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

I am writing to express my deep dissatisfaction and concern regarding the many unsuccessful attempts to remove fraudulent items from my credit file. Despite numerous reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent information continues to adversely impact my credit standing. 

I discovered unauthorized and fraudulent entries on my credit report, prompting me to contact your credit bureau immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing inaccurate information, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent entries has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved inaccuracies on my credit report. 

Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

To my dismay, the fraudulent items persist on my credit report, negatively affecting my credit standing and financial well-being. This has resulted in undue stress and hardship, indicating a failure to adequately address the issue and protect consumers from the consequences of identity theft. 

I understand that addressing fraudulent entries on credit reports is a complex and challenging task, but as a concerned consumer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my credit file. Additionally, I seek clear assurances and a detailed plan outlining how your credit bureau intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

This account was repossessed and written off, with no 1099 sent to me. This account was repossessed in 2016 sold and charged off sent to collections and still reporting late payments every month. How can a closed charge off account report late payments.
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Experian on XX/XX/year> and they didn't respond within XXXX  days. I am submitting this complaint to get help from the CFPB with this dispute. It is my right as a consumer to dispute inaccurate accounts on my credit report. I don't understand why Experian will not cooperate. This is causing me so much stress. 

I would like for Experian to start an investigation for the XXXX  XXXX account that I included in my dispute letter. 

Attached is the dispute letter, my ID and my social security card.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my final demand for the immediate removal of unauthorized, fraudulent, and outdated hard inquiries from my credit report. Despite my multiple disputes and clear notifications regarding these errors, your agencies have failed to take corrective action, in direct violation of federal law. I have exercised due diligence in attempting to resolve this matter amicably, yet my efforts have been ignored. Your inaction constitutes gross negligence, misrepresentation, identity fraud, theft by deception, and the unauthorized use of my credit.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies are required to ensure the accuracy of the information in consumer reports. Section 1681b prohibits the inclusion of hard inquiries without a permissible purpose, yet unauthorized inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other entities remain on my credit report. Furthermore, pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to investigate and remove disputed information within thirty days. Your failure to uphold these legal obligations leaves me no alternative but to pursue litigation.

Additionally, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and Regulation B ( 12 C.F.R. 1002 ) require that creditors and reporting agencies maintain and justify records of credit decisions, including inquiries. The failure to validate these inquiries, despite my formal disputes, is a direct violation of federal law. The continued reporting of these fraudulent and outdated inquiries has significantly damaged my credit, adversely affecting my financial opportunities and my ability to secure fair lending terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 1, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # 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

I filed a dispute on { XXXX, DISCOVER BANK } due to reason that this account is involved in litigation. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house, car, etc. XXXX violates my rights as a consumer, as well as federal laws.
Product: Money transfer, virtual currency, or money service

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

Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. TransUnion, XXXX and XXXX has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. Transunion paints me as a XXXX XXXX my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop and I made this clear for 60 days straight with Transunion, XXXX, and XXXX when I spoke to a representative agent for Transunion name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. 
They refused or were unable to verify and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, ftc, and affidavit. That was after attempting to contact Transunion more than 21 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer and now I'm XXXX and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.
Product: Checking or savings account

I work XXXXXXXX. Around XXXX ET I saw I had back-to-back-to back charges from XXXX which followed : {$120.00} {$110.00} {$70.00} {$5.00} {$5.00} These charges shouldve been flagged as they were repetitive its as if the fraudster was going until they could drain the account. I let the company know that when I lock my debit card it immediately unlocks. I was told by them that they would contact me within less than 3 hours. I had to call 24+ plus hours later and then, I was able to cancel my card and get a new one and file the claim. I should have been notified for the charges over and over to a single merchant. All banks do this. Im very upset with the handling of my issues. I have provided the messages and then me having to call twice more than 24 hours later.
Product: Mortgage

On XXXX XXXX, XXXX I filed with this site complaint number XXXX regarding the RESPA I sent to JP Morgan XXXX XXXX. The excuse for this JP Morgan XXXX  XXXX not responding was that there was active litigation. The attached is proof there is none. I am requesting this complaint be addressed and answered now. Please see attached dismissal of XXXX XXXX XXXX Court case # XXXX has been dismissed. I am demanding JP Morgan XXXX  XXXX now respond to this RESPA in FULL. I have seen the note and mortgage for presentation, but nothing else.. This RESPA needs to be answered in Full now.
Product: Vehicle loan or lease

I was charged {$8700.00} for XXXX coverage and they shopped around for the most expensive policy they could find at my expense
Product: Credit reporting or other personal consumer reports

you are in direct violation of the fair credit reporting act XXXX XXXX XXXX Account numbers XXXX ; XXXX ; and XXXX have violated my rights.

15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately
Product: Credit card or prepaid card

Did not receive any statements or phone calls from the store department credit card where I made a purchase of {$58.00} in XX/XX/XXXX. On XX/XX/XXXX I received a letter that might account might be permanently closed due to late payment. The balance now that I own was {$170.00}. I called the company and explained the situation. They said that in error I was enrolled in electronic statements and they never sent me any statements by mail. They agreed to waive one late fee of {$39.00}. I asked them to waive all late fees and wanted to pay my original balance of {$58.00} but they denied.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX FS XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX ADVANTAGE XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/2019, I sent a validation to enhance recovery asking them to validate, i requested proof that I am indeed the party they were asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I asked for a signed contract. 
Instead the documentation I received was a copy of a phone bill statement, What Did the COllection agency use? what did they send the credit bureaus to verify that the account was accurate and please ask them to validate the debt. 
If they are unable to validate this debt all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission. 
15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I contacted Synchrony Payment Security at XXXX regarding my benefit request on XX/XX/. I inquired about the current benefit request : XXXX and asked how many payments were remaining. I was told that a total of ( 6 ) payments would be made and I had ( 2 ) payments remaining that would go towards my Paypal account balance. I was instructed to send in additional information with my form in order to receive further benefits. I was asked if I would prefer the form via mail or email. I informed her that I would prefer email so that I can take care of the matter at the time. I thanked the rep and sent an email inquiry regarding " the additional information '' on XX/XX/ at XXXX PM. I noticed the form did not include what was required to send in to further benefits. I have yet to receive an email reply. I called back on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told something completely different. I was told that I was only able to receive a total of ( 6 ) payments up to {$10000.00} as the result of a reduction in work hours. I informed the rep that was the first I heard of that and I was told something completely different on XX/XX/. As of XXXX XXXX XXXX, a benefit request payment was not made to my Paypal account. I incurred a late fee as the result of not paying. I did not remit a payment because I was told I had ( 2 ) more payments that would be applied to my account. It should be noted that this is not the first time I had an issue with the Payment Security benefit process. It is a difficult process and the advertising regarding the add on is very misleading. I had a reduction in work hours as the result of being a part of a class action lawsuit against my employer and I am already experiencing stress in that regard. This process is adding to it. I did not pay to misled and have my account fall further behind.
Product: Debt collection

XX/XX/20. This date was the last time of many times they called my parents who are in there 80s. They posed as knowing me and wanted information about me. My dad asked them questions they couldnt answer so he hangs up. Very troubling for my parents.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following : 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

There is a regions account report on my transunion and XXXX  report that should not be there. The debt was paid a removed. Per my XXXX  report I see where the account was removed. But it is still listed on my XXXX  and transuion account. Below I will attach a copy of all 3 reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information for Experian NAME : XXXX XXXX XXXX Please remove any name in your system which does not match the first and last names listed on this letter. My name is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Applied for a Navy Federal Credit Union ( NFCU ) loan with XXXXcredit score without a high debt amount. 

The NFCU Loan officer reviewed saw in my paperwork that I outright owned a house ( without mortgage ) and was adamant that I explain why am I moving if I already have a house that I own. I explained that it was my personal choice, but this NFCU rep specifically wanted to know if I would sell or rent my house, as if I didn't have an option to simply 'keep " my paid off house. Any customer could be inclined to make a deliberate plan to sell or buy their home based on a loan officer 's statements about inability to move forward in another mortgage loan process. THIS WAS NOT RIGHT! 

This line of questioning was not appropriate, and would suggest that a customer can not be approved for their NFCU mortgage if a residential home is. She continued to threaten me with my mortgage rate increasing from 7 % to 15 % ( as an investment home ) if I did not submit her requested paperwork and my application package would not be sent to underwriting unless i complied with these explanatory demands. 

I felt I was being discriminated as a homeowner wanting a better home. I am an African-American woman.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. 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 ) 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: Debt collection

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

MONEYLION INC . 


In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.