23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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  ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Complaint against Experian for Violation of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally report a grievance against Experian, a credit bureau XXXX for their alleged violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I sent a certified letter to Experian, addressed to the XXXX XXXX, on XX/XX/XXXX, seeking the validation of a debt related to a closed account with an open balance that is inaccurately reported as past due. The subject account pertains to my relationship with XXXX XXXX and has a reported opening date of XX/XX/XXXX, and an outstanding balance of {$410.00}. 

The FCRA, under Section 609 ( a ) ( 1 ), grants consumers the right to request verification of debts reported on their credit reports that they believe to be inaccurate or incomplete. My certified letter to Experian requested such verification of the debt associated with the mentioned account. Specifically, I sought information that would enable me to ascertain the validity and accuracy of the reported debt. 

Experian 's response to my request, however, has been unsatisfactory. The credit bureau failed to provide the essential information required to validate the debt, as stipulated by the FCRA. Instead, Experian continues to report the account as past due, which is having a detrimental impact on my creditworthiness. This reporting is in contravention of the FCRA 's provisions, specifically Sections 1681e ( b ) and 1681i, which mandate the accurate reporting of consumer credit information and the requirement to investigate disputed information. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly, as Experian 's actions appear to be in violation of the FCRA. It is my belief that Experian 's failure to comply with the FCRA has caused substantial harm to my credit standing, potentially affecting my ability to access credit, employment opportunities, and other financial activities. 

In accordance with the FCRA, I would appreciate the CFPB 's assistance in addressing this issue and ensuring that Experian adheres to its obligations under the law. I have attached copies of the certified letter sent to Experian, as well as any correspondence received from them in response to my request. 

Thank you for your prompt attention to this matter. I look forward to the CFPB 's involvement and assistance in resolving this dispute in accordance with the Fair Credit Reporting Act. 

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

I am writing to formally file a complaint regarding XXXX accounts that are listed under my name but do not belong to me. I have made efforts to resolve this issue directly with the financial institutions involved, but the matter remains unresolved. Below are the details of the accounts in question : XXXX XXXX Account Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX Description : This account does not belong to me. I have never opened or authorized any account with XXXX XXXX, nor have I had any transactions or interactions with this company. 
XXXX XXXX XXXX XXXX Account Account Number : XXXX ( partial number provided for privacy ) Institution : XXXX XXXX XXXX XXXX Description : This account is also not mine. I have never held an account with XXXX XXXX XXXX XXXX, nor have I authorized anyone to open XXXX on my behalf. 
I have contacted both XXXX XXXX and XXXX XXXX XXXX XXXX to report that these accounts are fraudulent, but despite my efforts, the issue has not been resolved. These accounts continue to appear under my name, potentially harming my credit report and financial reputation. 

I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Checking or savings account

Today, Saturday XX/XX/2024, I went to a Bank of America branch in XXXX XXXX, CA on XXXX XXXX XXXX XXXX XXXX XXXX. I was refused services at XXXX in the morning. I was told I needed an appointment and nothing else was available today. Employee in customer service who did not give her name was short and curt. Even though I explained it was a new account I opened and never received my debit card ( I ordered two thus far and needed a third ). There was no sense of urgency or importance. She even let this man jump in front of me in the line. When I called customer service I explained what I needed again and wanted to do it over the phone again services were refused and I was directed to my app. This is fraud. 18 US Code Section 1341 Frauds and Swindles.
Product: Credit reporting or other personal consumer reports

I notified this company that I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 I also advised notice that they had 30 days to produce the requested contract/proof and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The company did not complete or give notice of such investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an effort to improve my credit score, I found a company called Self Inc., also known as Lead Bank Self Lend.

By making payments into a savings account, they would report a positive line of credit to the 3 Credit Bureaus. Also, at the end of my term, I can collect on the savings I've built.

Unfortunately, I had to cancel the service and in doing so ; the expected outcome is that they would refund my money saved.

The point of this dispute is that the company attempted to automatically withdraw funds from my account AFTER I already closed it ... .AND the funds received from my savings account was far less than what I had saved.

# 1. Records show ( see attached ) that I closed my account on XX/XX/XXXX at XXXX. According to my bank, I had no pending charges from Self Inc. 

But on XX/XX/XXXX, a pending charge was triggered which resulted in an over draft fee with my personal bank PLUS a {$15.00} return fee with Self Inc.

So ... if I just closed my account, how can this company continue to automatically withdraw funds??! 

I raised my concerns with them and their response is that they attempted to withdraw the money on XX/XX/XXXX. But again, my records show that the transfer wasnt attempted until the XXXX. 

And all other payments ; according to my bank was on the XXXX of each month. 
# 2. Records show ( see attached ) that my savings balance was up to {$75.00} ... but the amount received was {$36.00}. I have no clue as to why I only received half of what I saved, and their records arent clear on how they arrived to this amount. 

I regret that I have to go to this length to collect on money I've saved, but I feel it necessary to resolve this dispute. 

Should you have any questions about this claim, and it's attachments. I welcome the opportunity to discuss this further. 

Thank you.
Product: Debt collection

I XXXX XXXX XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX made me purchase insurance separately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was the victim of a Zelle scam. A thousand dollars was stolen from my bank account without my authorization and my bank XXXX XXXX won't help me at all to refund my money. I did point out the XXXX law The Electronic Transfer Act but they completely ignored me. I feel extremely violated by everyone especially my bank that was supposed to protect my funds.
Product: Debt collection

I sent a letter to American Student Assistance letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and American Student Assistance refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. American Student Assistance provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX **I HAVE NEVER BEEN ASSOCIATED WITH THE ADDRESS THESE FRAUDLENT ACCOUNTS HAVE ON FILE. THEY HAVE ALL BEEN REMOVED FROM MY TRANSUNION, XXXX, AND XXXX. UNDER FTC, FCRA, USC SEC 15 1681. 1682, 1683, 1682, 1692g these illegal accounts under a fraudlent item must be removed immediately from receipt of this letter. 

The account listed below and inquiries are illegal and needs to be removed asap. I am not identified what so ever with this nor any fraudulent accounts tied to my credit profile. I have been in the process of repairing and fixing my credit report and this is the last illegal account attached along with said inquiries. Please remove this last illegal account asap Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$150.00} Date Opened XX/XX/XXXX XXXX
Product: Student loan

I was told that my loans were in the Public Service Loan Forgiveness program. I was told by an agent named XXXX XXXX at Great Lakes on XX/XX/2011 that " If you were quoted a standard payment plan for 30 years, I can use it and after 10 years the balance is forgiven ''. This was wrong information. I paid {$760.00} for 4 years. My account was then switched to XXXX and I found out that my payments were not considered part of the PSLF program and that the loans were ever qualified for it. I then had my loans switched to XXXX XXXX and am now in the correct payment and program. I have asked to be credited the time paid towards by 120 payments over 10 years but have not been able to do so. Great lakes gave intentionally gave me bad information and is not held accountable. I should be done with 6 years of payments but now still have 8 more to go.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 
Please delete the following accounts : XXXX XXXX {$9100.00} XXXX XXXXXXXX XXXX  {$2200.00} XXXX XXXX {$0.00} XXXX  XXXX {$280.00} XXXX XXXXXXXX {$480.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  SS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request that you provide validation of this debt. Additionally, under 15 U.S.C. 1681b, I demand that you provide the permissible purpose under the Fair Credit Reporting Act ( FCRA ) for any inquiries you have made into my credit report.

Furthermore, I am invoking my rights under additional federal laws, including but not limited to : 15 U.S.C. 1611 Criminal liability for willful and knowing violations of the Truth in Lending Act ( TILA ).

15 U.S.C. 1666 ( e ) Prohibition on creditors or assignees restricting rights of obligors to dispute billing errors.

15 U.S.C. 78m ( q ) ( 1 ) Requirements for financial institutions regarding proper disclosure of material financial obligations.

15 U.S.C. 77q Prohibitions against fraudulent interstate transactions in the sale or collection of securities or debt instruments.

To properly validate this debt, I request that you provide the following : A complete and itemized account statement detailing the alleged debt, including the principal, interest, and any fees applied.

2. A copy of the original agreement that created this alleged debt, bearing my signature.

3. The full chain of assignment, including all transfer and sale agreements between the original creditor and any subsequent debt buyers, demonstrating that you have the legal right to collect.

4. Proof that you are licensed to collect debt in my state, including your debt collection license number.

5. A copy of any judgment, if applicable, that you claim justifies your collection efforts. 
Until proper validation is provided, I dispute this debt in its entirety. Any attempt to collect an unverified debt may be a violation of the FDCPA and other applicable laws.

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist all further communication with me regarding this matter, except to provide the requested validation or to notify me of specific legal actions you may take. Any further attempt to collect this debt without proper validation will be considered harassment and a direct violation of federal law.

Failure to comply with this request may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. 
Please provide the requested documentation within 30 days of receipt of this letter. This letter serves as formal notice that I am fully aware of my rights under the FDCPA, FCRA, TILA, and all applicable state and federal laws. 
Sincerely, XXXX XXXX
Product: Debt collection

Earlier this month i saw a new collecrions on my account from XXXX XXXX and i never opened an account, nor had service from them. 

Today XX/XX/19 I called XXXX XXXX and i was directed to finance, the women I spoke to took my name and asked me to hold. She then came back on the line and asked me my code, ive never had a code, so she asked what city I lived in and shesaid thats not the town, i said listen lady ive never had an account and she saud well its your name but you cant provide me with the correct information so take it up with thecollection agency. I saud there should be not be in a collection agency lady, your prior employee couldnt find my ss # in your system but you found my name, so why do i have it in collections under my ss #? She said she couldn't help me so, i yelled im turning you into consumers protection and youll pay for the damages then! I recently started a busuness and this is hurting my ability to get new equipment. I want monetary relief in the amount of XXXX for the machine i coukd not purshave due to XXXX XXXX   negligence and this taken off my account asap. Please get back to me as soon as possible. ( XXXX ) XXXX my names XXXX XXXX and i own XXXX XXXX. Thanks.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with my credit report, There is a Alias name that is wrong and there are 4 wrong employers listed and 2 previous addresses listed that I never lived at. Also there are several accounst that say charge off and date of last activities are not correct and an account I was never late on and an accounts that do not belong to me. There is a detailed letter of explanation attached
Product: Credit reporting or other personal consumer reports

Theres a collection account on my Equifax, XXXX and XXXX credit report called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a balance of {$4100.00}. This not my account and should be deleted of my credit report. I'm going to try to upload some government ID 's to help prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts with Equifax, XXXX, and XXXX and have not received responses to my attempts to resolve the mistake made by the credit bureaus. I have sent many letters throughout the past year and have attached the latest round of letters and have provided the certified mail receipt numbers to show that the credit bureaus have received the letters. This is a violation of the Fair Credit Reporting Act and the disputed accounts must be deleted. 

Certified Mail receipt numbers XXXX Equifax XXXX XXXX XXXX XXXX