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

Subject : Formal Complaint Regarding Fraudulent Accounts and Violation of the FCRA To Whom It May Concern, I am filing this formal complaint against Experian for their blatant refusal to remove fraudulent information from my credit report, despite my numerous requests, supporting documentation, and legal obligations under the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft and have also been affected by the XXXX Data Breach, yet Experian continues to report fraudulent accounts on my file, causing significant harm to my creditworthiness and financial stability. 

FCRA Violations : FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ) : Under this section, Experian is required to block fraudulent information from my credit report upon receiving evidence of identity theft. I have submitted an FTC Identity Theft Report and a signed affidavit, yet these fraudulent accounts remain on my credit file. This is a clear violation of this section, and I demand immediate compliance. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the legal right to request the method of verification for the fraudulent accounts on my credit report. I have requested this information multiple times, yet Experian has failed to provide any physical proof of my involvement in these accounts, in violation of this section. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is mandated to conduct a proper investigation within 30 days of a dispute being filed. Their failure to remove these fraudulent accounts after repeated disputes constitutes a violation of their duty to investigate and correct inaccurate information.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Experian has failed to follow reasonable procedures to ensure maximum possible accuracy of the information reported on my credit file, allowing fraudulent and inaccurate data to persist. This negligence directly violates this provision of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under CFPB case  XXXX , Synchrony Bank informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided Synchrony Bank a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission. Synchrony Bank informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (  XXXX  ) which was received by Synchrony Bank on  XXXX   XXXX , 2017.
Product: Credit card or prepaid card

I have been getting billed {$30.00} to $ XXXX  monthly by Synchrony bank on my XXXX XXXX account unknown to me for years and possibly totaling thousands of dollars in fees. I never signed up for this program or authorized these payments. This account was only used for veterinary bills and never had a late payment etc. I can see this bank was already fined for deceptive practices and fees for this exact program in 2014, it seems they are up to their old predatory tricks abusing a credit program that is targeted to the most vulnerable consumers ( XXXX ).
Product: Mortgage

I have been in the mortgage process with Wells Fargo for XXXX months. They have done a hard credit check XXXX different times for the SAME loan hurting my credit score as tracked by credit karma. XXXX different underwriters have requested the same documents multiple times and their questions are juvenile. Every time I call, the person I am trying to reach never answers and I am put into their voicemail. The managers extension to which I am directed on email is no longer a working extension. I am a week away from closing ( established XXXX months ago ) and they are again asking for the same information that has been given to them XXXX time prior. This is the most irritating and worst experience in the world.
Product: Student loan

I am totally XXXX and requested TPD discharge of my student loan. I was approved about a month ago. Today I checked my credit report. They have moved it to closed, but have not changed the amount owed or removed the collection account notation. I called PHEAA. They say my claim is still processing, to call XXXX. XXXX says its approved and PHEAA has what they need. They told me that a month ago. PHEAA told me they wouldn't change anything on my credit report, that it will drop off in 9 1/2 years. My credit report amount owed is {$10000.00} more than the amount owed on my statement each month ( the amount that was forgiven )
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Credit reporting or other personal consumer reports

I recently sent a letter to XXXX letting them know I reached out to the 3 data furnishers on my consumer report to revoke and cease all communication. XXXX has not removed these data furnishers and it's violation of 15 U.S. Code 1692c - Communication in connection with debt collection. In accordance with FCRA- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Hence from subsection ( B ) : Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Therefore these data furnishers do not have my permission nor my consent to even communicate through XXXX as it states '' a debt collector can't communicated through third parties with permission from a judge or " my '' consent. I have revoked and ceased all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect date of the first late payment this account is more than XXXX XXXX XXXX from the first late payment account # XXXX XXXX, account # XXXX XXXX  XXXX
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I find out new collection account from XXXX XXXX XXXX. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with XXXX. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Product: Credit card

I am XXXX XXXX member in the military and my SCRA benefit has been refused or denied for a reason I dont know and no contact back or trying to help me out solve this problem
Product: Credit card or prepaid card

Someone has applied for a Bank Of America Credit Card ( Free Spirit Travel More World Elite Mastercard ) using my personal details. I noticed the theft when I received an email from Bank of America. I have contacted the Fraud department of Bank of America and they have confirmed that my information has been compromised and initiated the investigation.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$200.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I wrote to XXXX, XXXX and Equifax about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers should be able to freeze their credit for free on Equifax, XXXX and XXXX. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.
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 ; violating the Consumer Financial Protection Act ( CFPA ). Cash App ( Block, Inc. ), failed to take timely and effective measures to prevent and address fraud and safety of personal, private, and sensitive information that left my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. Cash App ( Block, Inc. ), knowingly did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Resolution E. These actions have cause significant inconveniences and financial loss. I seek appropriate redress for these careless actions and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT IN A COMPLAINT ORIGINALLY ON XX/XX/2029 AND RECIEVED THIS GENERIC RESPONSE : *Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. * I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus. Equifax is the only CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to Equifax to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to XXXX, GA. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however Equifax continues to report these accounts, no other bureaus do.
Product: Credit reporting or other personal consumer reports

It was XXXXt loan from XXXX and they sold my information to another XXXX XXXX XXXX XXXX company with out my consent and now report XXXX XXXX XXXX  report late payments and wrong information on my credit report when acct was in good standing and no late payment
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Please note that Im mailing my final documents using Reference Number XXXX to inform you that I did settle an amount on my NFCU Accounts but Im not satisfied with the state of my credit. After thoroughly investigating the NFCU- PPP complaint the attached letters displaying the organizations ( NFCU and XXXX XXXXXXXX XXXX Letter Head with Logo validates that XXXX XXXX did in fact purchase a PPP and was eligible for protection during the time that NFCU sent the accounts to collection agency, it doesnt magically erase the unjustified damage that was done to my good credit nor does the letters cite blame or initiate consequences for NFCUs mishandling of a service they offered and didnt render as designed. On XXXX/XXXX/XXXX NFCU sent me a letter for an Redress Payment as terms of a settlement between NFCU and CFPB to be applied to my account in effort to keep a positive relationship with me and adhering to their standard of excellence with members. I strongly disagree with the commitment to any standard of excellence extend to me while we were in litigation to resolve a matter that was initiated because NFCU failed to render on a service that I paid for. I will also send a letter to the Better Business Bureau as well. 
Sincerely, XXXX XXXX
Product: Debt collection

This is my 2nd filing on Prosper. They continue to call my work phone and now have started calling my cell phone from phone number XXXX. I didnt give them permission to call my cell number. They had been told several times not to call my work. I would like to file an FDCPA complaint for harassment. I have screen shots and my phone for proof that they are still calling. I can provide all this evidence. They have called at least 7 times since last wednesday. I would like to file an FDCPA complaint!!!!!!!!!!!
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.