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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc .

Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, 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 XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under XXXX U.S.C. XXXX ( a ) ( 5 ), any information found 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 Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items listed. 
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 Experian 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. 

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

There are several inquiries that are unauthorized in my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXXand I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXX  XXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$5400.00} DEPT OF ED/XXXX  XXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

My student Loans were Paid of in XX/XX/year> but the credit bureau Only wants to use XX/XX/year> data and refuses to accept Email statement by Dept of Education/Nelnet Email copy showing all student loans paid in full. I sent XXXX copy of the DOE/Nelnet Email but refuse to verify XX/XX/year> payment, paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, After discovering UNSOLITICED inquires on my credit record, I sent the following email to XXXX on XX/XX/XXXX. 

To Whom it may concern, I was just reviewing my credit when I noticed an inquiry from " XXXX XXXX ''. Why PRECISELY are you inquiring about my credit??? I didnt authorize ANY action of this nature, yet it is clearly and negatively affecting the status of my credit. If you do not remove it and/or contact all three credit reporting agencies and ensure its removed entirely AND explaining this was done in error, you will be on the losing side of a VERY expensive lawsuit. I NEVER instigated this action, so its in YOUR best interests to see it removed from my credit history IMMEDIATELY. Capiche? 


XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They replied the following day with this : Good morning, Thank you for reaching out regarding this issue. XXXX is defined by the Fair Credit Reporting Act as a reseller of credit information, and we provide credit reporting services most commonly to our mortgage company clients. 

Please be advised that XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all become part of a larger company, XXXX  XXXX. We provide this information to explain why this response may appear to come from a company other than the company that you contacted. 

We would be happy to provide the name of the company that pulled your credit ; however, additional information is needed. Please provide your name, address and date of birth, and the name our company is listed in your records, if known. With this we hope to locate your information in our system. Our apologies for any inconvenience on this issue. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- In response, I sent the following the same day : Please provide the name of the company that pulled my credit info. I have supplied the information you requested in order to do so below. According to my credit report, it was " XXXX XXXX  '' who pulled my credit information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX _____________________ As of today 's date, XXXX  has failed to respond. HOWEVER ... XXXX  instigated ANOTHER UNSOLICITED credit inquiry the following day ( XX/XX/XXXX )! 

I am a XXXX veteran who's worked diligently to maintain a good credit rating. These entities ( XXXX XXXX and XXXX ) have damaged my credit by requesting completely UNSOLICITED inquiries. PLEASE do everything possible/necessary to convey to them that this behavior will NOT be tolerated. 

Very Respectfully, XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX companies has violated my rights.

15 USC 1681 section 602 states i have rights 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 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and have seen fraudulent account on it. 
Please remove this accounts from my credit report. They are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I would like for the following accounts to be removed from my credit report. Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To whom it may concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, Equifax and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus. 

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft.

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score. 

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate. 

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax online dispute process has a known issue with consumer access to dispute results and experiencing " Technical Difficulties '' I tried multiple times to access my dispute results online but the system is not working. I tried calling an agent but Equifax was having computer outages. I requested a callback but Equifax could not verify the number they would be calling from, saying it would be a private number that returned my call. I requested my Equifax credit report on XX/XX/19 along with XXXX  and XXXX through XXXX XXXX @ XXXX. I have received both XXXX   and XXXX report in a timely manner but Equifax has not sent my credit report. Additionally, I have requested the dispute through mail on XX/XX/19 but have not received it. On XX/XX/19 I was informed through an online chat with Equifax representative I only have 30 days from the date of the dispute results to reply with additional information. The dispute results were completed on XX/XX/19. I have neither a copy of my Equifax Credit File or the dispute results. The option of reviewing my credit file with an Equifax representative telling me what is on the file by phone is absurd.
Product: Debt collection

Portfolio recovery keeps harassing me. I've told them.to.stop calling often.when.i do.answer they don't say anything and just hang up. When I block them they call from many numbers. I've told them 3 times stop calling.
Product: Checking or savings account

On XX/XX/XXXX I signed in to my Citizens Bank account and saw that a check I had written to someone for {$170.00} had been 'washed ' -- while you could still see traces of the original payee 's name, a different payee had been written in and the amount of the check was changed to {$5000.00}. I called the Citizens Bank fraud line ( at XXXX ) and after being on hold for about 45 minutes, spoke with XXXX XXXX He agree that you could see the original name, and that the fraud was " perfectly clear ''. He gave me claim # XXXX and said it would take 8-10 days to process, but the funds would be restored to my account, and that Citizens would send updates. 
On XX/XX/XXXX, I hadn't heard anything and called again. After being on hold for close to an hour, I spoke with XXXX ( spelling? ) who said the time was actually 8-12 business days but he would request a provisional credit and I should see the funds in my account in 1-2 business days. 
On XX/XX/XXXX, I had no communication from Citizens and the funds were not in my account. I made an online appointment with the local branch manager for that day. When the time of the appointment came, she did not contact me so I called the branch and was told she wasn't in the bank. I spoke with XXXX XXXX, who asked if I could come in to the branch. I sat with him for close to an hour -- while he text chatted with someone from the bank. At the end of the hour, the message was that it wouldn't take 8-12 days but 6-8 weeks and they would not be providing a provisional credit. 
It has now been six weeks and I have had no update on this matter and the {$5000.00} that was taken from my account due to the fraudulent check has not been refunded to my account.
Product: Money transfer, virtual currency, or money service

Date of transfer was XX/XX/XXXX and promised to be there XXXX XXXX 2021 still as of today XXXX XXXX 2021 still no funds available company name is Venmo App Chat Sounds like scam
Product: Mortgage

Freedom Mortgage acquired my mortgage loan over a year ago from my previous lender and they failed to pay my hazard insurance despite my faithfully made mortgage payments. My taxes and insurance are impounded from my mortgage. I have had the same hazard insurance for the past three years with two different lenders and had never encountered an issue or non payment until Freedom Mortgage assumed my loan. My hazard insurance policy is now cancelled due to non-payment, despite me informing Freedom Mortgage that they failed to pay it and it was on the verge of cancellation. I have made contact with Freedom Mortgage telephonically 5 times about this issue and each time I spend almost an hour on the phone with them and did not come to a resolution. They informed me that I needed to purchase another hazard insurance or they would purchase one for me at a higher cost, with less coverage than I had before. I have been without hazard insurance for over a month now and supervisor XXXX advised me that Freedom Mortgage secure insurance through their own company and I'm starting to see a pattern here because apparently this happens a lot with this lender. My previously canceled hazard insurance would not accept my business again due to Freedom Mortgage 's incompetence in paying my premiums in accordance with regulations and law. I should not have to pay more than I was paying for due to their negligence, nor should I be subjected to less coverage than I previously had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card with this company. I know my information has been used without my permission. Please remove the item from my credit report.
Product: Debt collection

I checked my Credit Report and saw a collections for {$580.00} from Credit Management LP. It states the Original Creditor is XXXX XXXX. That the account was opened XXXX 2022. I have no idea who XXXX XXXX is. I have looked them up online and I do not know who they are. I have not recieved any communication from either company.
Product: Debt collection

I am writing to bring to your attention the apparent violations of various provisions of the United States Code related to debt collection practices. Specifically, it has come to my attention that your company, LVNV Funding LLC, may have violated the following statutes:1. 15 US Code 1692B : This section outlines the requirements for debt collectors to provide written validation of debts upon request by the consumer.2. According to 15 USC 1692g ( a ), within five days of the initial communication with a consumer regarding the collection of a debt, the debt collector must send a written notice to the consumer. This notice should include information such as the amount of the debt, the name of the creditor, and the consumer 's rights to dispute the debt or request verification.3. 15 USC 60 92D : This section addresses the fair debt collection practices and prohibits deceptive, unfair, or abusive practices in debt collection.4. Under 15 USC 1692d, debt collectors are prohibited from engaging in any conduct that is intended to harass, oppress, or abuse any person in connection with the collection of a debt. This includes practices such as making excessive or repeated phone calls, using obscene or profane language, making threats of violence or harm, publishing lists of debtors, or engaging in any other conduct that is intended to harass or abuse the debtor. 
5. 15 USC 6 9 2K : This statute establishes the guidelines for the calculation and imposition of statutory damages for violations of the Fair Debt Collection Practices Act ( FDCPA ) .6. 15 US Code 69 2D : This section outlines the penalties and remedies available to consumers for violations of the FDCPA.It is important to note that I am not a legal professional, but I believe that the aforementioned codes may have been violated based on my understanding of the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a deposit to a cat breeder for a maine coone cat. I found the group on XXXX, contacted the seller XXXX XXXX, she vetted me and answered all my questions. I sent her half, {$600.00}, of the {$1200.00} that was the agreed upon price of the cat with delivery. 
On the day the cat was to be delivered, XXXX XXXX, she messaged saying her child was in the hospital and that she would be a transport service. She informed me they would reach out soon with tracking information. I received a text message with invoice, tracking, and the website to track the cat. I then get a text message from the company stating I need to pay {$500.00} for a temperature controlled carrier, and that the funds would be refunded upon delivery. I was hesitant at first and contacted the seller, she reassured me that I would get my money back at XXXX when the cat was delivered. So I paid the {$500.00}. A few hours go buy, and then the transport company texts me I need to pay another {$450.00} for insurance. At this point I let them know that I would like to cancel and that I will not be paying any money. They contacted the seller, where she proceeded to call me a liar and say I needed to pay. I did not. Than we came to an arrangement of me paying {$100.00} and her {$350.00}, once I paid, her profile was immediately deleted. The tracking number I was given, was no longer valid. And neither is the website or phone number. 
I have been fighting with my bank to prove this was a scam even after sending them all the screen shots of the conversations. They keep denying it saying I paid friends. When i asked to see the documents they used in their decision, it is not any of the documents I sent them.