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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a consumer reporting agency, due to their failure to adhere to the regulatory mandates of the Fair Credit Reporting Act ( FCRA ) following my report of identity theft. 

As a victim of identity theft, I have diligently followed the procedures outlined in the FCRA, particularly Section 605 ( b ), which stipulates that consumer reporting agencies are legally required to block fraudulent information from the credit reports of affected individuals. I have provided Experian with the necessary documentation multiple times over the past two weeks, including proof of identity, proof of residency, an FTC affidavit, and a police report filed with XXXX XXXX XXXX ( Police Report Number : XXXX ) on XX/XX/. 

The fraudulent accounts listed on my credit report, which I have identified as being a result of identity theft, have not been addressed by Experian in accordance with the provisions set forth in the FCRA. Despite repeated submissions of required documentation, Experian has failed to take the necessary steps to block these accounts from my credit report within the mandated period of four business days, as required by law. 

The accounts in question, which I deem as fraudulent and seek to have blocked from my credit report, are as follows : 1. XXXX XXXX XXXX Account number : XXXX 2. XXXX XXXX XXXXXXXX Account number : XXXX 3. XXXX XXXX XXXX  Account number : XXXX 4. XXXX XXXX XXXX Account number : XXXX 5. XXXX. XXXX, XXXX Account number : XXXX 6XXXX XXXX XXXX XXXX Account number : XXXX 7. XXXX XXXX XXXX Account number : XXXX 8. XXXX XXXX XXXX Account number : XXXX 9. XXXX XXXX XXXX Account number : XXXX 10. XXXX XXXX XXXX XXXX Account number : XXXX 11. XXXX XXXX Account number : XXXX 12. XXXX XXXX XXXX Account number : XXXX 13. XXXX XXXX Account number : XXXX 14. XXXX XXXX Account number : XXXX Experian 's non-compliance with the FCRA has directly impacted my financial well-being, creditworthiness, and overall peace of mind. This negligence has further exacerbated the stress and hardship resulting from the identity theft incident. 

I kindly request the Consumer Financial Protection Bureau 's intervention and prompt investigation into this matter. I urge the CFPB to enforce the provisions of the FCRA, ensuring that Experian fulfills its legal obligations by blocking the fraudulent accounts from my credit report without further delay. Additionally, I request that appropriate sanctions be imposed upon Experian for their failure to comply with federal regulations. 

Enclosed, please find copies of all relevant documents, including the police report, proof of identity, and proof of residency, which were previously submitted to Experian. 

I sincerely appreciate your attention to this urgent matter and look forward to a resolution that upholds the protections guaranteed by the FCRA. 

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

I TOOK A LOOK AT MY XXXX REPORT AND NOTICE AN UNAUTHORIZE INQUIRY FOR CITIBANK NA, INQUIRY DATE WAS XX/XX/year>. I DID NOT GIVE PERMISSION FOR MY REPORT TO BE PULLED BY THIS COMPANY NOR GAINED BENEFITS FROM THEM. I AM REQUESTING THEM TO SHOW ME PROOF OF ME GIVE THEM PERMISSION TO PULL MY REPORT. IF THEY CAN NOT PROVIDE INFORMATION IMMEDIATELY OR I WILL MOVING FORWARD WITH LITIGATION. THATS A VIOLATION OF PRIVACY AND 15 USC 1681.
Product: Credit card

I applied for a credit card at Capital One because on their website they were offering some benefits like 15 months without interest and also with your first purchases of {$500.00} in the first 3 months, they would credit you XXXX XXXX miles as points to travel, I applied and received the card but I spoke with them a few times and they tell me that I do not have those benefits, they argue that it is probable because my credit score is low but my score is above XXXX, I think they are advertising a scam, because they do not fulfill any of what they advertise on their page.
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX
Product: Debt collection

Unjustified Billing and Negative Credit Implications Due to XXXX 's Administrative Error XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA, XXXX [ Your Address ] [ City, State, Zip ] [ Email Address ] [ Phone Number ] XX/XX/2023 Dear Sir/Madam, I am writing to lodge a formal complaint against XXXX XXXX concerning a billing error that has since escalated to an unwarranted debt collection action, which might adversely affect my credit rating. The genesis of this issue was an attempt to open an account with XXXX online on [ insert date ], which, due to some unknown hindrance, was not successful. 
During the account setup process, a XXXX agent collected my personal details, including my Date of Birth, Social Security Number, and address. Despite spending nearly two hours online with the agent, the account was not set up. Frustrated, I decided to abort the process and explicitly requested the agent to cease any further attempts to create the account. Surprisingly, I received a bill of {$170.00} from XXXX a few weeks later. 
Upon receiving the bill, I immediately contacted XXXX customer care at XXXX and explained the predicament. They acknowledged an error on their part, assuring me that the matter would be resolved internally and that I should disregard the bill. Despite this assurance, I continued receiving bills from XXXX. Believing that the issue would be rectified soon, I did not follow up until I received a bill from a debt collection agency, CBE Group, located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX, with a contact number of XXXX. For reference, the XXXX account number mentioned in the bill is XXXX, and my case reference number with CBE Group is XXXX. 
Now, I am faced with the undue stress of liaising with the debt collection agency to resolve an error that was not of my making. Moreover, there is a looming threat to my credit rating, which, if affected, will lead to higher interest rates on credit, causing me financial loss. 
I kindly urge the Consumer Financial Protection Bureau to investigate this matter and facilitate a resolution that will rectify the erroneous billing, halt the unwarranted debt collection action, and prevent any negative implications on my credit score. 

Thank you for your prompt attention to this serious issue. I am willing to provide further information if needed and look forward to your expedient response. 

Yours faithfully, XXXX XXXX
Product: Mortgage

I made my XXXX mortgage payment late due to being out of work since XXXX. I paid the mortgage to New Rez as soon as I received my stimulus check, since I was unsure about my future income. I have made the XXXX payment on time. I reached out to New Rez through 2 phone calls and an email. I was assured that my request to waive the {$42.00} late fee would be passed on and that it was something they could do, and that I would be contacted when it was resolved. I never received any call back, my email was never responded to, and several weeks later I have received a certified letter refusing to waive the late fee. I feel during these difficult times there should be some discretion on mortgage fees and also that New Rez failed to communicate properly with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account # XXXX EQUIFAX XXXX XXXX XXXX, XXXX : Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX : Account # XXXX XXXX & XXXX  : Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX & XXXX  : Account # XXXX XXXX & XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

I applied for capital one credit card which offered XXXX XXXX XXXX XXXX XXXX on balance transfers. I was told I would have to wait XXXX XXXX from the date of application before I could do the balance transfer. When I called on the XXXX XXXX, it took an XXXX XXXX XXXX of talking with various agents and their supervisors before I got to know that they had a system issue. the supervisors kept repeating the same things again and again though I was asking different questions. Many times they did not let me finish what I was saying in their XXXX  of arrogance and defiance. Finally I was told to call the XXXX XXXX but the same thing happened again and I was still not able to do balance transfer. I asked if they could offer me some credit for the trouble but they said no. They also said no to reducing the balance transfer time or to checking with agents why they were rude to the customer. Overall it was a terrible experience and I would recommend people to avoid using capital one services, especially credit cards.
Product: Payday loan, title loan, or personal loan

For the last 60 days I have been fighting this company for illegally not applying a payment to my account for an amount between XXXX dollars ( multiple payments were made and at least XXXX was not subtracted from the balance ) even after providing months of bank statements and any possible information associated with my claim they continue not to find the payment that wasn't applied to reduce my balance owed. On XX/XX/XXXX I was told a payment for {$690.00} was marked as reversed, so I submitted a statement showing that payment went through XX/XX/XXXX at XXXX XXXX. I called in again today and they changed their tune saying the payment was completed yet the balanced owed remains unchanged. All of these phone calls are supposedly recorded as well. A very basic calculation of all my payments made in the last 60 days well exceeds what was spent and interest charges paid ( I pay the card off monthly and keep tabs on the exact balance on a daily basis ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DPT EXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX ( Original Creditor : AAA ) Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX DPT EDXXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I am not disputing the accuracy of the public record. I want the public record deleted because the FCRA Laws not being followed by these companies below. In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( Lexis Nexis Risk Solutions ) ( XXXX  ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX XXXX  included in the Bankruptcy Act ). Please see attached companies who violated the law and them explaining how they broke the laws. In addition, I have attached XXXX, the database where my personal information was obtained from. XXXX stated that don't share personal information to third parties. Lexis Nexis and XXXX  are Third parties. You are committing fraud and Infringing my privacy Under the FCRA.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Opened Affirm loan XXXX for a purchase on XXXX for two lawnmowers. I never received the two lawnmowers. The XXXX seller sent two false tracking numbers. One a XXXX  tracking for a package from XXXX ( not XXXX ) shipped to an XXXX customer NOT my address nor my package. Later I was sent a XXXX package that also belonged to an XXXX customer. Again not even XXXX package. The package had a different persons name and XXXX said the package was NOT mine. I have proof from XXXX and XXXX showing these packages were NOT mine. XXXX gave a partial refund and closed my dispute. Affirm sided with XXXX and closed my dispute and affirm are demanding I pay the remaining balance.
Product: Mortgage

Dear Sir or Mam I would like to file a complaint against Better Mortgage. ( www.Better.com ) The process of refinancing with them was difficult and in the end was denied due to discrimination against my industry. I work as a XXXX for a XXXX XXXX and they are discriminating due to the COVID pandemic against this industry. The process was filled with agents that wouldnt respond or communicate in a timely manner. They used agents on the west coast to relay messages to east coast underwriters and lost days in the process. They would ask for items weeks later that I had already provided. Each day they would create additional documents needed to continue, delaying and piecemealing the process. I provided all information requested in a timely manner and in the end my refinance was denied. I have excellent credit history ( +800 ) and verified employment income that well exceeds the amount required to qualify for the loan. They created reasons and loopholes to avoid completing the transaction due to the industry Im in and the COVID pandemic. They created unrealistic, insulting, and borderline illegal request of my employer for verification. They added these request to the 1005/FNMA form item 20. I rate locked at a low point and rates have since increased. They credited me over {$2500.00} in lender credits during the process because of their failures and problems along the way. They verbally told me the reason for denial and I requested an official letter specially stating the reason. When it arrived it was for a completely different reason than I had been told verbally. The combination of them losing money on the refinance and the industry Im in is why they denied the loan. Horrible experience that is filled with problems and discrimination. This company should not be allowed to operate like this. Additional documentation is available upon request and contains large amounts of data.
Product: Money transfer, virtual currency, or money service

Long story short, I was scammed and sent someone I didnt know {$470.00} via XXXX bank XXXX on XXXX. I called my bank *Chase on XXXX and they basically told me that XXXX XXXX XXXX evidentially XXXX XXXX pretty much the same as sending cash. I opened a ticket/case with them * XXXX but they said more than likely I wont see that $ ever again. I dont understand how they cant just reach out to the persons bank and put a hold on {$470.00}. Even if their account is at {$0.00}, they can still find out who the account belongs to and reach out to them. My bank said it would have to be pursued via legal. I just started working with legal firm today XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of unauthorized inquiry was reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the unauthorized inquiry from my credit file within the next 15 days. 
XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is notice that on or about XX/XX/XXXX, a call was placed to the US Dept of Education concerning false and or wrong information as to a debtor. The employee of the collections division wouldn't give name or name of 3rd party collections, rather made threats that this was an attempt to collect a debt and that they will determine on or by XX/XX/XXXX when they will collect money from social security benefits and such the like. 

As stated before the Claimant herein never said he didn't have a loan but stated clearly that there is and never was a consolidation. During the call with the agent of the 3rd party debt collector unknown name and address refused to give information, the agent said that this seems to be a problem between you and the Department of Education and XXXX XXXX because it was assumed that the claimant had somehow done a consolidation when clearly he did not. 

They also made mention of a hearing without a date in the future for this to take place but nothing is clear. 

The claimant paid the alleged loan off on XX/XX/XXXX via USPS mail by way of Tender of Payment act of 1933. As such a copy of the tender of payment was mailed and delivered received by the US Treasury as all copies shall be sent to this department when a payment has been tendered. 

More over the Department of Education has listed this as a debt that was in collections and has damaged the claimants credit rating tremendously. As of XX/XX/XXXX this alleged consolidation was deleted from all three credit reporting agencies. 

On or about XX/XX/XXXX it was added back after a clear dispute of this debt and identity theft fraud was proven.
Product: Credit reporting or other personal consumer reports

I accessed the Innovis website to sign up for an account and credit report. I accurately completed the personal particulars form, verifying my identity. The website posted an error, stating that my phone number was not available to use for authentication. I tried the same method with the other two phone numbers associated with my credit reports and I received the same errors. I called Innovis to report the problem and I was that they can not help. They would not provide my credit report using a secure digital platform. The representatives offered to send a report via mail, which is not a secure method and which may lead to lost credit report and identity theft. A secure, digital platform needs to be offered to consumers, seeking the information held by all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Repossession on My Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate repossession entry on my credit report that is causing undue harm to my creditworthiness. Upon reviewing my credit reports from TransUnion and XXXX, I noticed that XXXX has reported a repossession with a balance of {$16000.00}, which I believe is erroneous and should be removed or corrected immediately. 

The disputed entry details are as follows : Creditor Name : DriveTime/Bridgecrest Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$16000.00} Date of Alleged Repossession : XX/XX/XXXX Credit Bureaus Reporting the Item : TransUnion and XXXX Reason for Dispute XXXX. Inaccurate Reporting : The reported repossession contains incorrect information regarding the balance and payment history. I request a thorough investigation to verify its accuracy. 
XXXX. Failure to Provide Proper Notification : If the lender failed to provide the legally required notices before repossessing the vehicle, this would constitute a violation of federal and state consumer protection laws. 
XXXX. Potential Violation of the Fair Credit Reporting Act ( FCRA ) : If this information can not be verified with proper documentation from the creditor, it must be removed from my credit file immediately per FCRA guidelines. 
XXXX. Possible Wrongful Repossession : If payments were made or an agreement was in place that the lender ignored, the repossession should not have occurred, making this entry invalid. 


Enclosed, please find copies of my credit reports from TransUnion and XXXX, highlighting the disputed repossession. Additionally, I have included any supporting documents that may help in resolving this matter. 

Please respond to this dispute in writing within XXXX days as required by law. If no resolution is reached, I will consider escalating this matter further, including seeking legal remedies if necessary. 

I request that you investigate this matter and require the credit bureaus to provide proper validation. If the creditor can not verify the accuracy and legitimacy of this account, I request that it be deleted from my credit report immediately. 

Thank you for your time and assistance in resolving this issue promptly. I look forward to your response. 

Respectfully, XXXX XXXX