23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Experian- USPS XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the F

TC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :
Product: Credit reporting, credit repair services, or other personal consumer reports

This regards the " XXXX XXXX '' program from the Experion Credit Bureau. 
program. I signed up for the progam and a few months went by. 

I then saw a promotion for the program that I could include my rent in the " XXXX '' program. 
I tried to add rent but the first thing they demanded was that I share my bank account details. I was not comfortable with that. It turned out they didn't accept the company that I paid my rent to .They have their own select rent providers you have to pay rent to.

I assume they have a business arrangement with these comapanies.

I decided against signing up with their business partners to pay my rent. I revoked access to my bank account for Experion.

I then recieved repeated emails demanding that I provide access to my bank account when that was previously not a requirement. Now, they are threatening to kick me out of the program and unless I comply with their demands to have access to my bank account.

In my view, this is blackmail and an abuse of their outsized position in people 's financial lives.

The program is there to presumably help your credit score.

So kicking people off the program is a threat to their credit score.

After revoking access to my bank details, Experion sent me an email saying my credit score had dropped. I checked for the reason and there was none.

No new debt, no missed payments etc ....

Experion is using this program to exploit people 's personal data and using blackmail to do it.This is extremely shady.Experion is in aposition to affect peoele financial lives and they are exploiting that.

Experion has a history of very large data breaches. People should not have to be drawn in to provide them with mroe information than other credit rating bureaus get just to provide a legitimate credit score.

I am now recieving daily emails from Experion with these threats. 

This is the partial text of the email : " Dont forget : Time XXXX running out to reconnect your Bank XXXX XXXX account XXXX XXXX to keep enjoying Experian XXXX and Personal Finances via your Bank XXXX XXXX account, you need to reconnect it. ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name  is XXXX XXXX XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX. My SS is XXXXXXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Product: Mortgage

in 2010 I worked with Fannie Mae and they helped me do a mortgage workout with XXXX XXXX XXXX.at XXXX %. Over the last few years they steadily raised my interest rate to XXXX % and sold my mortgage servicing to New Rez, LLC. I inquired with New Rez about refinancing the entire mortgage into a XXXX % 15 year mortgage over four months ago. I have supplied all of the necessary documentation and easily qualify with my income to debt ratio. Since that time they have continued to push for a 20 year mortgage at XXXX % which I do not want. Truthfully I should still be at 2 % and nearly paid off anyway since they borrow money at XXXX %. I need help getting a way to pay off my house early and a reasonable interest rate. I simply do not trust mortgage servicers based on my experience with XXXX. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept 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 n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

The school charged me an extra semester when I was dis enrolled from the school. I was then charged more than I owe
Product: Credit reporting or other personal consumer reports

Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data. XXXX OF XXXX XXXX Balance Owed : {$22000.00} XXXX OF XXXX XXXX Balance Owed : {$3600.00} XXXX CARD XXXX Balance Owed : {$6000.00} XXXX CARD XXXX Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/2024, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help Experian verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
Despite my clear and thorough request, I did not receive any response back from Experian with investigation results. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to Experian and proof of delivery as evidence.
Product: Checking or savings account

Person named XXXX XXXX withdrew {$6300.00} from my missing check. I went to the bank to report the fraud but wellsfargo denied as it was not fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX and it was the worst mistake of my life. So I refinanced this loan but I wish I had refinanced sooner but they were giving me inaccurate information about refinancing. I refinanced the loan with XXXX and I wish I had done it sooner. I got a call from a collection agency stating that I owed a small balance. I sent them a certified letter asking why they say I owed a balance when I had a letter stating that my account was paid in full. I received another letter from XXXX XXXX stating that my account was paid in Full in XXXX. But in XXXX they reported to all 3 credit bureaus that the account is in collections. The company then sent me another letter stating that my account was paid in full. The company even sent me a refund check for {$47.00} in over payment to my account. My credit report did not show any late payments before they sent this straight to collections and it is now it is still on all of my reports even though I have been disputing it and it caused me to be denied another car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2018 Bank Of America
I did not authorize any hard inquiry with this company.
This is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and closed accounts listed on my Equifax credit report. These items are incorrectly reported, and under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ) provisions, they should be removed or corrected immediately. 

Below is a detailed list of the discrepancies, along with relevant UCC violations : XXXX  XXXX Account Number : XXXX Discrepancy : This account shows a balance of {$1100.00} and is marked as " Closed '' with {$25.00} past due as of XX/XX/XXXX. Under UCC section 9-625, I demand verification of the debt. No wet ink signature exists authorizing the sale of this debt. Please remove this account or correct the reporting. 
XXXX XXXX XXXX Account Number : XXXX Discrepancy : This debt buyer reports a collection of {$1100.00}. Per UCC section 3-501, I demand validation of this debt. I request the original contract containing my wet ink signature, as I do not acknowledge this debt. If no documentation can be provided, this collection must be removed. 
XXXX Account Number : XXXX Discrepancy : This account reflects a charge-off of {$5200.00} with {$6100.00} past due. I was not correctly informed of how the contract worked and was coerced into signing in a manner that violated my rights. As such, under UCC section 3-501, I demand the original contract with my wet ink signature. If the original documentation is unavailable, the account should be removed. 
XXXX Account Number : XXXX Discrepancy : This account was charged off in XX/XX/XXXX for {$320.00}. Under UCC section 9-210, I demand verification of this debt, including the original contract with my signature. In the absence of such documentation, the charge-off should be removed. 
XXXX XXXX XXXX  Account Number : XXXX Discrepancy : This account shows {$60.00} past due as of XX/XX/XXXX. I demand that this debt be validated under UCC section 9-625, and that the account be updated to reflect accurate payment history, as I was not fully informed about the contract terms.

UCC Violations Cited : UCC section 9-210 : Request for an accounting or list of collateral.

UCC section 9-625 : Remedies for secured party 's failure to comply with UCC obligations .

UCC section 3-501 : Presentment and dishonor.
Product: Debt collection

I cancelled XXXX XXXX XXXX wireless account and paid amount owed. XXXX XXXX XXXX is attempting to charge me an additional {$120.00} that I do not owe. Moreover, XXXX XXXX XXXX stated that the charge was for " equipment, '' but I brought my own device. 

This disputed amount has been assigned to a collection agency, Credence, who repeatedly sends me notices to pay. I have tried to resolve this issue with XXXX XXXX XXXX XXXX First time, when I received notice to pay ; second time, when it was turned over to a debt collection agency. Thank you for your help. 

XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX CR COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CR COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} ; XXXX XXXX XXXX  : {$5500.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

Debt collector is trying to collect a dept that is already paid. 

Referring to account numbers below. 

Account : XXXX {$31000.00} Account : XXXX {$570.00} Account : XXXX {$3100.00} All these charges are made up by someone at the XXXX facility. 

Amount of XXXX, XXXX was paid in full 0n XX/XX/2020 as agreed with XXXX XXXX Amount was deducted from my credit card by XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently discovered my credit profile and personal information was a part of XXXX and XXXX data breach. All my information has been exposed, and I would like for both credit bills to please remove all negative accounts and unauthorized inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort and time you spent removing a porttion of the fraudulent items off of my Credit File but upon further inspection of my Creditr File. I noticed that there are still a bunch of fraudulent accounts and information being reported. Once again, I was a victim of identity theft and that the disputed items are the results of such crime. I have read that under the Fair Credit Reporting Act section 605, you are required by law to remove any accounts and information that resulted due to my identity being stolen. I am submitting this CFPB Complaint to request once again to remove the fraudulent accounts and information off of my Credit File. Please help me remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$2000.00}. I would also like to request that you send me copies of proof of verification or proof of ownership ot any documents you found during your investigation suggesting that I own these accounts. If you find no related documents, immediate removal of the disputed accounts will be greatly appreciated.
Product: Mortgage

I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX -- - IDENTITY THEFT! 

XXXX XXXX XXXX XXXXXXXX -- - IDENTITY THEFT! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/2024, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports.

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.
Product: Debt collection

The topics you offered did not offer insight into my complaint/issue. 

I have a collection agency, who is collecting a debt. I have paid this organization, Cache, LLC now collecting as Resurgent Capital Services, on-time for more than 4 years. I owe as of XX/XX/XXXX - {$13000.00} The original balance was close to over {$19000.00}. 

In XXXX of XXXX they reported my debt as derogatory ( I was just made aware as of today- XX/XX/XXXX ) and after speaking to the organization they will not report any timely payments or any information until the balance is paid in full/settled. I have made payments with this organization, as I mentioned, for 4 years+. Why as of XX/XX/XXXX do they decide to report as derogatory 3 years later. What reason, would I now have, for even continuing my payments or settling my debt. I had already sustained the 7 year adverse credit reporting form XXXX XXXX/XXXX, who the original loan is with. Why are they now able to ding me for a derogatory rating for the loan they purchased and that I have been paying on and was already hit for 7 years on my credit. Again, how can a collection agency who is being paid on a loan timely, that took on, hit me for a derogatory rating, when they have been paid timely and I had already been adversely reported by the original lender ; This makes no sense. I was already derogatory with XXXX XXXX/XXXX. I was not derogatory with Cache, LL Resurgent Capital and XXXX XXXX was already on my Credit for over 7 years.
Product: Checking or savings account

Bank admitted to reversing my direct payment to three of my creditor for three months causing my payments to be recorded as three months past due. Because of their error my credit score has gone down drastically and they closed my account causing my direct deposit from my pension to be late which Inturn cause a snowball effect that impossible for me to recover since Im on fixed income. They are now asking me for money for the error and windfall they created by claiming unauthorized claim to reverse my monthly contract payment.
Product: Debt collection

I do not believe that the debt that is reported for the amount of {$490.00} LVNV Funding Llc is valid. It is showing as an open account which isnt correct if it is in collections. According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. 
Please remove this information from my credit report.