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

EXPERIAN XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear EXPERIAN, I am writing to dispute the following inaccurate information that is currently listed on my credit report. Please see the details below for each account that requires correction or removal : 1. **Inquiry : XXXX** XXXX Dispute Reason : Unauthorized Inquiry - Relevant Law : 15 USC 1681b - Details : XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX. **XXXX  XXXX XXXX Acct XXXX XXXX XXXX ** - Dispute Reason : Late Payment - Relevant Law : 15 USC 1666b 3. **XXXX  ( Acct XXXX XXXX XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 4. XXXX XXXX  ( Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 5. XXXX XXXX ( Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 6. XXXX XXXX Acct # XXXX ) ** - Dispute Reason : Inaccurate Reporting - Relevant Law : 15 USC 1681s-2 Please investigate these matters and remove or correct the inaccurate information as soon as possible. I have included copies of my credit report and relevant documents to assist with the investigation. 

Thank you for your prompt attention to this matter. 

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

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian XXXX XXXXXXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX , with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> 2. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally complain about Experians failure to remove fraudulent information from my credit profile, despite multiple notifications and the submission of supporting documentation. My complaint pertains specifically to XXXX XXXX account # XXXX, which has been erroneously reported on my credit file as a result of identity theft.

Background : 1. Fraudulent Account Reporting : On XX/XX/XXXX, I initially contacted Experian regarding the fraudulent XXXXXXXX XXXX  account # XXXX that appeared on my credit report. I provided Experian with a Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report # XXXX ) as supporting documentation. This report unequivocally identified the account as a result of identity theft. 
2. Subsequent Follow-Up : Despite my initial complaint and submission of the FTC report , the fraudulent information remained on my credit profile. Consequently, I reached out again to Experian on XX/XX/XXXX, reiterating my request for the removal of the fraudulent entry and resubmitting the FTC report. 
3. Experians Response : To date, Experian has refused to remove the fraudulent information from my credit report. Their continued failure to address this issue has had a significant negative impact on my creditworthiness and financial stability.

Relevant Laws and Regulations : 1. Pennsylvania State Law : o Pennsylvanias Identity Theft Protection Act ( Act 102 of 2014 ) : This law mandates that consumers have the right to dispute fraudulent information on their credit reports and requires credit reporting agencies to promptly investigate and rectify any inaccuracies related to identity theft. 
2. Federal Law : o Fair Credit Reporting Act ( FCRA ) : Under the FCRA, specifically 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information on their credit reports. Credit reporting agencies, including Experian, are legally obligated to investigate these disputes and correct any inaccuracies in a timely manner. 
o Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : This federal law provides protections for victims of identity theft, ensuring that fraudulent information is not allowed to remain on a credit report.

Request for Action : I respectfully request that the CFPB intervene to compel Experian to : 1. Remove the fraudulent XXXXXXXX XXXX  account # XXXX from my credit report immediately. 
2. Confirm in writing that the removal has been processed and that my credit profile has been updated accordingly.

The failure of Experian to comply with these legal obligations is causing me undue stress and financial harm. I trust that the CFPB will take the necessary steps to ensure that this matter is resolved in accordance with the relevant state and federal laws. 
Thank you for your attention to this urgent matter. I look forward to your prompt assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, PA 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, # XXXX, XXXX  XXXX, # XXXX XXXX XXXX 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 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.

These are stopping me from getting a house for my family
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX me for rent when i never was there for a month to month lease and i the date are wr9ng on the form
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the equifax data breach and probably the wrong person got a hold of my info.
Product: Mortgage

Long Mortgage, A division of XXXX XXXX originally wrote my Mortgage loan and I specifically asked if I could make partial payments on the loan or bi-weekly payments and was assured that I could and such payments would be applied immediately and per the instructions I written on the check or in the notes. Essentially allowing me to pay down the mortgage faster and with less interest being paid overall overtime. Based on The answers that were affirmative I agreed to the loan. My credit score is excellent ( XXXX ), I put done a hefty down payment of {$400000.00} on a {$650000.00} home taking a loan for only {$250000.00} ), and the timing of my loan such that I got a XXXX 30 year fixed loan. 
Subsequently, ( In XXXX specifically, my loan was sold to JP Morgan Chase Bank , NA and I was told that partial payments would be sent back to me unprocessed and that only full payments would be accepted and per the terms of the loan ( principal & interest ). I immediately contacted them via their call center ( XXXX/XXXX/2015 ) and escalated my issues to a senior manager. I was told that my only choice was to cancel the loan. At this point I am in my new house ( it was a new Single family home purchase ) and the rate would not be as favorable on a 30 year fixed. Also we are amid boxes and finding all the documents and starting the entire process which took 45 days and more to complete is not in my favor. 
I finally got an option of going back to the original lender 's back office and having them submit ( in writing ) an amendment stating those terms on my loan and having them send it to Chase Bank. I has now been 2 weeks and I have had no definitive response. I am concerned that my time to change or make a decision will run out. How or waht can I do to insure that I come out whole in this fiasco? 

Thank you, XXXX XXXX
Product: Debt collection

I have asked lvnv funding not to contact me anymore. But they have sent it to another collection agency to continue harassing me. Then they always deny any wrong doing. This is the most difficult collection agency I have ever dealt with. I have financed difficulty and I am unable to pay right now.
Product: Credit reporting or other personal consumer reports

My Experience with a {$2000.00} Scam Dear CFPB Im sharing my recent experience with a scam that cost me {$2000.00}, in the hope that it prevents others from falling into a similar trap. 

It all started when I began receiving persistent calls from an unknown number claiming to be from XXXX. They told me I had won a prize, and their pitch seemed convincing. They knew my name and details, which made it seem legitimate. The repeated calls made me believe that this might actually be my lucky break. 

They claimed that, to claim my prize, I needed to pay a {$2000.00} fee upfront to cover processing or administrative costs. Their explanations were polished and professional, and I didnt want to miss out on what they were offering. Trusting the process, I sent the payment via Zelle, as they requested. 

However, the moment the payment was sent, things started to unravel. The calls stopped, their responses to my follow-ups became vague, and eventually, they disappeared altogether. Realizing I had been scammed, I immediately contacted Zelle, but they informed me there was nothing they could do since payments made through their platform are irreversible. 

Looking back, I realize how expertly they preyed on my trust and excitement. I now understand the importance of being cautious, especially when unsolicited offers come with high-pressure tactics. Scammers often exploit our emotions to push us into making hasty decisions. 

To anyone reading this, please be wary of similar situations. Verify the legitimacy of any claims you receive, research the company or individual, and never send money without double-checking everything. Scammers are becoming increasingly sophisticated, and its better to be overly cautious than to lose your hard-earned money. 

Thank you for taking the time to read my story. If this helps someone avoid being scammed, it will make sharing this experience worthwhile.
Product: Payday loan, title loan, or personal loan

XXXX and XXXX of 2022, I received a card in the mail, stating that I was approved. When I applied, the loan was denied and decreased my credit scores.
Product: Checking or savings account

I`m having a problem with unauthorized charges. Ive had to get multiple replacement cards because Capital One keeps letting unauthorized charges go through that are not even in the same state that I am in. This is frustrating because Ive been with this bank forever and do not want to switch but I`m tired of replacing my debit cards this is tedious and I`m starting to believe that someone from the company is stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was negatively affected by the Equifax data breach. I called XXXX to freeze my credit and they will only do it if I pay them {$10.00}. 

I did not ask XXXX to keep a file on me - they do not have my authorization. I do not like the fact that XXXX furnishes anyone who pays with their unauthorized ( by me ) credit reports. Now they want XXXX to pay XXXX to protect me from the perils their industry has subjected me and millions of other innocent citizens to. 

I used to pay lifelock to freeze my credit until these credit reporting crooks lobbied to have that taken away. Now XXXX is not allowed to freeze my credit. 
So much for the little guy. This industry is being allowed to destroy individual financial services customers credit lives XXXX at a time. Please stop these crooks XXXX XXXX, Equifax  and XXXX XXXX from charging the public to undo the harm to the average citizen 's credit they cause.
Product: Vehicle loan or lease

In XXXX of XXXX, I reached out to BofA concerning entering into a deferment program for the loan on my RV. Because of Covid, I was not able to get work. I was able to set up a deferment for my car, so I called BofA to see if they could provide one for my RV. During the conversation, they told me about the program and its benefits and that the payments would be added onto the back of the loan. In XX/XX/XXXX, I was able to start making full payments of {$370.00}. In fact, over the net 12 months, I was able to pay more than the required amount in 8 of the 12 months. When XXXX rolled around, I noticed that my principal amount outstanding had not changed at all. In XXXX, I had made {$4900.00} in payments and yet only {$26.00} was attributed to my principal. I called the customer service area multiple times and they told me different reasons. One reason stated was that " principal payments need to be made via check or at the branch and that the online system was just for interest payments ''. I was never given a straight answer and the account was never corrected, which led me to file a claim with the XXXX. After repeated attempts by the XXXX  to have BofA address my concerns, they finally contacted me in XXXX of XXXX. They told me that while I had a deferment, I was still accumulating interest and that this had to be paid off before payments could be put towards principal. I told them that this detail was never provided to me when I spoke with them or via any paperwork. Basically, the deferment program would eventually lead to me paying more in payments towards the purchase of the RV. Thus, this lifeline that BofA was throwing me during the pandemic was in actuality a case of profiteering, which is unethical and illegal. Had I known the full details of the plan, I would never have signed up for it as it causes more financial hardship in the end. To think that a bank that was getting federal aid would perputuate this upon taxpayers is beyond belief. I asked the bank to pull the call from XX/XX/XXXX, which they were not able to do. I also asked for paperwork that referenced this supposed deferment plan and they could not provide this either. I am asking for the bank to provide the necessary financial remedy which is allocating payments towards principal, but also I think the bank needs to be punished for misleading their customers during a national emergency and profiting off of a national disaster. Please let me know if additional information is needed. Thanks. XXXX XXXX
Product: Student loan

I attended a for-profit school that has been in legal issues nationwide, and I would like to complete the application for school misconduct ; however, when I emailed to request the application, I was told that my loan type is a refinance and does not qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX SSN :  XXXX Equifax XXXX XXXX Dispute Inquirys Dear Equifax XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXl Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX  XXXX Inquiry fromXX/XX/2020  XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry fromXX/XX/2020In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Product: Checking or savings account

I have been banking with Chime for a while now and I use that as my primary bank but I also have a XXXX XXXX XXXX that is linked to my bank accounts so on occasions in appear that there is a lot of activity on my account, but that is just me using both of my accounts as I dont like to list my time primary card on websites to prevent from theft. 

Anyhow, I woke up one morning to my account being completely closed with over {$19000.00} in the account with no access to the account. No one is providing me any solid information. Ive been getting the runaround so Im saying that I can open my account again some saying that I can not I have also provided them documentations verified documents, transactions, IDs everything with no solid response is just Automatic responses told verbatim either through a automatic device or through script reader with no actual assistance that can assist me at the time rent being due with XXXX  kids, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not expecting to wake up to my account being closed and not being able access my funds has caused a lot of stress every time I call chime they are unable able to have any clear answer on the decision made I get 10 different things every time I call in. Again I have even provided documentation to re-open my account or even expedite my check.
Product: Credit card

I checked my credit score, and I found out there are three new accounts opened with my known. I called three credit card companies ( Discover Card # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) and asked for the address & phone number. 

I figured out it was my separated husband ( he lives in California, and I live in Texas ). I reported three companies with all evidence of card expenses in Texas so they could see that I did not open and use the credit card. But it looks like they don't take it seriously, and they told me that I should probably pay all credit card expenses. I asked him to divorce, and we submitted the joint petition for summary dissolution application in XXXX. 

Please help me with what I should do. 

I will attach the documents I did not open using those three credit cards. Also, attach the joint petition for summary dissolution application.