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

I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, XXXX XXXX XXXX
Product: Student loan

I attended XXXX XXXX which has now had legal trouble and basically all these loans are being forgiven. I contacted my servicer, Navient, about getting my remaining balance forgiven and I was told : " Thank you for contacting us regarding the settlement agreement announced on XX/XX/XXXX To be eligible for forgiveness under the settlement agreement, your loan must have been in default as of XX/XX/XXXX Your loans were not in default as of XX/XX/XXXX and can not be included in the loan forgiveness under the settlement agreement. Please understand that the terms of the settlement were agreed to by the participating states ' Attorneys General and Navient has no authority to alter or deviate from these terms. '' So basically because I was doing the right thing and paying my loan on time I get the short end and have to repay while someone who defaulted gets to have everything wiped clean. I have a family to support and couldn't afford to hurt my credit by just not paying so this seems completely wrong. I spoke to XXXX XXXX since I also had some federal loans and they are helping me and when I brought this up to them they said they had never heard of such a thing. Here is my loan info : Loan number XXXX, remaining balance {$5800.00}, initial loan amount {$15000.00} Please assist as this seems wrong to punish me for paying my loan and I can't imagine this is in the best interest of the consumer, it seems to only benefit a lender to keep getting money from people who pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report and the reporting of these inquiries contains information that contributes to the alleged experience and transaction between I, the consumer and the creditor.

Fact, the term consumer report as defined by 15 USC 1681 ( a ) ( d ) does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device and the reporting of these inquiries violates this.

Fact, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, the consumer, did not give any debt collector nor consumer reporting agency any written instructions to report these inquiries to any consumer report. 

As a consumer, and the original creditor I, XXXX XXXX, am seeking the following remedy from Equifax for these violations : The removal of the inquiries listed below XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX Dear XXXX, XXXX XXXX and Equifax This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the accounts listed below. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX AND XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Unapproved hard inquiries have been added to my credit report. Please eliminate them in line with 15 USC 1681c-2.
Product: Mortgage

XXXX XXXX servicer Shellpoint Mortgage has yet to produce the original promissory note of the loan agreement proving its legitimacy signed by both parties. I claim that the original promissory note are unclear and difficult to understand and very predatory in nature. Confusion as to what was financed and owed. My mortgage has been transferred more than 4 times causing major confusion on what the actually balance is.
Product: Consumer Loan

I refinanced my loan car with XXXX XXXX credit union on XXXX XXXX. A payoff check was originally sent out on XXXX XXXX it was discovered that the check did not get received at the address provided them for payoff. XXXX XXXX put a stop payment on that check and reissued a new payoff check has not been reconciled so today is XXXX XXXX and stillwells fargo did n't receive the payoff so now I am penalty with almost 90 days with wells fargo.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter for Method of Verification Request to Experian in which I have exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : * The description of the procedure used to determine the accuracy and completeness of the information. * Name, address, and telephone number of each person contacted regarding this alleged account. * A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I have requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
They have not comply and provided under the specific time the information required under my rights.
Product: Checking or savings account

About 3 months ago Bank of America notified us of fraudulent activity and we found that about XXXX was lost. At their direction we closed that checking account and opened a new one recreating in the next few weeks the entire set of autopayed bills. They told us the fraud included a forged signature that was taken to a window and they were attempting to find out how it had gotten through their system. They also told us the missing funds were taken in 2 or 3 transactions. We've called in several times in these 3 months and were repeatedly told they were continuing the research, assuring us the funds would be returned in the 90 day period. About one day short of this 90 days we got an email with a link that didn't work and an attachment that didn't open. The phone number was answered by a smooth talker who wouldn't explain why the link & attachment didn't work, and who also wouldn't tell us details of the letter except that the claim was denied because " we had gotten some benefit of the funds ''. When I asked what she meant about getting a benefit from losing , she said she would resubmit the claim, thereby adding another 60 days to the process. This makes me wonder if the bank 's goal was only to draw this out to a maximum amount. This money represents savings of a XXXX XXXX XXXX XXXX. I'm her son and executor. We are both on the account.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies XXXX, XXXX & EQUIFAX are violating my consumer rights with respect to furnishing unlawful consumer reports on my behalf. CFR Title 15 USC 1681a 2 clearly states the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; these consumer reporting agencies are in clear violation of the law furnishing information in the status section of my consumer reports containing nonpublic personal information solely to transactions and experiences between me and the banks making the reports. They are to lawfully be deleted immediately. There are over a dozen accounts where consumer reporting agencies are in clear violation of the law in the furnishing of my consumer report.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), resulting from their mishandling of my identity theft claim and failure to remove fraudulent information from my credit report following the XXXX XXXX breach. 

Summary of the Issue : I, XXXX XXXX XXXX, have been a victim of identity theft due to the XXXX data XXXX. My personal information has been used without my authorization to open fraudulent accounts, make unauthorized inquiries, and file a false Chapter XXXX bankruptcy. Despite my efforts to resolve these issues, Experian has failed to comply with its legal obligations under the FCRA to ensure the accuracy of my credit report and to block fraudulent information upon receiving the appropriate documentation. 

Failure to Remove Fraudulent Names Violation : Reporting inaccurate names despite dispute. 
Code : 15 U.S.C. 1681c Limits the reporting of obsolete or inaccurate information.

2. Failure to Remove Fraudulent Addresses Violation : Reporting inaccurate addresses where you have never lived.

Code : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual.

3. Failure to Remove Fraudulent Employers Violation : Reporting employers that you have never worked for.

Code : 15 U.S.C. 1681e ( a ) Obligation to maintain reasonable procedures to avoid errors in consumer reports.

4. Failure to Block Fraudulent Accounts Violation : Failing to block or remove fraudulent accounts even after identity theft documentation was submitted.

Code : 15 U.S.C. 1681c-2 ( a ) Credit reporting agencies must block the reporting of fraudulent information within four business days after receiving proper documentation of identity theft.

5. Failure to Remove Unauthorized Credit Inquiries Violation : Reporting unauthorized inquiries without your consent.

Code : 15 U.S.C. 1681b Limits the purposes for which consumer reports may be accessed. Unauthorized inquiries should not appear on a report.

6. Failure to Remove a Fraudulent Bankruptcy Violation : Reporting a bankruptcy that was never filed by you.

Code : 15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure the accuracy of the information they report.

Additional Reference for Dispute Process : Code : 15 U.S.C. 1681i Credit reporting agencies are required to reinvestigate disputes of inaccurate information within 30 days.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT has been been notified multiple times to prove validation of this debt. Subsequently this has been removed as a collections account from this same collections company and has since reappeared. CREDENCE RESOURCE MANAGEMENT has never proven I in fact owe this debt nor have they provided and documentation showing any financial obligation of this debt. Their offices have or continue to report invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action has negatively impacted my credit immensely. The continuously claim I owe {$99.00} on behalf of XXXX XXXX XXXX. I have not had such services at my residence under my name since around XXXX. They have since reported this debt at least three times and even under another collections agency within the last three years. The most recent status as of XX/XX/XXXX is in collections and and the date assigned is XX/XX/XXXX. The date of the supposed delinquency being XX/XX/XXXX. As mentioned previously I have not has services at my residence which I have lived for the past 10 years since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day oveXXXX XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. 2022 I requested a copy of my Experian credit report ( report # XXXX ). After reviewing my credit report, XXXX XXXX is reporting a late payment. this account should not be reflecting negative in my report and should be removed according to the fair credit reporting act. 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with several times over the previous 5 weeks about account being reported as 30-59 days late for XXXX. Account was changed to good standing but XXXX late payment is still on credit report so the underwriters on our mortgage want it fixed in order for my mortgage to go through.
Product: Credit card or prepaid card

I tried to close my account and they told me they would turn me in the credit bureau.  XXXX   2017ask f or for
Product: Debt collection

TAKE NOTICE THIS DISOUTE OF CONSUMER RIGHTS PURSUANT TO PRIVACY ACT OF 1974 Credit Bureau Assoc of GA Re : Dispute of Debt Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the debt listed under account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, allegedly owed to XXXX XXXX XXXX and subsequently transferred or sold to your agency. As per my understanding, any debt sold or transferred, such as this, is not covered under the Fair Debt Collection Practices Act ( FDCPA ) as it pertains to initial obligations, not those conveyed to third parties. 

Additionally, I am concerned about a severe violation of my privacy rights. It appears that unauthorized access to or disclosure of my Protected Health Information ( PHI ) may have occurred during the process of this debt 's transfer. The sharing of my personal medical information with individuals or entities who are not authorized, including employees, is a clear breach of HIPAA regulations and constitutes an illegal act under federal law. Unauthorized access or disclosure of my PHI is a violation of my rights and should be immediately rectified. 

I demand an immediate investigation into this matter and request that the debt be validated according to the FDCPAs requirements. If you are unable to provide proper verification, I expect the account to be removed from my records. 

Please confirm in writing that this dispute is being handled and that my privacy rights will be respected moving forward. 

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

Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with Equifax. On XX/XX/XXXX I submitted a dispute to Equifax certified mail regarding late payments on my XXXX  loan accounts. The inaccurate accounts were updated paid as agreed/Never late and the inaccurate comments where deleted but still aren't you supposed to ensure that everything is reporting accurately? The account history on these accounts still shows 120 days late for XX/XX/XXXX with a status code of XXXX in the new credit report I have received. I requested that ALL inaccurate payment history be deleted not just some of it. There should be no late payments on these accounts when I did not have a payment plan to begin with. I was on an {$0.00} IDR deferred repayment plan so this is clearly a billing error. Equifax is reporting that I paid 120 days late in XX/XX/XXXX without reporting late payments in the previous months. How is this even true because I can't be 120 days late without first being 30, 60, and 90 days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete the inaccurate comments along with ANY late payment marks/remarks on my credit report for these accounts. Equifax also did not produce a dispute report at the end of the dispute so I can have a copy for my records. The items below immediately need to be updated to paid as agreed/Never late on my credit report and Equifax to immediately delete ANY late payment marks/remarks and the inaccurate comments from the accounts. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Debt collection

This account is on my XXXX account which is part of a data breach and there are two accounts on my credit report. I have disputed this account multiple times and they are refusing to delete these accounts and proper investigation. XXXX is under investigation for refusing to delete accounts that are inaccurate and need to be deleted. I have two accounts that are associated with opportun or XXXX  that don't belong to me as they can't provide a contract with my signature or any documents per FCRA.
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$5900.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3900.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired XXXX XXXX XXXX, XXXX DEPT OF EDXXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF EDXXXX XXXXXXXX Balance : {$5900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$1900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$3000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$10000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$350.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$10000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX