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

Dispute Against : Experian, XXXX XXXX XXXX, XXXX, TX XXXX On Credit report # XXXX ( XX/XX/2021 ), Experian Reported account XXXX Acct # XXXX, as a charge of. 

This is invalid. 

This is my third time disputing this account as fraud. This account is the name of " XXXX Ask '' ; my name is not " XXXX Ask ''. I also have two fraud affidavits from the Federal Trade Commission. 

Experian has failed to do a proper investigation and has not removed the name " XXXX Ask '' from my report as I requested. 

Please see attached : -Federal Trade Commission Fraud Affidavits -Dispute Letter- -FCRA Laws 611,609, and 605
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX 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've recently received a copy of my credit report a noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

It says I was late or but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

So I lost my wallet with my debit cards, Id, and social security card in it and phone with all my information inside it and on the XX/XX/2024 Money started being taken out of my account XX/XX/2024 and ended on XX/XX/2024 I ended up going to XXXX  on XX/XX/2024 and there was nothing that I could do about that someone was using my identity and had access to my account I didnt get out of XXXX  until XX/XX/2024 this my second time reopening this same claim and they are not properly investigating it I have documents that I was in XXXX  and I also filed a police report for the claim and the situation that is going on. XXXX $ was withdrawn from my account and I dont feel like Im being helped out about anything .this wrong I asked can they look into the atm footage they mustve not did it
Product: Student loan

On XX/XX/XXXX, I received a letter from the United States Government finding XXXX XXXX XXXX XXXXXXXX XXXX guilty of predatory lending. 

On XX/XX/XXXX, I submitted my School Misconduct Discharge application to Navient via their online portal. 

On XX/XX/XXXX, I received a letter stating that my application is currently incomplete and needs additional information. 

On XX/XX/XXXX, I received a correspondence from XXXX XXXX stating that Navient was unable to access the document provided within my email. 

On XX/XX/XXXX, I paid for and resent my School Misconduct Discharge application as well as supporting documents through USPS Priority Mail to Navient. 

On XX/XX/XXXX, XXXX confirmed that Navient had received my School Misconduct Discharge application and that my application was under review. 

On XX/XX/XXXX, I received a correspondence from Navient that my School Misconduct Discharge application was denied. There was no reason for denial provided by Navient. In addition, the option to complete a School Misconduct Discharge application was information that was withheld from me by Navient. Furthermore, the application itself was never provided to me by Navient. I learned about the School Misconduct Discharge application on my own through a non-profit agency for student loan borrowers. 

On XX/XX/XXXX at XXXXXXXX XXXX, Navient continued to call me regarding my personal student loans. In addition, Navient sent a letter to my deceased mother who was cosigner on my personal loans. My mother has been deceased since XXXX and Navient was informed of this by me - years ago.
Product: Checking or savings account

My father and aunt have a joint checking account with JP Morgan Chase Bank, N, A. While my father lived, he granted me POA to access the account so that I could assist with paying my aunt 's bills. Upon my father 's death, I received POA for my aunt. I went to Chase Bank with this POA, and death certificate for my father, and it was rejected ( see Chase letter XX/XX/XXXX ). I have attached a scanned image of this POA. 

This POA had already been accepted by other financial institutions so that I can assist my aunt with her finances. I then executed another POA ( dated XX/XX/XXXX ) for my aunt that I submitted to Chase. I understand that this is the most up-to-date version of the New York State POA XXXX I have also included the scanned image of this POA. I received a letter dated XX/XX/XXXX rejecting this second POA. Images of both of these rejection letters are attached. 

My aunt is XXXX XXXX XXXX and living in the long-term care facility XXXX XXXX XXXX XXXX I ensure that her monthly bill at the facility, and personal incidentals are paid with access to her financial assets. She has granted me the POA to assist her. 

I have spoken with the Chase representative who can not explain the rejection letters I have received. There is no person to speak with at Chase Account Services or their legal department. I do not understand why I am not being granted POA for my aunt 's account. As you can read from the two letters, the reasons for the rejections changed. Out of frustration, I am writing to you in hopes that you can shed light, and hopefully rectify this issue. 

If there is another form that needs to be signed by my aunt, I would like Chase to let me know. Getting these punitive letters is not a solution or a fair, customer friendly, way to handle this issue.
Product: Credit reporting or other personal consumer reports

I have asked them to remove these student loans off my record. They are not accurate please have them removed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you can not add this to my report without my permission or knowledge. 


[ XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ] XXXX, XXXX 2025 XXXX XXXX XXXX XXXX XXXX. 
Dispute Department Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

I have disputed again today after many unsuccessful disputes. 


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

I am writing to dispute an accounts fraudulently opened in my name. The name of the account is XXXX XXXX XXXX. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to this account. 
I request this account be deleted immediately as a resolution to this long awaited matter. Its been years and all I get sent from the copy is a signed contract which proves nothing as anyone can sign my name and statements which also doesnt proof owner ship. The account was opened fraudulent! 


According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft, and my personal information has been compromised due to a data breach. Pursuant to the provisions outlined in 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries associated with my credit file be blocked and deleted immediately. 
The following accounts have been identified as fraudulent and should be removed : Accounts : XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$750.00} XXXX. XXXX - Account # XXXX - Reported XX/XX/XXXX - {$200.00} XXXX. XXXX - Account # XXXX - Reported XX/XX/XXXX - {$32000.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Reported XX/XX/XXXX - {$27.00} Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just obtained my free credit reports from all three of the reporting credit bureaus and found out although I had a fraud block, Equifax gave a full credit report to someone in a billing office in an out-of-state hospital, so that a third party could use my credit to charge medical bills. This happened XXXX XXXX, XXXX and I just discovered it on XXXX XXXX, XXXX. I have never been to this state, nor have I lived in this state or been associated with the hospital.
Product: Credit card or prepaid card

I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ INFORMATIVE RESEARCH ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within 30 days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that I believe is fraudulent and was incorrectly added to my credit file. This account has been on my credit report since XXXX, and despite my previous dispute in XXXX, it was not removed and was even updated again in XXXX. 

Details of the Disputed Item : Account Name : XXXX Account Number : XXXX Account Type : Open account Balance : {$8500.00} Date Added : XXXX Last Updated : XXXX Date Opened : XX/XX/XXXX I have previously provided the following documentation to substantiate my claim : Proof of residence to show I did not live at the address linked to the account. 
Social Security card, identification, and state ID to confirm my identity. 
A police report indicating this was a case of identity theft. 

Despite this, the item was not removed from my credit report. By law, this negative information should have been automatically removed after seven years, which would be by XXXX. However, it remains on my credit report, impacting my credit score and financial standing.

Request : 1. Reinvestigate this item : Please conduct a thorough investigation into this account to verify its legitimacy.

2. Remove the item : Given the evidence previously provided and the legal requirement for removal after seven years, I request that this account be removed from my credit report immediately.

3. Correction Notification : Notify any entity or individual who has received my credit report in the last six months about this correction.

4. Free Updated Report : Provide me with a free copy of my updated credit report once this investigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my report I do not recognize.
Product: Debt collection

SPRING OAKS CAPITAL LLC Account : for {$1100.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with SPRING OAKS CAPITAL LLC and do not have a contract with SPRING OAKS CAPITAL LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and SPRING OAKS CAPITAL LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit repo

rting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to your credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple unauthorized and inaccurate inquiries being reported on my credit report by Experian. These inquiries were not authorized by me and are not associated with any of my current accounts or credit applications. Their continued presence on my credit report is unjustly damaging my creditworthiness. Despite my repeated efforts to resolve this matter directly with Experian, these unauthorized inquiries remain on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), consumer reporting agencies are required to ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include cases where I have explicitly applied for credit, sought employment, obtained insurance, or provided direct consent. The inquiries in question fail to meet these legal criteria, and their reporting constitutes a violation of the FCRA. 

Furthermore, under FCRA Section 1681i, Experian is obligated to investigate consumer disputes and correct inaccuracies promptly. I have disputed these unauthorized inquiries multiple times via mail and through Experian 's online dispute portal. However, no corrective action has been taken. This lack of action directly violates Experians legal responsibility to ensure accurate and verified reporting. 

The presence of these unauthorized inquiries misrepresents my financial behavior, creating an inaccurate and misleading credit profile. Inaccurate inquiries can unfairly lower credit scores, resulting in financial harm, including higher interest rates, denied credit applications, or diminished financial opportunities. 

Resolution Requested : Immediate removal of all unauthorized and inaccurate inquiries from my Experian credit report.

Assurance that Experian will conduct a thorough review of my credit file and implement stronger controls to prevent unauthorized inquiries from appearing in the future. 
Written confirmation of the removal of these inquiries and verification of compliance with FCRA requirements. 
Thank you for your attention to this matter. I trust the Consumer Financial Protection Bureau will ensure Experian upholds its obligations under federal consumer protection laws. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX