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

I

am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns
regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 50 days. Furthermore, under 15 U.S.C. g 1681i ( a ) ( 5 ), any intormation tound to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights.

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX and XX/XX/XXXX, I received an answer of Deletion from all three credit bureaus for a XXXX XXXX XXXXXXXX Credit card that was fraudulently opened by my ex-wife that I had disputed earlier this year through the CFPB. 5 months later, XXXX XXXX XXXXXXXX has reached out Experian and XXXX XXXX requesting to have the item re-instated on my credit report after they have all been deleted. I even sent copies of a police report showing where my ex-wife fraudulently opened accounts in my name and used and messed up my credit after the divorce. This item needs to be deleted asap in all three reports again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed in writing XX/XX/2022 via first class mail to all CRA regarding the accounts and they failed to repsond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for o store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX MTG, EQUIFAX MORTGAGE SERVI. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. I have reached out to my local police and FTC. I'm doing this on my own.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX - XXXX - XX/XX/XXXX - {$13.00} XXXX - XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$520.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$4500.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX/XXXX  - XX/XX/XXXX - {$100.00} XXXX - XXXX  - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} Hard Inquiries to Be Removed I XXXX the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Deceptive and confusing website signed me up for a subscription against my clear wishes to the contrary. 

I attempted to get my free credit score directly from transunion, it kept sending me errors. I needed it ASAP so I paid for a credit report not a subscription. My payment was rejected several times, so I my order was processed and then later charged for XXXX dollars. I then called the company after a 60min+ hold I was told I would only be charged once for the credit report and I would not be charged again. I would be refunded all the extra charges. Over the past month they have continued my subscription and continued to charge me. I do not have the time to spend 60mins on a very difficult to use helpline. In my opinion they are intentionally using poor service and difficult user interfaces on their website to make extra money from people. 

Details on non refunded charges below : Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020 Transunion Order Number : XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Subscription Fee {$24.00} XX/XX/2020 - XX/XX/2020
Product: Credit card or prepaid card

According to 15 U.S. Code 6802 Section 6 ( a ),... to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; And 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states, ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 s-3 states, ( 3 ) DURATION ( A ) In general The election of a consumer pursuant to paragraph ( 1 ) ( B ) to prohibit the making of solicitations shall be effective for at least 5 years, beginning on the date on which the person receives the election of the consumer, unless the consumer requests that such election be revoked.

( B ) Notice upon expiration of effective period At such time as the election of a consumer pursuant to paragraph ( 1 ) ( B ) is no longer effective, a person may not use information that the person receives in the manner described in paragraph ( 1 ) to make any solicitation for marketing purposes to the consumer, unless the consumer receives a notice and an opportunity, using a simple method, to extend the opt-out for another period of at least 5 years, pursuant to the procedures described in paragraph ( 1 ).

I have asked several times for the clear and conspicuous disclosure given to the consumer at the time of the creation of this contract which I have not yet received, and as you stated I have made several attempts to receive it from your company. In addition to this, according to your records sent to me via the CFPB portal, this account is over five years old which means that the duration has reached its expiration. This account should be removed immediately.
Product: Credit reporting or other personal consumer reports

Dear Equifax Information on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The correct address is XXXX XXXX XXXX XXXX, XXXX  XXXX Accounts : XXXX XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX PLEASE SEE ATTACHED FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to TransUnion since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my credit reports and found some fraudulent accounts had been opened in my name. 
XXXX Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX  XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

Equifax- Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.
Product: Student loan

I'm participating in the Public Debt Forgiveness Program and submitted my first certification form in XX/XX/XXXX. It certified that I've been working that the XXXX XXXX XXXX XXXX, an qualifying XXXX, since XX/XX/XXXX. 

My loan was transferred from XXXX to XXXX XXXX shortly thereafter. However, my first statement from XXXX indicates that I've only made 3 qualifying payments toward the PDF program. 

Before working at this XXXX, I worked for the XXXX XXXX XXXX, and I'm working on obtaining certification of that as well. That is a total of 7-8 years of public service. My account should certainly reflect more than 3 qualifying payments.
Product: Debt collection

This is the 3rd time I have complained about this problem. I want it gone now! I am dealing with so much since covid and not to mention paying my bills that are due then this horrible debt collector sends me a bill for something I already paid over a year ago! My next step is to contact my father who is a consumer attorney. Account XXXX Needs to be removed ASAP
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear LexisNexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Mortgage

My mortgage servicer HSBC sent me a letter stating that they sent my encrypted information to a third party in error. Since than I have had some of my accounts stolen and I have been forced to get on a credit monitoring program. I filed a complained with their office of the president. I am told that the case is closed and that they called me once. I am continuously getting calls asking me if I took out several loans. This is a nightmare. Please help me.
Product: Credit reporting or other personal consumer reports

I recognize that there are hard inquiries that I do not recognize and did not authorize. I have attached my FTC report for documentation.
Product: Mortgage

I have a mortgage with Loancare. In XXXX I made a payment towards my loan. They never applied the payment even though it was deducted from my bank account. The lender is stating I am 2 months behind when in fact I only owe for the month of XXXX. I have sent numerous emails and tried to call but the call center is shut down. I provided proof of payment by sending pictures of my bank account being drafted as well as a confirmation email from the company that it has been paid. I am getting no response.
Product: Credit card

XX/XX/XXXX, While I was XXXX, an account was opened fraudulently in my name and charges were applied without my authorization or knowledge to the total amount of nearly {$12000.00} XX/XX/XXXX, I was made aware of the charges through reviewing my credit report. I disputed the charges with Discover and the Credit reporting agencies, informing them that it was not my account and was opened as a result of Identity Theft, and continued to dispute for months XX/XX/XXXX, I filed an FTC Identity Theft Report and submitted to Discover and the credit reporting agencies XX/XX/XXXX, I sent another letter to Discover with a copy of the ID theft report. As well as written disputes to each credit reporting agency XX/XX/XXXX, Sent another letter to Discover stating that the account was opened fraudulently and to cease and desist all forms of communication XX/XX/XXXX, Our lawyers sent a formal cease and desist letter to Discover XX/XX/XXXX, Discover continues to be communicating with my via credit reporting agencies and is violating my consumer rights. 

Through the process, the account has been removed and reinstated on my credit file numerous times, affecting my credit worthiness negatively and preventing me from obtaining financing for vehicles, a home, and purchasing a business. They have also added on late fees and interest, totaling the amount they claim I owe to be {$13000.00}. 

Discover Bank has violated multiple laws including but not limited to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 6801 - Protection of nonpublic personal information, and 15 U.S. Code 1681a - Definitions ; rules of construction
Product: Debt collection

1. The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX, PA XXXX from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. The inquiry was not authorized FACTUAL DATA Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
9. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
10. The following account is not mine XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
11. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
12. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
13. The following account is not mine XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mail-practice while several laws were being broke under the FCRA by your company. This has caused me financial injury, deformation of my character, finding employment, I cant apply for credit, I cant apply for a car, I cant apply for a home, I cant apply for a SBA or Personal loan due to the pandemic under this crisis you have hurt my ability to obtain credit.
Product: Checking or savings account

I would like a full investigation in what is taking place with my funds. I want access to my funds immediately and any fees added due to this matter. I would like the CFPB to also provide their investigation and any fines that capital one would responsible for.
Product: Credit card

On XX/XX/2023 I called TD Bank Credit Card number XXXX to dispute payments done by scammers. 
The TD credit card representative laugh at my request for help over the phone, canceled my TD credit card and I had no access to my online account. 
TD Bank continue approving fraudulent charges on my account after I reported the fraud by the scammers. 
For the past XXXX months I am disputing scammers charges on my TD credit card account without any resolution. 
I file a police complaint on XX/XX/2023 that more than XXXX credit card was involved and charged by scammers. The other banks helped me right the way and stopped all the fraudulent payments and money transfer on my credit cards : XXXX, Bank XXXX XXXX, XXXX XXXX XXXX XXXX. Only TD bank continue approving fraudulent charges and transactions. TD Bank XXXX Department closed my case numerous times, reopened it to close it after few days, when the police called TD Bank with my information on XXXX, TD bank refused to discuss my case. 
Many TD customer service representative shared information with me over the phone that TD bank do not trust their customers when they dispute fraudulent charges. Every next representative was more difficult to deal with and unable to help me out transferring my calls to another TD Bank customer service representative. 
TD bank credit card company placed all five charges back on my account plus interest for the past two months. 
Total amount {$5400.00} plus interest of over {$230.00}. 

XX/XX/2023 XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$250.00} XX/XX/2023 XXXX* XXXX {$1000.00} XX/XX/2023 XXXX XXXX XXXX {$2000.00} XX/XX/2023 XXXX XXXX {$2000.00} All transactions were approved by TD bank after my call on XX/XX/2023.
Product: Consumer Loan

I had an auto loan with a company called Blackhawk Auto Loans. After only 2 month of paying on the vehicle it got totaled. After insurance paid for the amount it was worth there was a {$600.00} balance remaining and I sent a check to them the same week to pay it off. After just trying to get a loan again for a new car they were n't able to because Blackhawk Auto Loans took a very very long time to process the check it shows that I left my auto loan unpaid for over 4 months. Now Blackhawk Auto Loans are no longer in business and the phone number they provide to get information about the company that bought them out is out of service. I can not find anything to help me fix this and my credit is terrible now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I continued to send Porfolio Recovery requests for validation and verification but to know avail. This is not my debt and i have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent account that Portfolio Recovery knows this but continue to report this false information on my report. Now they are calling me and demanding for payment