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

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Under FCRA Section 605B Dear Experian Dispute Department, Account # 6 XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ]. This section provides identity theft victims with the right to block fraudulent information from their credit files.

I have been a victim of identity theft, and as a result, my credit report contains fraudulent accounts that I did not open. In accordance with FCRA Section 605B, I am requesting that Experian block and remove the following fraudulent items from my credit report.

Under FCRA Section 605B, Experian is required to block this fraudulent information within four business days of receiving this request. I expect written confirmation once the fraudulent accounts have been removed from my credit file. 

Please send me an updated copy of my credit report reflecting these changes. If you require any additional information, feel free to contact me in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ]
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 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 can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was in the custody of XXXX XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They took me to the XXXX  for XXXX. I am not responsible for being XXXX XXXX XXXX XXXX XXXX! This happened XXXX XXXX. I was never notified of anything until it showed up on my XXXX XXXX account! I was told I would have to pay for nothing ... I asked who has to pay for this and would have refused treatment if I was having to pay. So given the fact I had been beaten by the police and traumatized extremely.. its a slap in the face to sneak bills into collections in my name
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Vehicle loan or lease

15 usc 1605 was violated. 15 usc 1662 was violated. 15 usc 1635 violated. the company is exter fiance. once we get in contact i will have more info. for you guys thanks.
Product: Mortgage

I open two loans. Loan.XXXX and Loan. XXXX, At that time i had set up both accounts for automatic payment. I have funds in bank and can be proved. 

I never got confirmation on either of the account if the Auto Pay has been set up or not. When i log back in to my account online, they both still don't show if there is a Auto Pay set up. 

I had then called the customer Service and was assured that all is in working order and nothing to worry about. I now found 30 Day Late being reported to my account.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to bring to your attention an issue I recently identified on my credit report, which I strongly believe to be inaccurate and detrimental to my credit status. The item in question, as detailed below, is adversely impacting my financial standing : Account # : XXXX Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2023 Balance : {$450.00} No. of Months ( terms ) : 1 High Credit : {$690.00} Credit Limit : {$0.00} Past Due : {$450.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/2023 Date of Last Payment : XX/XX/2023 Per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I have personally observed this entry and can confirm that it is both erroneous and adversely affecting my credit profile. Consequently, I insist on its immediate removal from my credit report to rectify the damage it has caused to my financial standing. 

I kindly urge you to undertake a thorough investigation to validate the accuracy of this information with the creditor. Should it be verified as inaccurate or unverifiable, I request its swift removal from my credit report. 

Under the FCRA, I understand that you are required to complete this investigation within 30 days and provide a response to my request. Therefore, I kindly request that you expedite this process as much as possible to alleviate the adverse impact on my credit. 

Furthermore, I request that you acknowledge receipt of this dispute letter within 10 business days and provide me with a case or reference number for tracking purposes. 

Thank you for your prompt attention to this matter. I am dedicated to resolving this dispute in a timely and cooperative manner and sincerely appreciate your assistance in helping to maintain the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out on XXXX XXXX 2017 that Equifax potentially leaked sensitive personal information about me, and that the security breach had been open for 5 weeks. I am worried that I may become a victim of identity theft, which puts me at risk for loss of thousands of dollars and ruination of my credit.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX  XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Product: Student loan

In the summer of XXXX, I applied for a student loan from Wells Fargo to attend XXXX school. At the age of XXXX, I had no idea what I was signing and as I look back I felt they preyed upon me. I was not working and had no idea about the financial end. They never asked for a co-signer but because I had good credit granted me over XXXX for a student loan. At that age, I had no idea what I was doing. I work very hard and pride myself on my current and past payment history. I have been paying the loan since XXXX and it has gotten nowhere. I have sacrificed many years being away from my family to make more money doing XXXX  XXXX trying to pay my loans. I now have my own family and am experiencing financial hardship due to the Wells Fargo irresponsibility of qualifying me for a loan, that I now know should have never been granted. I feel they have set me up for failure. I do not know what to do since I can not file for bankruptcy. I am complaining because I never would wish what I am going through on anyone. As hard as I and my husband work we still can not afford to buy a house. It also has prevented us from having any more children. If there is any guidance you could give me I would really appreciate it. Kids need to be educated before granting them any loans on their own.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : You Violated The United States XXXX XXXX XXXX XXXX Code XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 


1. Under penalty of perjury I swear this account is false and misleading NATL RECOVER Account Number : XXXX Please remove it from my credit report. 




I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is ILLEGAL, as each dispute and challenge must be addressed INDIVIDUALLY and on its own merits. My letters were created by software thats created for everyone. 

If you dont process my letters, you are VIOLATING XXXX XXXX XXXX XXXX XXXX. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party, may be available. This is NOT a legal exception. 

I am the AUTHOR of any letters you receive with my name on them. Either I or my advisors wrote them with my FULL KNOWLEDGE and CONSENT. I am aware that there is no law that says you need to provide a POWER OF ATTORNEY in order to delay processing letters from a consumer. IF YOU DO NOT PROCESS MY LETTERS IN A TIMELY MANNER, I WILL consider it to be an INTENTIONAL disregard for my rights. 


Sincerely, XXXX XXXX CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, D.C XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX CC : XXXX XXXX XXXX XXXX CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency
Product: Debt collection

Good Evening, Please review the attached and advise next steps regarding the Apple Credit Card. I am looking to settle any debt from the previous debt attached to my credit. Please respond at your earliest convenience. 

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

I have disputed this XXXX XXXX XXXX account being reported inaccurately on my credit report and demanded that it be investigated for the errors that I have found and after sending my first dispute letter to all 3 credit bureaus only XXXX has removed it from my credit report however it has not been corrected or removed by XXXX or Equifax after approximately 60 days of disputing and as per the FCRA this account must be removed immediately for all the errors and violations. 
Inaccurate information being reported is as follows : a ) high credit limit- inaccurate b ) credit limit -inaccurate c ) dates last reported -inaccurate d ) date last active -inaccurate e ) date of last payment - inaccurate f ) payment status inaccurate on these dates XX/XX/2021, XXXXXXXX XXXX  XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 and this is a direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX. XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX - XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX  XXXX - XXXX {$550.00} XXXX - XXXX {$2900.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX XXXXXXXX - XXXX {$990.00} CAP XXXX - XXXX {$510.00} XXXX  - XXXX {$330.00} XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX {$1500.00} XXXX  - XXXX XXXX  XXXX - XXXX {$350.00}
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 XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ar XXXX XXXX. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 days,XXXX  120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. 

Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiries : 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