XXXXXXXX {$2400.00} Hard Inquiries : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad account Appearing on my credit report
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax has not responded to none of my letters for all the fraud accounts that on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute and Complaint Regarding Inaccurate Credit Reporting Dear Transunion Dispute Department , I am writing to formally dispute inaccurate information that remains on my credit report despite my prior attempts to correct it. My situation closely mirrors the issues raised in the Consumer Financial Protection Bureau ( CFPB ) against Transunion, which highlighted the companys failure to properly address consumer disputes and correct inaccurate credit information. The specific inaccurate information on my credit report is as follows : Account : XXXX XXXX, XXXX, Payment history, XXXX XXXX Account : XXXX XXXX XXXX, XXXX, Payment history, XXXX  Account : XXXX, XXXX, Payment history, XXXX Account : XXXX XXXX XXXX, XXXX, Payment history, XXXX Account : XXXX XXXX XXXXXXXX, Payment history, XXXX  Closed account listed on my credit report for longer than XXXX. I previously submitted a dispute regarding these errors on XX/XX/XXXX, yet the information remains unchanged. This failure to investigate and correct my report violates my rights under the Fair Credit Reporting Act ( FCRA ). It aligns with the allegations in the CFPB lawsuit, where Transunion was accused of mishandling consumer disputes and failing to provide proper updates. I request that you : 1. Conduct a thorough reinvestigation of my dispute. 2. Correct or remove the inaccurate information from my credit file. 3. Provide me with an updated credit report reflecting these corrections. 4. Explain in writing your findings and actions regarding my dispute. If Transunion does not comply with its legal obligations, I will have no choice but to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and possibly take legal action for noncompliance with federal credit reporting laws. Please resolve this matter promptly, as inaccurate credit reporting seriously affects my financial well-being. I expect a response within the legally required 30-day period. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian inquiry Removal XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Covid 19 Relief Program which prevented late payments to be reported. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Never Late inaccurate reporting which is against consumer law.