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

I am writing to formally file a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) provisions, specifically 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). 

From XX/XX/XXXX- XX/XX/XXXX, I sent multiple dispute letters to Experian regarding inaccuracies in my credit report. Despite my efforts, Experian has not properly investigated these disputes, nor have they corrected the errors as mandated by the FCRA. 

These unresolved errors are adversely affecting my access to credit, employment opportunities, and housing options. 

I am aware of the recent CFPB lawsuit against Experian titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' This lawsuit demonstrates a pattern of inadequate dispute resolution and failure to maintain accurate credit reports, which aligns with my personal experience. 

XXXX XXXX - Account Number : # XXXXXXXX XXXX XXXX - Account Number : # XXXXXXXX XXXX  Account Number : # XXXX I request that the CFPB investigate Experian 's practices regarding my case and take appropriate action to ensure compliance with the FCRA XXXX Additionally, I seek the correction of all inaccuracies in my credit report and assurance that such issues are rectified promptly. 

I appreciate the CFPBs attention to this matter and look forward to a resolution that upholds my consumer rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update 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 them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage LLC, which was the foreclosing bank/collection agency continues to report negative information despite the fact that the date of last payment, which was made to  XXXX   XXXX  Loans, was made on  XXXX / XXXX / XXXX . They are attempting to reage by claiming a payment was made to them in  XXXX .  XXXX  did not investigate rather they merely put wrote this fact as a consumer statement on report rather than correcting the error and removing the negative, outdated and inaccurate information. I have spent 10 years trying to recover from losing my home and rebuilding my credit. Yet they are trying to report it for 14 years. Nationstar has already been punished for this practice yet they continue their fraudulent practices.   XXXX  In addition, Nationstar was not even the owner of record who had the right to foreclose but i doubt anyone cares about that
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXXXXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}
Product: Money transfers

My account with paypal was frozen and I have a balance due to me of {$470.00}. Paypal wont release it and I want my money ASAP!!!! It was already been 3 months this is unfair, that is my money.
Product: Credit reporting or other personal consumer reports

i HAVE IDENTIFED THE REPORTING OF THE INFORMATION BEING REPORTING ON MY CONSUMER REPORT AS IENTITY THEFT. THESE TRANSACTIONS AND ITEMS ARE NOT RELATED NOR MADE BY ME. DELETE UNAUTHORIZED REPORTING INQUIRIES : XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022XXXX XXXX XXXX XXXX XX/XX/2022. PLEASE DELETE
Product: Mortgage

Nonrenewal, Other, Premium Notice/Billing, Unsatisfactory Settlement/Offer Other Reason XXXX : Accounting Breach Implied Covenant of Good faith *Details of the Complaint : Starting on XXXX XXXX XXXX the XXXX day of XXXX, the Insurance company has delayed the Mortgage payments to the extent of causing extra fees and deferred interest among other charges to make the pay-off a larger amount than when the XXXX began.After the insurance coverage limit was reached at $ XXXX on XXXX the next XXXX statements indicated {$00.00} owed for those months. Then in XXXX XXXX a statement came saying to start making payments of roughly {$1000.00} per month again.I made those payments and they were not applied anywhere.Though I did notice that the deferred Interest amount had increased by almost the exact amount that those ( XXXX ) payments I made totaled.I then sent them a QWR letter requesting documents and an explanation.What they sent back was evidence of their wrongdoing over the past 12 years since we started the mortgage including the XXXX periods broken into 24 month segments.They basically kept sending continuance of XXXX forms and rejecting them and saying we needed to fill out a different XXXX in order to delay paying themselves.These forms were filled out by Certified Doctors each time. 
They even sent XXXX letter back saying that my doctor ( XXXX XXXX was not a real doctor even though they had accepted her forms for over a 2 year span.She is a real doctor XXXX or was at that time.So I had to get a new doctor to fill out the continuance forms. At that time I was XXXX. The situation caused XXXX on me and my wife.XXXX I did file for a Chapter XXXX Bankruptcy and it was discharged XXXX. I did not reaffirm the Mortgage.I am faxing several pages of documents for your examination of the problem. I just want the amount owed to be right and them not to be allowed to cheat us as they have done to several million people over the past XXXX decades.Please feel free to call me with any questions or more documents. I have hundreds of pages of letters and statements. 
Please help us out if you can. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here is what happened. 

On XX/XX/year>, I sent a letters to XXXX, Equifax and XXXX about mistakes to my credit report. 

Here are the issues : wrong names and wrong addresses that are not mine. I also sent a follow up letter with no responses on XX/XX/year> Wrong Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not my addresses : XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Inquiries, no signed paperwork and no idea where it came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX That's all. 

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

My Identity was stolen on dates around XXXX - XXXX Accounts have been opened in which I am receiving harassing phone calls even though I have done everything on my part to file police reports and provide all necessary documentation proving only my personal information was used without my consent or knowledge. Please assist me in getting this resolved once and for all.
Product: Bank account or service

I signed up citi checking account last XXXX for promotional sign up bonus. Basically I need to deposit $ XXXX new money within 30 days of opening the account. Within 90 days, {$400.00} sign up bonus should be posted in my checking account. However, it has been more than 4 months but the sign up bonus still has n't been posted. Contacted citi many times but it takes forever to give me an solution. NEVER TRUST CITI!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDU Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

Complaint to the CFPB Regarding TransUnion Practices Date : XXXX/XXXX/XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX  XXXX RE : Fair Credit Reporting Act ( FCRA ) Violation by TransUnion Dear CFPB, I am writing to file a complaint against TransUnion regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., and particularly 15 U.S.C. 1681i ( a ) ( 5 ). 
I have repeatedly disputed inaccurate information in my TransUnion credit report. Following the dispute process outlined in the FCRA, I requested a description of TransUnion 's reinvestigation procedures. However, TransUnion has responded by claiming my information regarding the dispute is illegible. I have provided clear and concise documentation to TransUnion for the dispute. 
TransUnion you are intentionall sending stall letters to avoid a proper investigation and resolution of the disputed information. These stall tactics violate my rights under the FCRA to a fair and accurate credit report. 
Specifically, I request the CFPB to : Investigate TransUnion 's practices regarding responding to dispute requests and descriptions of reinvestigation procedures. 
Ensure TransUnion conducts a thorough investigation into the disputed information on my credit report using the clear and concise information I have provided. 
Direct TransUnion to cease using stall tactics and provide me with a timely and accurate response to my dispute. 
I would also like to be contacted by the CFPB to discuss this matter further and explore potential next steps, including holding TransUnion accountable for potential FCRA violations. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Product: Debt collection

This dispute is in response to mailed correspondence from your firm to collect a debt that I contend was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX  / ERC is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I require verifiable proof ( an original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX XXXX / ERC cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper verification would negatively impact my ability to obtain credit and my next course of action will be litigation. If verification is not received within 30 days of this dispute under FCRA, unverified account reporting must be remove from all of my credit reporting agency reports.
Product: Credit card or prepaid card

On XX/XX/ I sold my XXXX in the XXXX at Wal-Mart XXXX XXXX XXXXXXXX XXXX  XXXX The options for payment were only Venmo and PayPal. I chose Venmo. I was able to access my account just like always. When I received the payment of {$350.00}, Venmo would not let me transfer my money to my debit card or too my bank. And now my account is suspended and NO ONE at Venmo can give me a reason why. I have yet to receive an email stating why my account is suspended.
Product: Student loan

About 6 months ago, I requested for my loans with Navient to be consolidated. Soon after this request, I told called  Navient and  told them I changed my mind, to cancel my consolidation. a few months later, I realized they went ahead and consolidated my loans. I argued this was a mistake. They told me it can not be  UN do ne. They looked through my phone records and told me this request was not found. I then called the ombudsman group and they worked with me and a Navient represent ative. One month ago, my loans were UN consolidated . Most of my loans were separated and I was happy. In fact, this was reflected in my online records. Everything was fixed. The  Navient manager said she was closing my case. I received a phone call today by this same manager apologizing to me and telling me there was a mistake. The reversal of the consolidation was a mistake. They were now in the process of RE consolidating my loans . I can not understand how this happened. How there have been so many mistakes in my case. I want my loan s UN  consolidated. I do not want a consolidation. I do not know who to turn to. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request to Block and Delete Fraudulent Accounts Under Under 15 U.S.C. 1681c-2 ( a ) I am writing to formally notify you that I am a victim of a data breach that has resulted in fraudulent activity associated with my personal information. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate blocking and deletion of all accounts or information identified as fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Re : Social Security Number XXXX XX/XX/2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block 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. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX ACCOUNTS listed in my FTC report
Product: Debt collection

I have reviewed my credit report and found several accounts that I did not authorize. Kindly ensure these fraudulent accounts are blocked and removed right away.
Product: Credit reporting or other personal consumer reports

I noticed that unauthorized inquiries are showing up on my credit report this morning, and I do not know why. I just checked my credit report as usual, but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a glitch or something but it was not. The unauthorized inquiries were not removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent be checked thoroughly so I can never worry again about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/ my personal PayPal account was limited and my funds withheld without explanation or any way to resolve it. It was the day after receiving my tax refund. These types of limitations occur on business accounts and I don't have a business account and I have never sold anything on PayPal or have received payment for business dealings. I receive my paycheck with direct deposit through PayPal and have done so for almost a year. I have repeatedly contacted PayPal by phone and message about this and how I can resolve it but I haven't been given any explanation whatsoever. On XX/XX/2023 when my account was frozen I was told from customer service that I would hear back from them within 72 hours about a review of my account and it's been over a week and I have bills to pay and my electricity is about to be cut off. I have never violated the user agreement or the terms of service.
Product: Money transfer, virtual currency, or money service

Didnt give authorization to XXXX XXXX transfer funds from my account to another.
Product: Vehicle loan or lease

As of XXXX acct number began with XXXX with credit acceptance I let them know there was a gas issue with the vehicle they never corrected, I paid for the repair out of pocket. After that I had another issue with ignition and didn't have the money to come out of pocket for that repair and the car note and the insurance plus what I originally paid for the 1st repair. After that I advised them to come get the vehicle and remove it from my consumer report less than 30 days I return the vehicle and it has still not come off my credit report it shows repossession and ruining my reputation with a derogatory mark on my credit report. This was for a used old car like a XXXX XXXX XXXX XXXX for about {$10000.00}
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXXXXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Early Warning to have inaccurate items removed from my consumer report as well as some unknown things. My XXXX dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Early Warning at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Credit card

Tonight, Wednesday, XXXX XXXX, XXXX, I attempted to pay {$6.00} on my XXXX Chase account. However, I did not wish to speak to a person over seas. I used the voice recognition and stated my name and address. 
However, the representative still wanted more information that I refused. 
I do not want an increase in my line of credit and I do not want any updates as my address, phone number, income is still the same. 
But I was transferred 3 times to the fraud department. 
This over attempting to make a {$6.00} payment. I think I was flagged because of discrimination by Chase. There was absolutely no reason that I was directed to fraud.

One person in fraud did not have a clue why I was transferred so I disconnected the call. Then XXXX and XXXX would not tell me as well as to why I was directed to the fraud department. I do not desire an increase in the line of credit ; I simply wanted to pay the account out. 
I am now going to mail the payment and will decide how to address this discrimination against me for no reason whatsoever. I pay my account out and keep a very low balance. There was no reason to try to force me to give an update or verification. I was singled out.
Product: Money transfer, virtual currency, or money service

I have XXXX  XXXX XXXX. I used Zelle. They never made it clear that you could not get money back if it was accidentally sent or if there was an error in sending money to someone. There was no warning or help or even a way to get the funds back.