23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation. I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. The CFPB will also geta copy of this. 

XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/2021 Carrington Mortgage representatives provided information that my XXXX XXXX mortgage only qualified for a 12 month forbearance but the policy indicates that I qualify for a maximum of 18 months. I verified this information by contacting XXXX XXXX. Carrington XXXX  has consistently provided me with incorrect information regarding COVID forbearance and modification leading me to make uniformed decisions like starting repayment prior to being able to. They are misleading many of their customers into foreclosure.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my Experian, XXXX XXXX XXXX under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the inquires.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate # XXXX and XXXX and 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 Account Name : XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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: Student loan

I applied for the XXXX plan on XX/XX/23. Aidvantage emailed me a few days later asking me to call them about exiting my current XXXX  plan. I called them a few days later. During that call, they said that they didnt need anything else from me and that my XXXX plan could take a month to process. So, then I waited and waited, nothing happened and it said that I was going to owe when the pause resumed. I finally called again right before it said that my first payment was due. This time they said that something was wrong and that they were fixing it. They put me on a two month forbearance while they said it was processing. This is not good because I need more months for my PSLF. Now, its less than a month until my payment is due again, and still no paperwork or anything has come through.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from XXXXXXXX XXXX  for the amount of {$55000.00}. I drive a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

XXXXXXXX XXXX allowed this fraud to occur, and both XXXX and Equifax have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor XXXX have taken adequate steps to rectify this matter. 

This fraudulent activity has had a significant negative impact on my life. My husband is a military veteran, and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud. 

Additionally, it is now important to note that this loan has been charged off by XXXX. Based on the precedent set in XXXXXXXX XXXX XXXX XXXXXXXX XXXX, the charge-off was removed after the filing XXXX XXXX XXXX XXXXm. XXXX can not both charge off the debt and continue to collect on it, especially since this debt is not mine. 

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.
Product: Credit card or prepaid card

I applied for and opened a Care Credit Card account in XX/XX/2018. I never received the physical card. The card was received and used by an individual unknown to known to me. The individual presented a fake drivers license to complete the transaction. I have provided Synchrony/Care Credit with the appropriate documents for months but they refuse to investigate the claim to the fullest extent otherwise they would find that the transactions were fraudulent and could not have possibly been made by me.
Product: Debt collection

Over the past few months I have been requesting validation on multiple occasions for a debt that is listed on my credit report. I have bee requesting evidence that bears my signature that shows that I have a contractual obligation to pay Military Star. I have not received anything that I requested and it is still listed on my credit report from all XXXX of the Credit Reporting Agencies.
Product: Debt collection

National credit adjusters has placed 3 accounts on my credit. They sent me paperwork with misspelled name of mine but no proof the debt is mine. This is a check cashing place that I looked up and never used. They refuse to respond timely and can not verify this debt. But refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) via CFPB Portal Subject : Formal Complaint Experians Failure to Address Inaccurate Payment Reporting Experian Report Number : XXXX Account : XXXX XXXX  XXXX Dear CFPB, I am filing this formal complaint to address Experians failure to conduct a reasonable investigation into inaccurate payment reporting for an account on my credit report. On XX/XX/year>, I disputed the reporting of my XXXX XXXX  account, citing incorrect payment information. Within less than 10 hours, Experian issued a response acknowledging that the account was inaccurately reported but stated that it would not be removed or corrected.

The response provided by Experian reads as follows : The incorrect account with XXXX XXXX  that starts with XXXX has not been changed and will remain on your credit report. 

This swift response strongly suggests that Experian did not conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ) : Experians response timeframe raises concerns about whether XXXX XXXX  was contacted to verify the reported information.

The account has already been acknowledged as containing errors, yet Experian has refused to correct or remove the inaccuracies.

2. Failure to Correct or Delete Inaccurate Information ( FCRA Section 623 ( b ) ) : By law, credit reporting agencies must delete or correct inaccurate information if it can not be verified as accurate.

Actions Requested : I respectfully request the CFPBs assistance in ensuring Experian complies with the FCRA by : 1. Conducting a proper investigation into this accounts payment reporting errors.

2. Providing clear and verifiable documentation from XXXX XXXX to substantiate the payment history.

3. Correcting or removing the account from my credit report if it can not be verified as accurate and complete.

Supporting Documentation : A copy of Experians response ( Report Number : XXXX ). 
A copy of my credit report showing the disputed account and errors.

Desired Outcome : I request that the CFPB hold Experian accountable for its obligations under the FCRA and ensure that this matter is resolved promptly. Experians failure to address this issue impacts my creditworthiness and creates unnecessary financial hardship.

Thank you for your attention to this matter. I look forward to your assistance in resolving this dispute.

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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit card or prepaid card

My son, who has had a XXXX and lives in a group home, applied and was given a credit card for Synchrony Bank. I did not know about this credit card, and since I am his guardian, I am left trying to deal with Synchrony Bank. They keep harassing me, and him. I sent them documentation, but they are still texting him and calling him. I just got another bill for {$180.00}. ( the headphones he bought only cost {$70.00} ). I was told by an attorney that I do not have to pay the bill. I keep trying to write to them, but they keep sending statements and increasing the amount that they want from us.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). This request stems from my unfortunate experience as a victim of identity theft, which has resulted in inaccurate and damaging information being reported on my credit profile. Below is a summary of the actions I have taken to address this matter and the persistent issues I continue to face : 1. Discovery of Fraudulent Accounts : After my divorce, which was finalized over a year ago, I discovered that several fraudulent accounts had been opened in my name and were being reported on my credit profile. I confirmed with my ex-husband that he did not open these accounts using my information.

2. Initial Steps Taken : o In XXXX XXXX I immediately placed a freeze on my credit account and added a statement to my file indicating that I am a victim of identity theft. 
o I filed a report with the Consumer Financial Protection Bureau ( CFPB ) documenting the fraudulent accounts and also filed a police report to support my claim. 

XXXX. Notifications to Creditors and Credit Bureaus : o In XXXX XXXX I sent formal letters to XXXX XXXX and XXXX XXXX notifying them that I am a victim of identity theft. XXXX XXXX removed the fraudulent accounts from my credit profile. However, XXXX XXXX failed to do so. 
o On XXXX XXXX XXXX  I mailed letters to all three major credit bureaus ( XXXX, XXXX, and TransUnion ), informing them of my identity theft situation. I included copies of my CFPB report, police report, and the letters sent to the collection agencies. In these communications, I formally requested the removal of the fraudulent accounts from my credit profile under FCRA regulations. 

XXXX. Ongoing Issues : o Despite my efforts, I recently received a notification that another fraudulent collection account was added to my credit report. I disputed this information online with XXXX, providing copies of my police report, CFPB report, and a letter stating that I am a victim of identity theft. 
o To my surprise, I received notification from the credit bureau that the debt from a company call XXXX XXXX was verified as valid. I have never had any dealings with LVN Fundings or The Bureaus, yet these accounts remain inaccurately reported on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX, {$3200.00}, XXXX XXXX XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt. 
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims been made by any creditor regarding this account. 
4. Any Judgments obtained by any creditor regarding this account. 
5. Name and address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12 Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX creidt reporting agency as well as XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft, a databreach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX XXXX account number : XXXX, opened on XX/XX/XXXX. This accounts has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question HERE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their were a XXXX credit cards open in my name due to fraud. All the Credit Agencies removed this account but Transunion reinserted after they had removed it. That dropped my score 115 points, stopping my chances to qualify for financing.