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

15 U.S. Code 1681c-2 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 after the date of receipt. It has been 30 days and you are in XXXX of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Acounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to chexsystems more than 60 days ago to resolve this matter and they did not. Consumer report listed as exhibit a and exhibit b along with complaint # # XXXX shows that chexsystems removed inaccurate and false information per complaint # XXXX and exhibit a. and then in that same complaint # XXXX state that the information is in fact verified and accurate which they show to not be true per removal of information. They are continuing to report false and misleading information which is a direct violation of my rights of the FDPCA. per 15 usc 1681 ( a ) accuracy and fairness ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

they are in fact ruining my reputation with this false inaccurate and misleading information. also per 15 usc 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. 

clearly my consumer report is showing inaccurate information and i am requesting an immediate removal of the incorrect account /information. per my consumer rights everything must be XXXX percent accurate and my consumer report is not showing XXXX percent accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate. They updated information on the report without proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
American Honda Financial failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX INQUIRY-XXXX  XXXX, 2023 XXXX XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXX : INQUIRY- XX/XX/2023 XXXX XXXX : INQUIRY- XXXX XXXX XXXX 2023 XXXX XXXX : INQUIRY- XXXX XXXX, 2023 I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a forcible entry and detainer case to credit bureaus XX/XX/XXXX.The case was dismissed XX/XX/XXXX in general sessions court ( voluntarily non-suited at plaintiffs cost/dismissed. ) I contacted warfield many times since dismissal-general court clerk faxed dismissal to them XX/XX/XXXX, they still will not remove from my credit report, instead when I dispute with XXXX credit bureaus and its removed they update report by adding a dollar to amount owed. In XX/XX/XXXX they updated report twice- by stating I had paid 5 % of the collection amount which is totally not true-by adding a dollar to amount {$1100.00} then $ XXXX.I was told by court clerk that I owe nothing because case was dismissed.Here it is 3 months later and again they have updated report increasing amount owed.I been refused housing and credit because of there continually updating my report.
Product: Credit card

Please review the attached documents. I request an investigation into the accounts reporting me as late, despite my consistent on-time payments.
Product: Credit reporting or other personal consumer reports

I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts. 

XXXX XXXX XXXX XXXX XX/XX/year> {$2500.00} XXXX XXXX XXXX XXXX XX/XX/year> {$1400.00} XXXX XXXX XXXX XXXX XX/XX/year> {$2000.00}
Product: Money transfer, virtual currency, or money service

Identity theft. My wife and I are both XXXX elderly retired citizens with an excellent credit rating and NO criminal history. Our credit card information was stolen via PayPal/Synchrony Bank. It has been used for two purchases to XXXX XXXX and one to for a {$3000.00} laptop computer. The criminal obtained my personal information from XXXX XXXX via PayPal Synchrony bank. He opened a credit account at PayPal 's Synchrony Bank using my Visa and personal information.. He obtained the {$200.00} cash credit limit on this card at XXXX XXXX. XXXX XXXX now demands that I pay the XXXX XXXX dollars even though they know I have been hacked. They call us every two hours, 24/7 days a week. PayPal who previously stated I would not be held responsible is aware but not making any effort to rectify the situation with XXXX XXXX. We have notified Social Security and the FTC who both advised we make a Police report. Information of the order of the laptop computer reveals the name " XXXX XXXX e-mail : XXXX. His address reads : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. We have contacted our Visa Credit Card provider and made them aware. XXXX XXXXSynchrony Bank state they will take us to court for the incident, thus we will use this notification in part of our defense.
Product: Credit card

Capital One continues to report inaccurate information on my credit report for account with capital one account XXXX. 1. This is a charged of account from XX/XX/XXXX it should no longer be being reported. 2. I requested you verify the account information several times, and Capital One has failed to investigate properly within the XXXX time period. 3. The account was sold to another lender, there should be a {$0.00} balance once account has been sold to another lender. 4.Please remove account from my credit report immediately as it past the statue of limitations on which you are able to report. In addition you continue to report inaccurate account information and have failed to provide me with valid account information. Remove account from my credit report or I will seek legal action. Attached is proof that the account has been sold to a collection agency, there should be a {$0.00} on capital one 's file due to the fact account was sold and no longer collectable by Capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several CFPB complaints against Experian concerning the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX. In these complaints I requested that Experian provide the legally required proof they used to verify these two accounts. Experian had 15 days to produce said proof and they failed to do so. Therefore Experian is in violation of the FCRA Section 611 ( a ) ( 6 ) ( B ( iii ) and section 611 ( A ) ( 7 ). Due to these FCRA violations the two accounts must be DELETED from Experian consumer report immediately.

Experian is also in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints.

Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Pursuant 15 U.S.C. 1681e ( b ) requires that EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information.

Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian has damaged my character, reputation, and credit worthiness. 

Experian is also in violation of a CFPB Supervisory Order. 

Experian is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written instructions.

Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information.

Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.
Product: Credit reporting or other personal consumer reports

am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts XXXX XXXX XXXX, XXXX. XXXX XXXX, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late on my credit report for XXXX for XX/XX/2019 for {$25.00}. The payment was not late. I have a letter from XXXX stating it wasn't late. Yet it's still on my credit report after 5 disputes.. ;
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries listed on my XXXX credit report. I did not authorize these inquiries, nor do I recognize them. The details are as follows : XXXX. XXXX XXXX XXXX* - Date of XXXX : XX/XX/XXXX XXXX. *XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX** XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. **XXXX** - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX** - Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX** - Date of XXXX : XX/XX/XXXX Please investigate these inquiries. I have not applied for credit with these companies and did not authorize these inquiries. I am requesting that these unauthorized inquiries be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, One Main Financial. On XXXX XXXX XXXX are giving me credit inquiries I wasnt aware of and some of them are even checking my credit twice which I wasnt aware of either. They have made my inquiries go to 25+ and I wasnt aware of this.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. The issue appears consistent with the recent findings by CFPB, which identified similar practices by Navy Federal Credit Union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of certain information from my consumer report, which has been identified as a result of identity theft, in accordance with 15 U.S.C. 1681c-2. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report, and I believe they are inaccuracies resulting from identity theft. 

As required by law, I am enclosing the following documents to support my request : A copy of my identification ( ID ) to verify my identity. 
A copy of the Identity Theft Report issued by the Federal Trade Commission ( FTC ). 
A detailed statement specifying the information I want to be removed from my consumer report. This includes [ describe the information such as account names, account numbers, or any other relevant details ]. 

ACCOUNTS & ACCOUNTS NUMBERS XXXXXXXX XXXX  : Account Number : XXXX Date : XX/XX/2021 XXXX XXXX : Account Number : XXXX Date : XX/XX/2021 A sworn statement, under penalty of perjury, confirming that the identified transactions are not related to any transaction made by me as the consumer. 
Under 15 U.S.C. 1681c-2, I understand that you are required to block and remove this information from my consumer report within four days from the date of receipt of this notice. I expect prompt compliance with this statutory obligation. 

I kindly request that you provide me with written confirmation once the requested actions have been taken, and the information has been removed from my consumer report. 

Your prompt attention to this matter is appreciated, as it is crucial for the protection of my credit and personal information. Thank you for your cooperation
Product: Mortgage

On XX/XX/XXXX & XX/XX/XXXX, 2 loan modification was done on our mortgage. We, the occupants never received monies. We have made several calls to Wells Fargo, FHA, & XXXX with no success on how they came up with the total {$72000.00}. Per Wells Fargo, FHA & XXXX they informed us there are 2 liens filed on our property. When taking the XXXX modifications we were informed that the non payment would be applied to the back of our mortgage loan not that we the occupancies would be responsible via a lien. 
Wells Fargo - XXXX-was informed to call FHA because they have no record that we own the above. 
FHA-03/09/2021 & XX/XX/XXXX was informed to callXX/XX/XXXX ( the consultant company XXXX to received the full understanding of the liens. 
XXXX was informed that they would send us an email which I will attached. 
Sending documents below : Wells Fargo XXXX & XXXX statements- will show you that they received the monies but adjusted it off. 
Wells Fargo XXXX - most recent statement Land Records - XXXX & XXXX FHA - XXXX & XXXX Letters XXXX - Letter
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : 1. XXXX ( XXXX XXXX XXXX XXXX XXXX  ) 2. XXXX ( XXXX XXXX XXXX XXXX XXXX ) This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Prepaid card

XX/XX/XXXX : Vanilla Visa e-gift card was purchased through " the gift card shop ''. After received the email and clicked into the link, the website indicated the card is on hold. The case was raised same day through customer service ( Phone # XXXX ) of " Vanilla Gift ''. 
XX/XX/XXXX : I called Vanilla Gift customer service, get notified that case will be solved and check will be delivered by 2-4 weeks. 
XX/XX/XXXX, XXXX : I called Vanilla Gift customer service, i was asked to wait for 4 weeks from case raising. 
XX/XX/XXXX : I called Vanilla Gift customer service, get notified that case resolved, check will be sent out, and it will take 5-7 business day. 
XX/XX/XXXX : I called Vanilla Gift customer service, get notified that it will take up to 3 weeks to receive the check, expect by XX/XX/XXXX. 
XX/XX/XXXX : I called Vanilla Gift customer service, not receiving refund check has been escalated, should received email with solution by 24-48 hours. 
XXXX : I called Vanilla Gift customer service, one supervisor told me the escalation will take 7-10 business day to process. 
XXXX : I called Vanilla Gift customer service, one manager told me that the escalation is still pending, he will work on it and I will have update within 48 hours. 
XXXX : I called Vanilla Gift customer service, another supervisor told me to wait for another 7-10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been disputing the validity of certain debts reported on my credit file since 2023. I submitted formal dispute letters to all three credit reporting bureaus ( XXXX, TransUnion, and XXXX ), as well as to the debt collectors ( XXXX XXXX, XXXX XXXX XXXX, etc. ), via certified mail. I paid for these mailings and have receipts to confirm delivery. 

Despite my disputes, the debts were " verified '' without any proof being provided to me as required under the Fair Credit Reporting Act ( FCRA ). I made numerous phone calls to the credit reporting bureaus requesting proper verification and documentation, but none was ever supplied. Instead, I was met with inadequate responses and no substantive resolution. 

As a result of these false and unverified debt reports : I was denied student loan funding. 
This denial forced me to take a semester off from school, delaying my graduation and disrupting my education and career timeline. 
I have attached evidence of my efforts, including : Certified mail receipts proving I sent dispute letters to the credit reporting bureaus and the debt collectors.

Copies of the dispute letters outlining my requests for validation and verification under FCRA.

Documentation showing no validation of the debts was ever provided.

The reporting bureaus have failed to fulfill their obligations under the FCRA by : Reporting inaccurate information without proper investigation.

Failing to provide me with proof of the debts they claim to have verified.

Continuing to allow inaccurate and unverified information to harm my credit report and financial stability. 
I request that the CFPB hold the credit reporting agencies accountable for their negligence, ensure the debts are removed from my credit report, and take action to prevent further harm to me and other consumers facing similar issues. 

The specific accounts I marked as inaccurate are the account with XXXX XXXX  ( Account Number : XXXX ) and the account with XXXX XXXX XXXX ( Account Number : XXXX ).
Product: Debt collection

I attempted to settle an account. When speaking with a representative, she said that in order to pay this, she needed updated personal information. She refused to accept payment without a lot personal information that I did not feel comfortable giving. 

Part of the reason she wanted this updated information was because they put this on my credit without notifying me first. She wanted the opportunity to rectify that. The ironic part was that I was trying to settle the debt and she wouldn't allow me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance XXXX {$600.00}