23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reviewing my credit on experian I saw this outstanding balance collection of {$940.00} owed to XXXX XXXX XXXX XXXX '. It showed it was opened on XX/XX/XXXX of 2022. This is not my account I did not do this. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze on my credit with equifax after receiving a letter from equifax say my personal data had been breached this was XX/XX/2019. I then have tried to remove the freeze so I can sign-up for cell phone service with XXXX XXXX XXXX but can not get the freeze removed. When I try on-line they say " can not complete your request right now ''. When I call they tell me " the system is updating to call back in a 1/2 hour to an hour ''. I have called back and called back for 2 days and still get the same answer.
Product: Credit reporting or other personal consumer reports

I've reached out to Experian numerous times throughout the years, in the beginning of last month of XXXX I sent them 2 letters expressing my concern about reporting inaccurate information which is effecting me financially tremendously. I have spoke to them over the phone as well and let them know to send me something validating my signature with the original creditor and they are not able to provide that information. Experian is not complying with their own policies in a timely manner is also a problem for me.
Product: Credit reporting or other personal consumer reports

This is my third complaint regarding this matter. 

Equifax sent me a letter claiming they could not locate my Equifax profile and they requested proof of identification. The email associated with my Equifax account is XXXX. Equifax does not need any more proof of my identity in order to satisfy my request. 

Moreover, I have attached a copy of their initial dispute results, which is clearly attached to my Equifax credit profile. This is also proof that they were in fact able to locate my Equifax credit profile appropriately and any further requests to prove my identity are absolutely unnecessary and prolong the investigation which continues to hurt my ability to obtain credit. 

Based on that information, I would like to point out that this investigation has taken longer that the 30 days required by the FCRA. I respectfully request the inquiry listed below be removed from my credit profile immediately. 

My second complaint was : XXXX " Reference initial CFPB complaint ( XXXX ) dated XX/XX/XXXX Equifax has not completed the investigation to my dispute, which is listed below : " While checking my most recent credit report, I noticed a credit inquiry that I did not recognize and did not authorize anyone to pull my credit report. The inquiry was made by the company listed below : Bank : XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX XXXX Date : XX/XX/XXXX Please validate the info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. ''
Product: Debt collection

ENHANCED RECOVERY ACCOUNT NUMBER # XXXX HOW THIS DEPTH COLLECTOR RECEIVED THIS ACCOUNT AND WHERE THIS {$69.00} DOLLARS COME FROM??? 

XXXX  THIS ACCOUNT DOES NOT SHOW UP ON CREDIT BUREAU SUDDENLY SHOWED UP ON MY REPORT ON XX/XX/XXXX I don't know this account and I don't owed any {$69.00} dollars for this account IT IS UNKNOWN THE ORIGINAL CREDITOR AND ORIGINAL AMOUNT OF THIS ACCOUNT. 
I AM REQUESTING TO ORIGINAL CREDITOR AND ORIGINAL CONTRACT OF THE OPENING OF THIS ACCOUNT WHRE AND HOW THIS ACCOUNT OPENED????
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Verified Charge-Off Account Dear Experian Team, I am writing to follow up on my previous dispute regarding the XXXX account ( account number : XXXX ), which you marked as " verified '' in your last investigation. Despite this verification, I am disputing the accuracy of this account 's status and balance. 

Recent allegations outlined in the Consumer Financial Protection Bureau 's lawsuit against Experian, filed on XX/XX/year>, have raised concerns about the integrity and accuracy of consumer data handling practices. 

In light of these allegations, I believe that I am a victim of the practices cited in the lawsuit and am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request validation of this account. I am particularly concerned about the verification process you conducted to confirm the accuracy of the above-referenced account. Therefore, I request detailed documentation and evidence used to verify the accuracy of this account. 

The account in question is a charge-off that is incorrectly reporting an outstanding balance of {$340.00}. According to my records, the balance should not be reporting as such. Reporting a balance owed after an account has been charged off is fraudulent. This account was charged off and should not be reporting a balance owed. Experian has failed to conduct a proper investigation, and I request that this account be deleted immediately. 

Please provide the following : Detailed steps taken in your recent verification process. 

The original creditor 's name, address, and contact information. 

Copies of any documents used to verify the account 's accuracy. 

Any communication exchanged between Experian and the creditor regarding this account. 

The date the account was closed. 

The date of the last activity on the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported is accurate and verifiable. I am requesting that this account be re-investigated and the incorrect balance be rectified immediately. 

Your prompt attention to this matter is appreciated, and I trust that you will comply with the legally required time frame for addressing disputes. 

Thank you for your cooperation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information regarding the charged-off account with XXXXXXXX XXXX account number XXXX, as reported by your agency. I have recently obtained my credit reports from XXXX, Experian, and XXXX, and I have noticed significant inconsistencies in the last active dates of the account as reported by each bureau. For the amount of XXXX. 

The discrepancies in the reported last active dates are as follows : XXXX : Last Active Date - XX/XX/2023 Experian : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 These conflicting dates are causing confusion and concern for me as a consumer. It is essential that the information on my credit reports is accurate and consistent across all three credit bureaus to ensure fair and accurate assessments of my creditworthiness. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported last active dates for the mentioned account. If there is an error or inconsistency in the reporting, I request that it be corrected promptly to reflect the accurate and consistent information across all three credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy and integrity of the information they report. I am well within my rights as a consumer to request a comprehensive investigation when discrepancies are identified. 
Please provide me with a detailed response regarding the results of your investigation. If the reported information is found to be inaccurate, I expect the necessary corrections to be made without delay. Additionally, I request written confirmation of the resolution and the updated information after the investigation is completed. 
I appreciate your prompt attention to this matter and your commitment to upholding the standards of accuracy set forth by the FCRA. Please provide me with a timeline for when I can expect a response and resolution to this dispute. 
Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

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

I reported a fraudulent account on my consumer report to XXXX and EQUIFAX. This account is from a company name XXXX XXXX XXXX # XXXX. I do not have any business with then whatsoever. i filed an ftc report and i made EQUIFAX AND XXXX aware and put them on notice about the fraud. see attached letters sent certified with green reurn card XX/XX/2023. Equifax XXXX XXXX XXXX the fraud account was removed then put it BACK on my Consumer Report WITHOUT A FIVE DAY NOTICE. 
THEY ARE VIOLATING. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have attached all the relevant documents pursuant the above Section of the law. 
I demand all the above Fraudulent accounts DELETED immediately. 
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) THIS IS HURTING HARMING MY CREDIT I AM IN THE MIDDLE OF THE HOME PROCESS THIS IS DAMAGING..
Product: Credit reporting, credit repair services, or other personal consumer reports

PRE ARBITRATION NOTICE I XXXX XXXX, A federally protected consumer here by put Your company on a final notice of violation of FCRA for failing the requirement of the law by furnishing inaccurate information on my credit report. This account was due to identity theft and i did not commit any fraud, you have failed to remove this account after receiving several notices via mail and telephone communication. 
You have also fialed the requirement of the law by providing Your company is in violation of 1. 15 U.S. Code 1681ba ( 2 ) - Permissible purposes of consumer reports 2 ) In accordance with the written instructions of the consumer to whom it relates.

2. Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and 4. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

FInd Attached the letter from XXXX XXXX XXXX who you claimed furnished the information of fraud on my credit report. and identity theft report of the account.
Product: Credit reporting or other personal consumer reports

I do not owe this debt. It doesnt matter what fake documents and lies the other side tells you I dont owe it. They do not have any proof so Im not sure why you keep saying the debt was validated. You dont know anything about me or what I signed and didnt sign or pay or didnt pay. Why would you believe them when Ive disputed this debt multiple multiple times. I will never stop disputing it and fighting it because it is not owed and not mine. Why do you trust these random people over me??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} ; CXXXX XXXX XXXX XXXXXXXX XXXX : {$320.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus challenging the accurate and factual reporting of XXXX XXXX multiple times ... ... .each time the account has come back verified... how is this possible when there are so many inconsistencies in the reporting between the XXXX bureaus ... .. they should all be reporting the same thing if this is verifiable and they're not ... XXXXthey did not conduct a proper investigation ... ..all of the information is on the attached copy of my credit report with all of the inconsistencies in the reporting circled
Product: Student loan

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on 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 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 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

I am writing to inform you that I am a victim of a data breach and several fraudulent accounts have appeared on my credit report. As a result, I am requesting that these accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$25000.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$28000.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Mortgage

I paid off my loan balance on XXXX XX/XX/21. They did not send me any proof of pay- off. Final bill amount was {$3000.00} on the statement. I called 4 times requested clear tittle on my property. Still, I wait Full Reconveyance.
Product: Credit reporting or other personal consumer reports

Equifax lacks any sort of Multi factor authentication or protection from hackers for users on their base service.

One can far too easily change passwords and cause problems.

Equifax needs to update security and give us Mfa, They Sell it so its a product they already have! They just need to put it on their My Equifax service.
Product: Credit reporting or other personal consumer reports

I found an account from XXXX  XXXX XXXX on my credit file that doesn't belong to me. I filed identity theft reports with the XXXX XXXX XXXXXXXX XXXX XXXX  and the FTC ( see attachments ) I have tried to have the item removed from all three credit agencies and I was successful uploading the fraud reports with XXXX and XXXX. But Trans Union won't let me dispute online and I can not get through to a live agent to up load the reports to them.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. 

I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. 

Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA. 

I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried this might be a kind of identity theft ( 18 USC 1028a ).

I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  - Inquiry date XX/XX/ I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. 

I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. 

I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. 

Thank you for looking into this right away.