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

I am writing to formally dispute inaccurate information appearing on my credit report issued by Experian. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough and fair investigation of disputed information. However, it has come to my attention, reinforced by the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian, that your dispute process may not comply with these legal obligations.

Disputed Account ( s ) : Creditor Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reason : Account Not Mine/ Inaccurate info Despite submitting valid documentation on XXXX XXXX, Experian failed to conduct a proper investigation and did not correct the inaccurate information. I am concerned that my dispute was mishandled, similar to the practices outlined in the recent CFPB lawsuit, which alleges that Experian engaged in " sham investigations '' and improperly reinserted disputed information without proper notice.

Attached Supporting Documents : A copy of my Experian credit report with the disputed account ( s ) highlighted.

Copies of previous dispute letters sent to Experian.

Documentation supporting my dispute ( e.g., payment confirmation, identity theft report, correspondence with creditor ).

Action Requested : A full and lawful investigation into the disputed item ( s ) in accordance with the FCRA.

Immediate correction or removal of inaccurate information from my credit report.

Written confirmation of the investigation results and actions taken.

Please note that under the FCRA, Experian is obligated to complete the investigation within 30 days and provide me with the results in writing. If you fail to resolve this dispute appropriately, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing legal action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect a timely and accurate resolution. Please contact me at XXXX for any further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX of XXXX
Product: Debt collection

My mother and I bought property together and I also had martial home which was not my mothers. Wells Fargo foreclosed I 'm property that I did n't given permission to use. This property was part of a divorce settlement dispute and XXXX XXXX had no right to property. XXXX XXXX of XXXX was loan officer I believed he fudge paperwork and committed some type of false information which in end result made my mother lose all her property 's it should have been exempt from taking mine
Product: Mortgage

I have been trying to get my Private Mortgage Insurance Removed from my mortgage since XX/XX/XXXX when my mortgage dropped below 80 % loan to value. Last year my mortgage was sold from XXXX XXXX  ( Under mortgage # XXXX ) to Ditech Mortgage ( account # XXXX ). I reached out to Ditech via a email ( after being told to do so via phone representative ) request to remove my PMI on mortgage on XX/XX/XXXX and received no response at all from them, I even checked my junk box and nothing was there. My mortgage papers that I signed state an " Automatic Termination of PMI '' that states once my loan is below 78 % loan to value PMI will automatically terminate ( I have attached this document ). I reached out again today on XX/XX/XXXX to make this request via phone and was told initially to send the request that I already sent it too. I asked to speak with a supervisor and after being put on hold for about 30 minutes, I finally spoke to one. They told me that my loan to value must be under 70 % loan to value and that was their policy. After reading this document to the supervisor, I was told that " they don't have that document on file ''. She ( XXXX XXXX ) sent me a link to send her the form I have. I did so and just told me that I'll be hearing from them in 7-10 business days. Given their past history, I highly doubt that I will hear from them. I did mention to the supervisor and ask her why they weren't staying compliant to the homeowners protection act and she said nothing. From my understand this act requires mortgage companies to drop off PMI once loans are below 78 % LTV and the loan is current. I qualify for both of those items and don't understand why this is such a difficult task.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report fradugelent accounts. I have sent all requested documents to have these items removed yet they are still on my report. Please delete the following account XXXX XXXX with the balance of {$530.00}, XXXX XXXX XXXX  the one that has been closed that is not mine, XXXX XXXX with the balance of {$310.00}. Please delete these accounts & the inquires for XXXX XXXX & XXXX XXXX they are not mine.
Product: Student loan

I have been trying since 2015 to get navient corportation to update the credit bureaus showing my loan was paid in full early and they continue to report that I owe over 10,000.00 and that the payments are either unknown or report nothing to all XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE 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 XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent dispute to XXXX XXXX regarding a late payment, they have yet to remove this information. This late payment should be removed immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint about XXXX, Experian, and XXXX, for violating the following laws related to my consumer report : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) : Permissible purposes of consumer reports 18 U.S. Code 6802 : Wire fraud Specific Violations of U.S. Code : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report if the person requesting the report has a permissible purpose for using the information. I did not give my permission in any form for XXXX, Experian, and XXXX to report the following accounts : 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 18 U.S. Code 6802 states that it is a crime to knowingly transmit false or fraudulent information in interstate or foreign commerce. XXXX, Experian, and XXXX transmitted false or fraudulent information about me to potential creditors and employers by reporting the accounts listed above without my permission. 

Here are the specific examples of Unfair, Deceptive, and Abusive Practices : XXXX, Experian, and XXXX reported the accounts listed above on my credit report without my permission. 
I have not been notified of the accounts listed above being reported on my credit report. 
The accounts listed above are inaccurate and have damaged my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, Experian, and XXXX 's practices and take appropriate action to protect consumers from XXXX, Experian, and XXXX 's unfair, deceptive, and abusive practices. I would also like to be compensated for the emotional distress and financial losses that I have incurred as a result of XXXX, Experian, and XXXX 's actions.
Product: Bank account or service

Since reporting an issue with my checking account ending in XXXX to chase, about which XXXX unauthorized debit and XXXX unexpected ( and new ) {$20.00} chase fee, sent my account into a cascading negative state, fees and penalties have continued to mount ... .in amounts that I ca n't realistically pay, even in it were fair. 

How can chase justify roughly XXXX dollars in overdraft fees that have mounted ( and were contributed to by the fees themselves ) that all were started from XXXX unauthorized debit ... .. after which a handful of new debits came through, were not paid and were then accessed fees. It 's is unfair and outrageous considering I notified chase of the errors and my intention to try and stop the bleeding and chase simply rolled out the excuse " you 've had reversals in the past so we ca n't help you. '' It should be illegal what has happened here.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with

in 4 business days of you receiving this complaint. I am filing this to report five fraud
ulent accounts appearing on my consumer credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX ; an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX ; a credit card account opened at XXXXXXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX and another credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX ; and a personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries, including inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX, as well as fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX, and XXXX on XX/XX/01 and was told I needed to file out an FTC report to get inquires removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act as a federally protected consumer, I have a right to privacy. 

Per the Securities Exchange Act Comenity Bank agreed to discharge this debt so it can not be late. 

Per the International Bill of Exchange and Promissory Note Comenity Bank failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. 

Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 

15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.Code 1681s-2 ( 7 ) ( E ) Per 17 CFR 424 Capital One said it would not commit language fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 applied online through XXXX, innovis, and XXXX XXXX to freeze my credit report.  For an unknown (possibly technical) reason, I was not able to complete the online applications.  For XXXX specifically, I froze my account by phone, after online attempts were unsuccessful.  The last prompt from these credit companies stated that a PIN would be sent to me through the mail.  More than 2 weeks later, I have not received any PIN, correspondence, explanation, or any kind of communication from these 3 companies.  Freezing ones credit should not be a long drawn out process.  If a consumer is freezing their credit, it is pretty important and should be addressed in a reasonable amount of time.    If there was identity theft involved, I think 2 weeks is too long to wait to protect my information.  Where is my PIN?  Are my accounts truly frozen? Who knows.  These credit companies don't protect my information, and should be held accountable, more so than a pathetic $XXXX payout (hush-money) or 10-yr credit monitoring.
Product: Mortgage

I received the Initial Escrow Account Disclosure Statement from Freedom Mortgage. It states that the PROJECTED ESCROW BALANCE SUMMARY OVERAGE is {$3200.00} that was to be RETURNED TO ME ONCE ACCOUNT WAS CURRENT. On XXXX XXXX, 2015 I paid the XXXX 2015 monthly mortgage payment of {$1400.00} and I was current. At the bottom of the Disclosure Statement the following is stated : Federal Law requires that any escrow surplus of {$50.00} or greater for accounts that are current must be returned to you within XXXX days from the date of the analysis. Due to the delinquent status of your account, your surplus will be retained until the account becomes current. It is your responsibility to contact our a Customer Care department to request the release of any surplus when the status of your account changes. I did contact Freedom Mortgage on XXXX/XXXX/15 and requested my refund and it 's now XXXX/XXXX/15 and they have n't sent me anything, which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

he credit bureaus are reporting inaccurate/outdated/incomplete personal information.
Product: Credit reporting

My credit report reflects XXXX accounts that I was an authorized user on the accounts. There are XXXX accounts with XXXX and XXXX account with XXXX XXXX XXXX. My mother was the primary account holder on these accounts. I had no financial responsibility on these accounts. The creditors on these XXXX accounts were given a copy of my mother 's death certificate, which was XXXX/XXXX/2009.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, the following account have violated my rights. 

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 - THESE ARE HARD INQUIRIES THAT I NEED TO HAVE REMOVED FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

RE : CEASE AND DESIST FROM unlawfully reporting to credit bureaus and identity theft This letter serves as formal notice to you to immediately cease and desist from engaging in the following conduct : Unlawfully reporting to credit bureaus and illegally collecting my personal information. 
It has come to my attention that you have illegally collected my personal information and is reporting to multiple credit bureaus I have no knowledge of this debt. 
This conduct is unauthorized, unlawful, and damaging to me and/or my business. Your actions violate15 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 an account without my written instructions.

15 U.S.C 1692 c ( c ) ( C ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1. to advise the consumer that the debt collector 's further efforts are being terminated ; and they must stop immediately. 
Should you fail to comply with this demand within 10 days, I will have no choice but to pursue all available legal remedies to protect my interests, including, but not limited to, seeking damages, injunctive relief, and/or filing a lawsuit. Be advised that this letter does not constitute a waiver of any rights or remedies, all of which are expressly reserved.

To avoid further action, I demand that you : 1. Immediately cease contact and illegal use of reporting my personal information.

2. Provide written assurance within 10 days that you will not engage in the conduct again. 
Failure to comply will leave me no choice but to escalate this matter further. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a dispute to all 3 credit reporting agencies. In accordance with the fair Credit Reporting Act The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account XXXX, 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( a ) ( 5 ) they also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) the law clearly states the credit bureaus have 5 days to notify me from they receives my disputes also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( 1 ) ( ii ) the clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly detete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 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 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 and any other adverse information, other than records of convictions of crimes which antedates the report more than 7 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

Recently, I did an investigation on my credit report which caused XX/XX/XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I recieved a notice today that I owe XXXX XXXX XXXX XXXX. The letter claims this debt is from XX/XX/XXXX. I was sent the notice by Radius Global Solutions LLC. This is alarming for numerous reasons... I dont remember this account or credit card and if it was in fact in year XXXX it would have been paid off. My ex husband paid off all my debts that year, or probably included in my bankruptcy filed back in XXXX. Regardless of the situation this is alarming in that this is an illegal debt collection because its from over 9 YEARS ago. I'm concered that this may be a scam of some sort and its very concerning. Im not sure what to do and I'm also concerned how they could have possibly got my information. My address is private and I'm in the address confidentility program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft as preciously notified
Product: Credit card

On the XXXX of XXXX I made an online payment to my citibank Home Depot credit card. According to there website payments made by XXXX  will be posted on that day. Unfortunately I was charged prematurely on the XXXX of XXXX a late fee of {$26.00} because the payment was still processing.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.