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

I XXXX XXXX never gave ( Experian ), any verbal or written consent to report anything on my Consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following Circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

18 U.S. Code 1028A Aggravated identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
None of these companies have lawful authority to put any account on my consumer report. 

All accounts list below must be deleted! 
I research these are Violations under the fCRA, I Found out identity theft happens every day, as a consumer I never benefited from the goods received from these fraudulent accounts. 

15 U.S. Code 1681c2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Thank you.

Each one of these accounts need to be deleted immediately!!!

List each account here along with the full name of the account and it's account number XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once again, all accounts above shall be blocked and deleted from my credit file immediately! 

This will be forwarded to the Consumer Financial Protection Bureau, I will also notify my attorney generals office as well. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am writing to formally dispute the accuracy of certain information contained in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report.

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question. ] Pursuant to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified.

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes.

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

Thank you for your prompt attention to this matter. 

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

A year ago I disputed many incorrect statements and negative collections on my credit, they were my ex husband 's. I recently tried to qualify for a house loan and was informed I had too many disputes on my credit report that should have been removed with in 60 days. She informed me that she is not willing to help me until all are removed and we see if my credit goes up or down. Please help me, this has been my dream, to own my own house, that no one can take away.   Thank you
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX **** Balance Owed : {$4600.00} XX/XX/1121 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXX/XX/
Product: Student loan

No matter how many payments I make in addition to the extra I give them each month my balance does n't move. They say that the extra will be applied to the principle but it is n't. It 's a rip off! I had a hardship and needed to reduce my payments but can not do so because it 's based solely on my income. They knew I could n't afford to pay this loan when they approved me for it. Just like the mortgage companies with the preditory lending. These loans are designed to keep us in this long term repayment system!! I 've tried to pay but can not and they refuse to work with me in getting some type of payment each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

A LETTER TO REMOVE THESE INACCURATE INQUIRIES FROM MY CREDIT REPORT WAS SENT XX/XX/2021.
Product: Debt collection

I received a notification from XXXX that a new collation account was added I was not aware of this no document statement or right to dispute the debt was received
Product: Credit card or prepaid card

Two disputes have been filed over the last several months with 5/3 Bank. 

They have been unresponsive to resolving the cases. I have complete documentation of the emails that were sent to 5/3 containing the information they requested. 

In my opinion it is less costly for the Bank to do nothing than use the resources to close the case.
Product: Credit card

Here Iam writing about another company who have lowered my credit limit and then wants to justify why they did it if I did not ask for more credit then dont extend me any I was fine with what you extend from day one. I am not a big spender and I like to pay off what I have before I just spend spend. And so what I have a balance on other cards. Thats not any of your business. As long as i pay my bill with your company you dont worry what I chose to do with my personal finances. You are invading my personal finances and as a long time customer I expected better from my bank to not system XXXX  credit profile me. Because that is what you creditors do and its not fair and right it should be illegal. And make changes to your privacy policy so that you can work the system how you feel fit. I may not pay my bill in full every month but I do on time.
Product: Credit card

On XXXX XXXX XXXXXX/XX/year>, XXXX XXXX which is managed by TD Bank had a system failure that led to auto payment not going through. The bank did not inform me regarding the issue and I was charged a late payment of {$29.00}. I had to call a customer representative to ask about the issue and the bank admitted to the issue and stated that they would work to resolve the issue. Due to the frustrating experience, I decided to pay off my remaining balance of {$440.00} which includes the {$29.00} late fee. It is now XX/XX/XXXX and I have not seen a refund or reversal of the above late fee.
Product: Credit reporting or other personal consumer reports

I have requested validation. The amount is wrong, date wrong, and I didn't authorize this company to have privilege to my private information. They are reporting misinformation harming my character and ability for credit with lies, and costing me money and hardship. 
XXXX
Product: Debt collection

First and foremost, the gentlemen that I spoke to was kind, courteous and professional. My compliant lies with what may be a poorly created policy or maybe the agents were trained to deliver the policy. When I spoke to the agent, I asked what could be done on mine and my husbands accounts regarding payment. I was provided a three month payment plan for both accounts. I stated I was unable to make those payments, but could pay {$100.00} a month on both accounts and pay off in five months or less. I was advised that the system is only set up for three, six, nine, or twelve month payments so that the balance would pay off in full accurately. I was then asked to complete an application to see if I was eligible for one of these payment options. I agreed. When it was time for payment, I was asked if I had my checking account information, I did not, I had my debt card. I was then told since I was paying with my debit/credit card, I could pay however much I wanted today, but would not be able to set up automatic payments. That automatic payments are only possible with checking accounts. I was able to pay {$100.00} on my husbands account, but due to system processing, I was unable to make a {$100.00} payment on my account at that time. 
This was deceptive. I was lead to believe that I HAD to complete an application to see what other payment arrangements were available. I was lead to believe that these would be the only options. The truth was, I was able to pay {$100.00} a month, but I would have to call in each time to make the payment because the systems are not set up to process debit/credit cards. I provided information that was not necessary to process payment/s that I had already stated I could make.
Product: Credit reporting or other personal consumer reports

Subject : Response to Dispute Results Regarding Inaccurate Credit Reporting Dear Equifax Customer Support, Thank you for your response and for completing the investigation regarding my dispute. However, I would like to address a few concerns related to the outcome you provided. 
Verification of Information : The notification states that the Attorney General-Child Support has verified the accuracy of the information reported. However, it is not clear what steps were taken to validate this, nor has sufficient documentation been provided to support the claim that the reported information is correct. I am requesting that you provide a detailed explanation of how the verification process was conducted, along with any documentation the furnisher provided to confirm the reporting. 
Accuracy of Reported Information : The fact that certain fields, such as the balance, past due, high credit, and others, have been modified, raises additional questions. Please clarify what specific changes were made, and how these changes were confirmed to be accurate. 
Right to Further Investigation : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough and complete investigation of disputed items. If the provided response is not sufficient to demonstrate that the reported information is correct, I reserve my right to request a reinvestigation or escalate this matter further.

Future Communication : I would appreciate any further documentation supporting the decision to verify this item, including any communications between Equifax and the furnisher of the information. 
AS YOU CAN SEE THE ATTACHE XXXX XXXX AND XXXX DELETED THE INFORMATION SO IF I HAVE TO SUE YOUR COMPANY I WILL BECAUSE YOU ARE KNOWINGLY AND WILLINGLY VIOLATING MY PROTECTED RIGHTS SO IF IT ISNT DELETED IN 72 HOURS I WILL BE FILING A FEDERAL SUIT I trust you will address these concerns promptly. Please send all relevant documents to my address on file. I look forward to your response. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Reservations were made for two people to attend a football game at the United States XXXX XXXX at XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX which were later cancelled on XX/XX/XXXX. The reservations were made through XXXX. Synchrony bank posted a charge to my XXXX credit card for {$1100.00} for the dates mentioned and were disputed on the XXXX credit card statement I received. Synchrony told me the charge will be investigated and the charge will be set aside until the investigation is completed. They canceled my old credit card and issued me a new one. They then sent me an email letter on XX/XX/XXXX stating that I was responsible for the charge. I Then called the Synchrony Fraud Unit and talked to XXXX who switched me over to their investigative unit and spoke to XXXX  who told me that it was I who confirmed the reservation. My opinion is they did not bother to call the hotel ( XXXX by XXXX at XXXX XXXX XXXX. in XXXX, New York XXXX ) and ask them if we actually stayed there. If they had, they would have found out the reservations were canceled. I did call the hotel and got copies of the cancellation forms for both XX/XX/XXXX and XX/XX/XXXX. Again, I disputed the charge and was told another investigation would begin. That was on XX/XX/XXXX. On XX/XX/XXXX or XXXX, I received another email letter stating I still owe them the money. I did send them copies of the reservation cancellation forms on XX/XX/XXXX and I have not heard back from them as yet. I am submitting this complaint because I am convinced synchrony is not sincere in trying to resolve this issue. I am XXXX XXXX XXXX and Ive been fighting with synchrony since XX/XX/XXXX. I have always paid the bills that I have legally incurred and I need help in resolving this issue before I get any older.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My mom deceased on XX/XX/XXXX. I called to let bank know of her passing on XX/XX/XXXX and asked for account to be frozen to prevent any further transactions. She was sole owner of account and I am listed as XXXX. They informed me I can't do anything without a death certificate. I told them I was concerned regarding her account being left open but nothing I could do because i wasnt on the account and only listed as the XXXX XXXX The bank informed me of 2 atm withdrawals after my mom passed. On XX/XX/XXXX atm for XXXX and on XXXXXX/XX/XXXX atm for XXXX dollars. The bank informed me I have until the account was closed to dispute transactions. I reported this to the fraud department on XX/XX/XXXX. I let them know it's fraud to use any deceased person 's debit card or pin to debit card. The account was in her name only.These are un authorized atm withdrawals. The bank informed me they have concluded their investigation and found that no pattern of fraud was found and the claim is denied. I feel the bank has failed to property investigate these fraud occurrences and Un authorized transactions.
Product: Credit reporting or other personal consumer reports

I received a copy of my Equifax credit report and noticed it was 7 fraudulent/unauthorized inquires dated from XX/XX/XXXX XXXX XXXX 2025. 

I received a copy of my Transunion credit report and noticed it was 7 fraudulent/unauthorized inquires dated from XX/XX/XXXX XXXX XXXX 2025. 

I received a copy of my Experian credit report and noticed it was 4 fraudulent/unauthorized inquires dated from XX/XX/XXXX XXXX XXXX 2025.
Product: Checking or savings account

Your responses do not make any sense - you keep repeating the same corporate politically correct XXXX. 
1. News Reporter - you did not answer why the XXXX XXXX XXXX Reporter was turned away when he called to do a story 2. Investigation 1. you did not address why I received no responses to my emails, voice messages, certified letters, conference calls, offers to fly to XXXX XXXX , etc. 
2. And you did not offer to allow me to participate in the investigation 3. Why did the investigation take so long?

4. by having suc
h a long investigation, this resulted in undue influence over my business that caused me to not be able to operate for almost all of the investigation period. I could not get working capital because you did not respond to any of the offers from investors/lenders 5. You did not respond to the customer/investor who called and emailed YOU in the first week of XX/XX/XXXX3. Auto Account 1. my credit report still has the errors 2. My auto loan has been turned over to collections 4. Merchant services - I still need to see the documentation for the  calculation 5. XXXX XXXX XXXX XXXX - no explanation for why was I required to submit my financial statements to XXXX and those statements showed the predatory loans that Wells Fargo steered me to. What was the purpose of asking for my financial statements? How many times to I have to ask for this information? 
6. Predatory lending practices - See attached email from your employee, from XXXX XXXX_ dated XX/XX/XXXX_XXXX XXXX. By definition, there are 2 ways predatory lending comes into play... a ) it ignores/hinders the borrowers ability to repay the debt or b ) it benefits the lender. Furthermore, Wells Fargo failed to disclose that they would offer working capital which is a failure to disclose information at the time of closing on the SBA loan and this is even more concerning because of the frauds that impacted my business and then Wells Fargo disappeared when I needed working capital the most, 7.  Property Taxes - where is your written policy and procedures on how to handle property taxes, interest and penalties that states the customer is still responsible for these uncontrollable expenses when he has no control over and did not participate in a one-sided investigation? I want to see the standard operating procedure on this and/or see it in the SBA loan agreements so please provide the detail. This is an unconscionable way to conduct business for a bank the size of Wells Fargo. 
8. Collateral Damage Your response did not say anything regarding collateral damages to my business directly related to not having use of the funds that were fraudulently taken from my account. Those funds were needed for my business and since I did not have the funds in my account, it made conducting business more difficult because I could not pay bills and/or delayed getting fabric and of course the damage to my credit report. This is especially evident in the missed opportunities to provide working capital by not following up with third party lenders/investors See CFPB COMPLAINT # XXXX SENT TO WELLS FARGO filed on XX/XX/2020 9. Discrimination - yes this is discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian made it almost impossible to lift a credit freeze on my credit report. They were trying to make me purchase their credit protection service. The phone number on their website is to a 3rd party who sells this product. They were rude because I didnt want to purchase their product.
Product: Checking or savings account

Answer to the last complaint! The call was recorded, and I made it clear when I called that my last purchase was at XXXX XXXX gas station, where I filled up {$40.00} of gas. I want to know why Chase Bank made up this excuse!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Howdy AFFIRM INC, I'm reaching out to address a downright violation concerning the unauthorized airing of info on my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, particularly Texas Penal Code Section 32.51 .

It's become crystal clear that AFFIRM INC has gone ahead and aired my info without getting my clear say-so. Federal law, as laid out in the FCRA, straight-up requires consumer consent for such airing under Section 1681b ( a ) ( 2 ).

Besides federal law, Texas state law, especially Section 392.301 of the Texas Finance Code, hammers home the importance of consumer consent for credit airing. Furthermore, Section 392.305 of the Texas Finance Code sets down clear rules for airing consumer credit info. Meanwhile, identity fraud laws, like Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal info.

I firmly state that I haven't greenlit AFFIRM INC to air any info on my credit report. This clear lack of green light is a plain violation of my rights, potentially damaging my creditworthiness and showing a clear disregard for federal and state laws.

I demand, with absolute certainty, that AFFIRM INC immediately stops any further airing of info on my credit report without getting my clear say-so, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failing to comply within the set 30-day timeframe will be seen as a willful refusal, subject to penalties under relevant laws, including identity fraud laws.

I stress that getting consent isn't a choice but a legal must under these specific sections of the FCRA, Texas state law, and identity fraud laws. This ain't up for debate ; it's a demand for following both federal and state rules, guarding consumers like myself from unauthorized and harmful credit airing.

I expect your immediate attention to this matter and anticipate that AFFIRM INC will swiftly sort out these flagrant violations, respecting my rights under federal and state laws.
Product: Vehicle loan or lease

Now, there is no answer with this company, violating my right, since I paid this debt... I have not had an answer for more than 45 business days, I have demanded that you correct my credit report, and delete your incorrect information