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

I had send them a letter to validate all inquiries and verify and in less then 20 days they send me a email the disputed was already and check no report was send to me by mail what they need to do or a report of my disputed. I also made a compliant with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXXXXXX acct # 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease to own purchase with American First Finance. I paid my account on time and was never late because I used autodraft. XXXX XXXX weekend, my checking account was compromised, and a new checking number had to be issued. This caused my auto draft to be returned. So XXXX 's payment was returned. I paid the account in full on XXXX XXXX XXXX 
Despite the fact that on XX/XX/XXXX the account was paid in full. American First Finance reported my account on XX/XX/ as " 30 days past due and Paid " to both my XXXX and XXXX report dropping my score 50 points. 

On XXXX XXXX XXXX  I did not owe a balance to this company. The account was paid off.
Product: Student loan

I received my XXXX XX/XX/XXXX, in which I began paying the following year through XXXX XXXX. While trying to find a steady job, XXXX XXXX made me go on forbearance of my student loan, because I could not afford to pay. It only accumulated more interested and added to my loan principle. It then transitioned to Navient and my payments went into the {$300.00}. Again I could not afford that, so I called to seek options. They put me in what they led me to believe was a income based payment, to find out it was a interest only payment. I started graduate school XX/XX/XXXX, in which my student loans went on school deferment. Today I called to get information on my next due payment, to find out that my loan principles are higher than what I ever took out. One of my loans beginning principle XX/XX/XXXX was {$9700.00} and now the unpaid principle is {$10000.00}. The other began at {$8000.00} XX/XX/XXXX and is now at {$8700.00}. I 'm in the XXXX field and have been looking at loan forgiveness, having been paying over 10 years. Today I feel I will NEVER reach financial freedom with my XXXX loans that I did n't make a dent, but now also show a higher principle ( which makes no sense ). In addition, I now owe {$18000.00} to the State of Texas for my XXXX degree. It almost feels like the more you accomplish, the further away you get from financial freedom. Navient deceived me and can not answer to my payment history with XXXX XXXX. Being in a helping profession that is underpaid, payment forgiveness and/or assistance should not be that difficult. Especially when your service is going back to serving the vulnerable populations of this country.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian 4 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to Experian. My next step will be to sue them. These are the inquiries : 1. US SM BUS ADMIN ODA XX/XX/2020 2. XXXX XXXX XXXX XXXX. XX/XX/2020 3. US SM BUS ADMIN ODA XX/XX/2020 4. XXXX XXXX XX/XX/2020 5. XXXX XX/XX/2020 6. XXXX/XXXX XXXX I XX/XX/2020 7. XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Usaa Savings Bank located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Usaa Savings Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment regarding the unresolved issue of fraudulent items.

The presence of these fraudulent items not only undermines my financial security but also erodes my trust in your company 's ability to safeguard my interests as a customer. Furthermore, the lack of resolution has caused me significant stress, inconvenience, and potential financial losses.

Therefore, I demand immediate and effective action to rectify this matter. Specifically, I request the following : A thorough investigation into the root cause of these fraudulent activities and a transparent explanation of the steps being taken to prevent similar occurrences in the future.

Compensation for any financial losses, damages, or inconvenience incurred as a result of the presence of these fraudulent items on my account.

Assurance of enhanced security measures and proactive monitoring to prevent future instances of fraud. With this, I am asking for your assistance to remove these accounts fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim that Transunion knows really well about and that the the INQUIRY ISSUE that they experienced a while back. I have tried to reason with Trans-Union Credit Bureau and eerytime they have refused to address this situation. I have simply asked them to clear my Hard Inquires and they have refused to do so.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Here is a chronological timeline of the events that happened which led me to filing this complaint ... ... ... ... 

XX/XX/2019 XXXX - alert-email about charge of XXXX XXXX [ fraudulent ] from XXXX ( later reverted back PERMANENTLY ) delivered to my XXXX inbox [ I did not initiate/authorize any purchase with XXXX ] XX/XX/2019 XXXX - " email verification '' request from XXXX delivered to my XXXX inbox [ I never initiated any email subscription for XXXX, nor have I ever used their services - they shouldn't even have my email address ] XX/XX/2019 XXXX - alert-emails from XXXX delivered to my XXXX inbox about : ( a ) charged XXXX $ amount [ disputed ] ( b ) order confirmation for " XXXX  XXXX XXXX  @ XXXX XXXX XXXX @ XX/XX/2019 @ XXXX, Order noXXXX '' ( c ) order ready to print [ I've never used XXXX services ever before - they shouldn't even have my email address ] XX/XX/2019 XXXX - tickets confirmation from XXXX delivered to my XXXX inbox XX/XX/2019 - transaction [ fraudulent ] from XXXX posted to my Bank of America credit card account XX/XX/2019 XXXX - call with XXXX  agent disputing the transaction and reporting fraud sometime between XX/XX/2019 and XX/XX/2019 - called up Bank of America, reported fraud and closed the credit card account. Also called up XXXX to review their arrangements with XXXX   who is their third-party re-seller XX/XX/2019 - fraudulent charge [ disputed ] on my credit card taken off by Bank of America XX/XX/2019 - letter received from Bank of America about taking off fradulent charge and that they are investigating further into my claim XX/XX/2019 - final letter from Bank of America that their investigation found that there was no evidence of fraud, hence the charge of XXXX $ added back to my new credit card account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SUMMARY : I never authorized or initiated the purchase of any concert tickets with XXXX and XXXX amounting to a transaction of {$140.00}. As I also have never used the services of both these organizations ever before, they should neither have my credit card information, nor they should have access to my email address. 

Reviewing the final letter sent to me by Bank of America, that has close to no information about the 'process ' of their " investigation '', it's very clear that the Bank has failed to do due diligence to their own investigation. I do not agree with the final findings of this investigation and I make a stand that the charge is wrongful/unauthorized/fraudulent and should be reverted from my credit-card account permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Debt collection

I have 2 collections from XXXXXXXX XXXX for the same amount of XXXX. One is for an account dated XX/XX/2018 and one is XXXX XXXX they have been assigned to southwest recovery service . I have never had a XXXX XXXX account and I called to inquire with southwest recovery and they said call XXXX XXXX, when i called XXXX XXXX the said call southwest recovery. XXXX XXXX  or southwest recovery has never tried to contact me, of course they wouldnt know my phone # or address because ive never had an account with them.
Product: Credit reporting

Equifax reporting incorrect information. specifically, a negative XXXX XXXX account that is not mine thus impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX paid off this loan please remove it from my credit. This has been paid in full
Product: Debt collection

Dear cfpb, I, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are fruad for the following items : 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 challenges the * 30 day response time * +15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol * *15 USC 1681 ( a ) ( 5 ) B challenges reinsertion protocols I am a victim of fraud and this is not my account, and I want it removed immediately under 42 U.S code subsection 12203, Ucc1 308 FCRA, FCRA 15 USC 1681,1692, 18 USC 1028A, 15 usc 1605 TILA act I am disputing this claim due to : account FRAUDULENT and I Am REQUESTING it to be removed immediately This is my official request to have the aforementioned items to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 39 605B - 15 U.S.C. 1681c-2 Unauthorized Use of Personal Information : ** If someone illegally obtains your personal details ( such as through a data breach or phishing scam ), they might use it to apply for credit.

2. Creditors Reporting Accounts : ** These unauthorized accounts are reported to credit bureaus by the lender, leading to negative items ( like debt, late payments, or collections ) appearing on your credit report.

3. Aggravated Identity Theft Crime : ** Since your identity was used to commit fraud ( such as applying for credit ), this qualifies as aggravated identity theft under **18 USC 1028A**, which covers identity theft committed by other criminal acts, like fraud. 

ID FOR COMPLAINT SENT TO EXPERIANXXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX LLC Account Number : XXXX This is not mine. 


5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

Received a voice mail at work over the weekend for a name I couldn't completely understand ( sounded like XXXX XXXX? ), but it was not recognizable as mine nor any of my coworkers. Said she was XXXX with " Comenity Bank '' and to please call XXXX ext XXXX. So I tried to on Monday but that phone number is now " not in service '' ( 2 days later ) so I tried the number that she called from : XXXX. That number IS Comenity Bank but none of the options are to talk to a person, so I entered the extension number and it took me to " payments '' and wanted me to enter my account # OR my social security number, of which I did neither. At no point can I tell this company to not call our office again as they are either 1. looking for someone not here or 2. phising for information like social security numbers .
Product: Mortgage

OCWEN MORTGAGE CONTINUES TO HARASS ME AND REPORT FALSE INFORMATION TO THE CREDIT BUREA THAT IS NOT TRUE. I WAS IN CHAPTER XXXX FROM XXXX XXXX UNITL XXXX/XXXX/XXXX OCWEN MORTAGE BROUGHT MY MORTGAGE XX/XX/XXXX THEY ARE REPORTING MY MORTGAGE LATE 30 DAYS AND 180 DAYS MY ACCOUNT HAS NOT BEEN LATE
Product: Debt collection

Had me sign a paper with no amount on it after I have signed it they added in the wrong amount that I said I would not pay trick me into signing the paper saying that I would not have to pay long as I signed it I only owe for 20 days of rent after I signed they added 2 months saying I owe them a 60-day notice I moved out on the end of my lease 20 days into the month
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit card or prepaid card

I have multiple credit cards with comenity bank and they have been " updating their system '' for over a week now. I am unable to do anything on my account including making any payments. I can't even log into my account without receiving an error message. My payments are coming due and I do not have a way to make them. The phone systems for comenity bank are not working and I do not have a way to mail in payments as I have e-statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account 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 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

I have asked them to remove these student loans off my record. They are not accurate please have them removed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you can not add this to my report without my permission or knowledge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Department Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

I have disputed again today after many unsuccessful disputes. 


Sincerely, [ XXXX XXXX ] [ XXXX ]