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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Equifax/TXXXX  Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Based on the issues outlined below, it appears that XXXX has failed to meet its legal obligations, causing harm to consumers like myself. 
1. Failure to Properly Investigate Consumer Disputes XXXX has demonstrated a lack of thoroughness in investigating disputes submitted by consumers. This failure directly violates the FCRAs requirement to conduct reasonable investigations into disputed information. 
2. Failure to Provide Adequate Notice of Dispute Outcomes Consumers are entitled to clear and timely notification regarding the results of disputes, including explanations of actions taken. XXXX lack of adequate communication undermines consumers ability to protect their financial standing. 
3. Failure to Forward Relevant Information to Furnishers It has come to my attention that XXXX failed to forward all relevant details to furnishers as part of the dispute resolution process. This omission limits furnishers ability to investigate and correct errors. 
4. Allowing Inaccurate Information to Remain on Credit Reports By allowing inaccurate information to persist, XXXX has compromised the integrity of its reports, creating unnecessary challenges for consumers. 
5. Illegal Reinsertion of Inaccurate Information Reinserting previously deleted, inaccurate information into credit reports without proper notification to consumers is a direct violation of the FCRA. This practice causes ongoing harm to individuals relying on accurate credit information. 

These actions not only violate federal laws but also have caused significant distress and financial harm. I request that XXXX take immediate corrective action by : Conducting a thorough investigation into these practices. 
Correcting all inaccuracies on my credit report. 
Providing documentation regarding the results of your investigation. 
Ensuring compliance with FCRA and CFPA requirements moving forward. 

If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

I look forward to your prompt response. Please contact me at XXXX for further communication. 

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

santander consumer usa deleted the account off my report but its still showing on my consumer report
Product: Debt collection

Yes, I had a old bill from XXXX  pop up on my credit report and because of that it dropped XXXX points but the bill in question is wrong because I had insurance at the time it supposedly happened thru am better also I just dont remember going to the hospital then
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and capita one data breach caused the violations : XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 different name on credit 3 different address
Product: Student loan

On XX/XX/XXXX through XX/XX/XXXX. 
Principal balance of {$19000.00} I was promised to become a XXXX.
Product: Mortgage

XX/XX/XXXX I called Wells Fargo Mortgage regarding an upcoming payment out of my escrow account. I asked for information provided by the fire district verifying that I owe this information. I was provided a parcel number that did not match my county parcel number. I told XXXX that I didnt owe that fire district that I paid a different fire district outside of my mortgage escrow for fire services. XXXX said they would research and give me a call back the next day. I requested a copy of what the fire district provided them. They didnt call. I called back to XXXX on XX/XX/XXXX at XXXX am CST and was on for an hour and was told they could not provide the information provided by the district because it was a spreadsheet that included other peoples information so I asked XXXX to provide me with a letter with the information which they said they could not provide. They said I could get it from the fire district to which I responded if I had the information I would not be asking them for it. I explained I had received my property tax information from the county & the info matched my escrow statement. I further explained that I had my property insurance info that matched my escrow statement. XXXX provided me the info verbally but would not provide it in writing. The representative XXXX operator XXXX stated the fire district info had my name, a parcel number, a billed amount which was sent XX/XX/XXXX. I explained that I didnt owe this money. He stated I could go to the district but they only had a POB and a phone number where no one answered the phone and the voice mail was full. I asked what due diligence did XXXX perform before adding this to my mortgage payment as this is the first time this was charged. No response was provided. I asked what information will they need from the fire district to remove it. XXXX stated an update from them or information from me. XXXX stated they have opened a case number to research which I was provided today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. For Dates XX/XX/XXXX and XX/XX/XXXX. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
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 15 USC 1681. 

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 t with 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 informationAny other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

They are putting my credit on a public website wrongfully
Product: Credit reporting or other personal consumer reports

Lexis Nexis provided a consumer report containing false information [ allegedly, I had a at fault accident in XXXX  ] pertaining to me to XXXX XXXX XXXX XXXX. In turn, the insurance company used the false information to raised the premium of an insurance policy. 

I contacted Lexis Nexis and told it that the information provided to XXXX XXXX XXXX XXXX was false and demanded the removal. Lexis Nexis claimed that it could not verify my identity and refused to provide me a copy of the consumer report ; and, refused to remove the false information.
Product: Debt collection

I got paperwork that I lost a lawsuit against a Forster and Garbus but was never served, never given notice of the lawsuit and now they are claiming I filed a fraud claim that I never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Wells Fargo bank denied a claim on a cancelled order. I never received my merchandise and have been unable to contact the seller due to covid. I have lost {$400.00} and now can not afford my rent.
Product: Debt collection

Dear CASCADE CAPITAL FUNDING , LLC, I am writing to formally dispute the validity of the debt that you allege I owe. Please take this letter as my notice of dispute pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Lack of Contractual Evidence I have no knowledge of any valid or enforceable contract between myself and CASCADE CAPITAL FUNDING , LLC. I request that you provide me with a signed contract or any agreement that establishes a legal obligation binding me to this alleged debt. Without such evidence, I am not liable for the alleged debt. I expect you to provide documentation of a valid, signed contract between myself and CASCADE CAPITAL FUNDING , LLC that evidences my agreement to pay the alleged debt in question. 

XXXX. Request for Debt Validation Pursuant to the FDCPA and FCRA, I request that you validate this alleged debt by providing a full, detailed accounting of the account. This validation should include, but is not limited to, the following : - The name of the original creditor, - The principal balance of the alleged debt, - Documentation of any insurance, securities, tax benefits, complete terms of the agreement ( with Defendant signature ), any transaction signed receipts, a detailed itemized statement or other relevant financial transactions related to the account ; I request this detailed accounting to ensure the accuracy of the amount you claim I owe. Failure to provide accurate documentation could result in a violation of both the FDCPA and FCRA if it is found that CASCADE CAPITAL FUNDING , LLC has made false or inaccurate claims regarding this debt. 

Request for Purchase Agreement I respectfully request that CASCADE CAPITAL FUNDING , LLC to provide the purchase agreement and not a bill of sale. The purchase agreement contains the specific terms and obligations of the original debt and is the only document that can accurately validate the alleged debt. Without this document, CASCADE CAPITAL FUNDING , LLC has failed to meet its burden under the FDCPA, and the debt is unverifiable and unenforceable. 

The purchase agreement is the most accurate document to meet these requirements because it contains the original terms under which the debt was incurred. Without this contract, it is impossible to confirm whether the debt is valid, whether any payments or credits should have been applied, or whether the amount claimed is accurate. 

Without providing this key document, CASCADE CAPITAL FUNDING , LLC can not verify the specific terms under which the debt was created, leaving me at a significant disadvantage. If CASCADE CAPITAL FUNDING , LLC Merely provided a bill of sale or account summary it does not satisfy the requirement for proper validation under the FDCPA. CASCADE CAPITAL FUNDING , LLC must present the purchase agreement, which is the primary document proving the formation and terms of the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deleted 100 XXXX XXXX inquiries that I didn't recognize and more than a few other. Can someone explain how they got there so that I can address this with the company involved ...
Product: Money transfer, virtual currency, or money service

A {$5000.00} XXXX was took from my account I received an authorized receipt after it was sent, it wasnt me
Product: Debt collection

I am writing to formally dispute and request the removal of a collection account that has been fraudulently opened in my name. Upon reviewing my credit report, I discovered this account, which I did not authorize or open. It appears that I have been a victim of identity theft, as I have no knowledge of the debt associated with this collection account. I have taken immediate steps to protect my identity, including placing a fraud alert on my credit file. I kindly request that you conduct a thorough investigation into this matter and remove the fraudulent collection account from my credit report as soon as possible. I am willing to provide any additional documentation or information necessary to support my claim.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Bank account or service

I previously have had an account with Bank of America they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.
Product: Credit reporting or other personal consumer reports

Experian + XXXX XXXX. 

Please see attached. 

I am being removed as an authorized user, as well as it being removed from my credit report, for the XXXX XXXX credit card.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights. 
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 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( A ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows it has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The schools that I went to have been closed down for over 15 years and they were under investigation for fraudulent activities I didnt receive my degree because my program was no longer accredited. Also these student loans are on my credit report without my permission I would like them taken off asap
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$610.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had a promotional plan with a credit card issued by Comenity Capital Bank that I paid off prior to its expiration date of XX/XX/00. Their system did not apply my payments to the promotion plan even though I spoke to their representatives each time to make sure it would, and was told the system bounced them out. Since then I have called, written and emailed them to get this straightened out and keep getting monthly finance charges on the promotion I fully paid off. All I get is a form letter stating basically there is nothing they ca do. I have documentation to prove payments were made but no one will look at it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Product: Mortgage

Failure to inform Credit Reporting Agencies of required disclosure " notice of dispute within the 30 day time frame set by law.
Product: Checking or savings account

My acct XXXX had a negative balance XXXX. Please contact headquarters of bank of America and ask them to leave that negative XXXX. Then transfer XXXX. To new acct. XXXX I have XXXX XXXX I can't get to ss. Without my XXXX. XXXX. Case XXXX of Path XXXX XXXX. 

I almost DIED AT SOCIAL SECURITY LAST TIME I WENT. 

RESPECTFULLY, AND WITH LOVE, XXXX AND XXXX XXXX
Product: Debt collection

I am writing to dispute several inaccuracies on my credit report as prepared by XXXX. I am requesting that you immediately correct and/or delete the following items from my credit report, as they do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete report, and I am asserting my legal right to have these items corrected. 

Please be advised that I am exercising my right to dispute inaccurate information under the Fair Credit Reporting Act, which requires you to investigate these matters thoroughly. I am also aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed lawsuits against XXXX and XXXX for conducting sham investigations, and I expect a thorough and complete investigation of each disputed item as per the law. Failure to resolve these disputes accurately may result in further legal action.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) -This account is being reported as a collection, which I dispute. Please verify the validity of this debt and provide me with proof of the debt and the creditor. If you can not verify the account in accordance with the law, I demand immediate removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of accounts on my credit report. Despite my previous efforts to dispute these accounts, XXXX continues to reflect them as valid, which is both inaccurate and damaging to my credit profile. 

On XXXXXXXX, I submitted a dispute concerning several accounts that were incorrectly attributed to me ( see attached letter ). In support of my dispute, I furnished a UCC 11 form from the Illinois Secretary of State, which clearly demonstrates that there is no debt in my name associated with these accounts. This documentation provides concrete evidence that these accounts are incorrectly reported. There are no transactions recorded with the Illinois Secretary of State.

Despite this evidence, I have observed that XXXX continues to report these disputed accounts as valid. This persistent inaccuracy not only violates the Fair Credit Reporting Act ( FCRA ), but also negatively impacts my creditworthiness and financial standing.