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

I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : XXXX XXXX  Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and 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 data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable to help stop these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) Rent Debt {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) MO Child Support {$22000.00}
Product: Credit reporting

I disputed a collection account from XXXX on my credit report to experian, they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say XXXX, cause as I stated in my original dispute the account was incorrect. So how did XXXX verify an account another credit reporting agency could n't? Does Not exactly explain out very well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 someone from XXXX XXXX XXXX used my details in order to apply for cellphone contract on my behalf On XXXX XX/XX/2022 I ask the guy from dealer shop to check for in my credit report if I qualify for car finance, the guy used my details and apply while I was not aware of it, when I check my credit report I have an enquiry Both XXXX XX/XX/2022 XXXX XXXX and XXXX
Product: Mortgage

The problem is - that NOTHING happened ( i.e. ZERO communication from the new 'servicer ' - no Single Point of Contact info has been received, to date ) - yet a motion for strict foreclosure is set to be heard next Monday, XX/XX/XXXX XXXX, XXXX. 

Just prior to last State of CT mediation session XX/XX/XXXX/XXXX/XXXX, submitted last/final requested employment verification document via email to XXXX, its attorney + the XXXX of CT XXXX - for expected/anticipated modification approval shortly thereafter. 

Received confirmation letter from Nationstar XX/XX/XXXX - stating that it would review and follow-up in +/- 30 days. Never heard from them again re : my modification. 

As previously reported to the CFPB, had several very similar 'episodes ' with Nationstar over past several years - so this latest came as no surprise. 

What did come to me as a highly unpleasant surprise was a copy of the motion for strict foreclosure - especially under the aforementioned circumstances. 

Needless to say, this is outrageous and incredibly unfair. 

At the very least, the motion for strict foreclosure should be withdrawn until such time that the new 'servicer ' has reviewed and responded to my modification package - which was submitted in good faith over 3 months ago - and of which the new servicer SHOULD have been aware long ago - long prior to allowing the motion for strict foreclosure to proceed. 

Additionally, the new servicer should instruct its attorneys to NOT object to my motion for re-inclusion into State of CT mediation process, in order that we are able to resolve this matter amicably and avoid the foreclosure. As documented via my modification package : I have a ( very good-paying ) job on hold until I provide my prospective employer a copy of the modification. 

Again : I need the direct EMAIL contact information for my federally-mandated Single Point of Contact with the new servicer - ASAP. For documentation and record-keeping purposes, I wish for all communication to be in writing, via email. 

Thank you.
Product: Credit reporting or other personal consumer reports

Sale contract from XXXX XXXX has continued to report monthly a balance that continues to increase on a closed account. Ive never made any payments to them but it reports that I have. Their court case was dismissed for illegally selling the contract and yet Experian and XXXX continues to report. Ive disputed several times and they mentioned it was verified but I have not document showing how or through who the information was verified. The original contract was XXXX for a total {$1600.00}. As of today there is a balance reported of {$2200.00}??? XXXX XXXX has refused to tell me where the accumulation is coming from. I will provide all the paperwork I have to help I just dont know what to do as Im getting the run around about how to fix this. I did some research and found that it appears to be illegal soliciting where they knocked on my door to sell a vacuum initially I accepted but declined the next day. I still have the brand new vacuum as I told the courts and XXXX has not come to retrieve it the same way the brought it to me. Any real help would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX  XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I did contact this company to remove they pulled my report 3 times on the same day. This was also done after the initial report was pulled. I did contact them and they removed several of the other mistaken errors they caused.
Product: Credit reporting

I have attempted to dispute information with Experian regarding what is on my credit report. I was told I was unable to dispute the balance on my report for my car loan and I would have to contact the lender for corrections. I indicated the other agencies have the correct balances and she said she still could not contact the creditor. I also told her I wanted to dispute the fact that my student loans are deferred and she said they are going to list open until they are paid off. I told her it appears that I have more accounts open than I actually do. I also wanted to dispute that charged off accounts purchased by other firms or transferred do not indicate that and it looks like I have XXXX negative accounts when in fact it is only XXXX. She said I do not know why your copy does not indicate transferred but it shows transferred on her computer. I thought what the consumer received was supposed to show accurate information and whatever was not accurate should be corrected. Experian appears to do anything and everything to avoid interaction with consumers. It is extremely difficult to speak to someone and then when you actually speak to someone they act as though they can not do anything for you. They offer an online dispute process ; however, they do not provide a means to actually submit an online dispute. I obtained my credit report and wanted to submit an online dispute but was not provided with the necessary confirmation # on my report to file an online dispute. So not being allowed to file an online dispute I had to call and do it over the phone ; however, everything I attempted to dispute was argued that it was not disputable. None of this is professional or appropriate when credit bureaus control every aspect of the lives of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize any of these inquiries it was application submitted without my knowledge : XXXXiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these accounts with the credit bureaus XX/XX/2020. I never received any results or anything stating that the credit bureaus have started an investigation. On XX/XX/2020 I sent another letter stating that I hadn't received a response. This has not been about 40 days since my initial dispute. The credit bureaus still havent responded and nothing has changed on my reports. To my knowledge the credit bureaus have 30 days to respond and if they don't that is automatic grounds for deletions of the accounts that were disputed. At this point the accounts should be deleted. I am considering filing a litigation because this is becoming stressful and especially since I was a victim of the XXXX data breach. Please delete these accounts immediately. 
XXXX is the only bureau that deleted the accounts and if you all get the information from the same creditors I don't see how these accounts are still reporting with Experian and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, XXXX, Equifax.
Product: Checking or savings account

On XX/XX/XXXX I received a call from ( XXXX ) XXXX which showed on my called ID as Wells Fargo. 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 
Later that same day I went into my local Wells Fargo branch to ask whether the phone number I received the earlier call from was a Wells Fargo number. An employee by the name of XXXX confirmed that it was. 

On XX/XX/XXXX I received another call from ( XXXX ) XXXXWells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

On XX/XX/XXXX I received a third call from ( XXXX ) XXXX/Wells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

Wells Fargo failed to block my account to protect me from further fraudulent activity despite the assurances made during all XXXX calls. 

Wells Fargo was unable to stop the transactions or recall the wires as the beneficiary banks reported there were no funds available to return. 

Wells Fargo has denied my fraud claim because they determined that the transactions were requested using my Username and Password and completed using a One Time Passcode which was sent to " my '' phone. I did not request the transfers nor did I ever receive a passcode. 

On XX/XX/XXXX I requested in writing copies of all records relating to the fraudulent transactions ( which is my right under FCRA ) including the phone number the One Time Passcode was sent to, the type of device ( XXXX ) used for the wire transfers and the XXXX address of said device ( XXXX ). 

On XX/XX/XXXX I contacted Wells Fargo to follow up on this request. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in XXXX days. 

On XX/XX/XXXX -still not having received a response- I contacted Wells Fargo to follow up on this request again and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process it. 
Later the same day I received a voicemail from Wells Fargo refusing to provide the information I have requested.
Product: Credit reporting or other personal consumer reports

All my personal information was exposed in a data breach. Someone hacked the government database and 3 billion people information was exposed as well as mines. The breach happened in XXXX. The credit bureaus has done nothing about the breach.
Product: Student loan

i have struggled to pay the monthly payments for the last few years. I recently had XXXX and lost my job. it took a few months to find a job and its been hard catching up. I attend XXXX XXXX and they recently was found guilty of fraud. I got this loan because i showed proof i was a student there. 
So i feel i would have never taken this loan out if i wasn't in school. my life has been ruined since this loan. If XXXX failed me then everything tied to them should be forgiven and refunds
Product: Credit card

I purchased an item from XXXX XXXX XXXX and never received any item and denied my claim. Did not provide evidence of any kind. The amount of {$440.00} was never returned and this is not fair. They refuse to help at this time. Notification dates were also not consistent and never gave a final date of delivery.
Product: Debt collection

To Whom It May concern I am submitting this complaint regarding Equifax failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Equifax has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX. 
I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. 
I am requesting the following actions from Equifax through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately. 

Thank you for your assistance in addressing this matter and ensuring that Equifax complies with federal laws to protect consumers like me. 
Sincerely,
Product: Debt collection

Equifax has a wrong last name on my reports also : it suppose to be XXXX not XXXX were it says INFO Provided in this report includes info reported under the name ( s ) thanks XXXX XXXX XXXX Finally got report from them XX/XX/XXXX thanks :
Product: Debt collection

I am filing this formal complaint regarding an alleged collection account reported on my credit report by XXXX XXXX XXXX ( XXXX ) and appearing on my credit reports with Experian, XXXX, and XXXX. I have no knowledge of this alleged debt, and I have not been provided with proper documentation or validation to verify its legitimacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any debt before any further collection efforts or reporting to the credit bureaus. Debt validation must include clear documentation identifying the original creditor, proof of the debt 's validity, and confirmation that the debt is attributable to me. XXXX XXXX XXXX has failed to provide the legally required validation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), Experian, XXXX, and XXXX are obligated to ensure the accuracy and integrity of the information they report. If the debt can not be validated, the credit bureaus must investigate and promptly remove the unverifiable account from my credit report. Continuing to report unverifiable and unvalidated information is a violation of the FCRA and causes undue harm to my credit profile. 

I have made multiple attempts to resolve this matter, including disputing the account directly with the credit bureaus, but the issue remains unresolved. This lack of compliance with federal regulations by both XXXX XXXX XXXX and the credit reporting agencies has caused unnecessary financial and emotional distress, particularly as I am in the process of making important financial decisions that depend on an accurate credit report. 

I am requesting that Experian, XXXX, and XXXX immediately investigate this matter and remove the XXXX XXXX XXXX account from my credit report unless proper validation of the debt can be provided. Failure to comply with the FDCPA and FCRA is unacceptable, and I seek appropriate corrective actions to ensure compliance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.