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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/XXXX/Experian & Attorney General/Consumer FinanceXXXXXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$670.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$7700.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX You also have an address listed for me as : XXXX XXXX XXXX XXXX XXXX, SC XXXX This will be removed as this is NOT ACCURATE! You Have my information belonging to another state! 









I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
Any physical proof that an account established by me, should be sent to me with such direct information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I had apply with a loan with XXXX XXXX through a mail advertisement of being preapproved for up to {$4000.00} on an installment loan. I applied on their website at XXXX and was approved for {$850.00} credit limit with a 360.00 % interest rate. I had every intention to pay this loan in full within 28 days because I did not want to pay on this high interest loan. I was dealing with a hardship after being out of work and receiving treatments for a XXXX  XXXX. Due to this hardship there were a number of occasions where I had to change the due date for a later date. To date XXXX XXXX debited my account {$790.00}. XXXX XXXX increase my credit limit with an additional {$150.00} which I have no intention of using and I still have a balance due of {$790.00}. If I was able to pay off this balance today the amount that XXXX XXXX would receive from me is {$1500.00} for a {$850.00} loan
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies, XX/XX/XXXX, TransUnion andXX/XX/XXXXare reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXXXXXX {$570.00}
Product: Student loan

I am currently unable to work due to permanent XXXX in my back. I am currently receiving general assistance from the government. I will, unfortunately, never be able to provide a suitable income to pay this loan in full. This has become painful hardship on my normalcy of life.
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 U.S.C 1681 1 ) XXXX XXXX XXXX XXXXY XXXX XXXX account # # # # # # # XXXX has violated my rights Hard 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 All account above have violate 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Product: Debt collection

I received an alert that a collection from Fair Collections and Outsourcing ( FCO ) for a rental debt was placed on my credit report. I then contacted FCO for more information and told them that I never lived at the address they stated, and the rental was a result of identity theft. I filed an identity theft claim with the Federal Trade Commission stating that In XX/XX/XXXX, I received a phone call from a collections agency known as Fair Collections and Outsourcing saying that they were a debt collector attempting to collect a rental debt. I had no knowledge of this debt as I'd never rented an apartment from the rental company, they said they were collecting for, XXXX XXXX XXXX XXXX. They then gave me information that the account went delinquent in XX/XX/XXXX. I've never lived at a XXXX XXXX property and have no knowledge of the account. I attached proof that at the time the rental occurred I was living at not only another address, but another state that the rental occurred. FCO sent me a letter back saying that they still believe the account is my responsibility when I in fact did not ever live there. I have reached out to them three times already to resolve this problem, they have refused to comply to the FCRA rules. Before I take this case any further, I decide to submit a complaint first before I contact them for a fourth time. If they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX and XXXX ; and I'm assuming my Experian  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XX/XX/102018 . We eventually went with XXXX XXXX XXXX XXXX but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on the XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XX/XX/XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points.

If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
Product: Mortgage

I received a letter from Citi-Mortgage concerning a refund check of XXXX cents that was supposed to be mailed to me in XX/XX/XXXX has yet to be mailed to my place of residence. 

Also I spoke with Citi-Mortgage in XX/XX/XXXX and a customer service agent told me the check was mailed on XX/XX/XXXX they continue to give me the run around concerning the check please help resolve the matter. 


I will attach the letter to my complaint Thank You XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2021, I received notification that KeyBank, N.A. had opened a XXXX account in my name. I did not apply or consent to the opening of this account. I have never applied for or received benefits under this program. The account information was mailed to a satellite office of my employer. Upon receipt of this information, I reported the fraudulent application to KeyBank. I was advised that an unknown individual submitted a fraudulent application for unemployment benefits to my state XXXX XXXX XXXX I was told that matter had been reviewed and closed as a fraudulent claim. Thereafter, I reported this fraudulent activity to the XXXX. I was advised by the XXXX that the account has been terminated as fraudulent and that no further action was required. 

On XX/XX/2021, KeyBank mailed an account statement, related to the fraudulent account to the address that was used to fraudulently obtain unemployment benefits. This letter included my identification information and the last XXXX digits of an account that was reportedly ( 1 ) never opened and ( 2 ) terminated by inactivity. I called KeyBank yesterday to report the fraudulent transaction. I was disconnected by their automated system twice. There was no option to speak with a representative directly. Their fraud department would not permit me to file a fraud complaint because it could not locate the fraudulent account. Upon reaching a supervisor, I was instructed that my only recourse was to contact the XXXX. When I inquired as to the recent letter, which was mailed by KeyBank, not the DOL, I was told that they mailed XXXX XXXX letters to anyone that may or may not have accounts, without regard to any reports of fraud. I was told that they do not scrub their accounts for reports of fraud to make sure that the notices that they are mailing are not sent to addresses that were previously reported as fraudulent. Despite having reported the fraud XXXX months ago, the fraudulent address remains an active and valid address in KeyBank 's system, without explanation, and without the ability for me to do anything about it. I was told that since I did not open the account, even though it was opened in my name and I am the reported beneficiary, but rather the XXXX opened the account, without my consent, I have no right to any information regarding the account. Therefore, KeyBank refuses to confirm in writing that the account has been closed. KeyBank is playing an active role in this fraud by refusing to acknowledge my complaint, refusing to confirm in writing that the account is closed/never opened, disseminating my information to an address that has been reported to be fraudulent, and refusing to take corrective action to stop the future dissemination of my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Debt collection

Requested contract to be send of validation that I signed with said creditor no response given
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Payment History Including Metro 2 Under 15 USC 1681e Dear XXXX, I am writing to formally request the deletion of certain payment history entries, including those reported through the Metro 2 format, from my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681e.

XXXX XXXX XXXX  Upon reviewing my credit report, I have identified discrepancies in the payment history associated with my accounts. It has come to my attention that some of these entries, particularly those reported using the Metro 2 format, are inaccurate and do not reflect my true creditworthiness.

As per 15 USC 1681e of the FCRA, I request that you conduct a thorough investigation into the accuracy of the payment history entries reported through the Metro 2 format. Any entries found to be inaccurate, incomplete, or not verifiable should be promptly deleted from my credit report.

I understand that the Metro 2 format is utilized for standardized credit reporting, and therefore, I urge you to ensure that all information reported in this format complies with the FCRA and accurately reflects my credit history. 

Furthermore, I request that you provide me with a written explanation of the results of your investigation and any actions taken as a result. Additionally, I would appreciate receiving an updated copy of my credit report reflecting the deletions made after the completion of your investigation. 

Thank you for your attention to this matter. I trust that you will handle this request promptly and in compliance with the FCRA. If you require any further information from me, please do not hesitate to contact me at the phone number or email address provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, COMENITYCAPITALXXXX Inquiry XX/XX/2021. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX has advised that i owe a debt to XXXX XXXX  - The Initial Phone Call the agent was extremely rude, condescending and extremely difficult to communicate with has she repeatedly cut me off and over talked me. 

This debt was a result of an ex boyfriend stealing my credit card and using it, i did not know about the debt - once i was made aware i paid it in full in XX/XX/2018. 

I contacted XXXX XXXX and they transferred me to the XXXX XXXX - XXXX XXXX to pay the account in full. I did so, i have a paid in full letter. 

I contacted XXXX to verify how long it would take for my credit bureaus to update as paid and they transferred me to NAR - NAR stated the debt was still owed and thats ' when the agent refused to let me speak. 

I advised XXXX XXXX on the call, i paid the debt in full - she advised me to email a copy of the letter. 

I emailed the letter twice and received an additional inquiry in regards to the debt XX/XX/2018 stating it was still due. I have reached out to NAR now 4 times advising i have paid this debt and there is a disconnect in communication - where they are not understanding or updating this information. 

At this point i do not know what else to do, besides get an attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act these accounts has violated my rights 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. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Credit reporting or other personal consumer reports

Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( XXXX ).
Product: Checking or savings account

My direct deposit of {$2100.00} from my employer was taken by Wells Fargo on XX/XX/2023. They then proceeded to charge my account for other transactions resulting In my account being- {$2500.00} I called Wells Fargo & they said they were working on it but they dont have a time when it will be fixed. I now can not buy food for my kids, pay rent or other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX Account XXXX XXXXXXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.
Product: Checking or savings account

My account ending in XXXX was on a payment plan to make {$70.00} payments every XX/XX/XXXX of the month for three months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.I was informed twice that the account can not be negative for longer then five days, ( the calls are recorded ). My account went negative on the XX/XX/XXXX {$10.00} and was closed on the XX/XX/XXXX. I called all numbers and was told it was closed in error and is out of their hands to open it and it would still be sent to the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX. My mortgage with Wells Fargo was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from Wells Fargo and a Certificate of Satisfaction letter for this loan. 
Wells Fargo, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( {$130000.00} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing this complaint against Experian for failing to correct or remove inaccurate information from my credit report, despite my formal disputes and supporting documentation. Specifically, Experian has refused to properly investigate and remove a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) auto loan account, which contains multiple inaccuracies and is unfairly damaging my credit profile. 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off, {$60000.00} written off, {$63000.00} past due as of XX/XX/XXXX Date Last Updated : XX/XX/XXXX I initially disputed this account with Experian, citing factual inaccuracies, potential reporting errors, and/or failure to verify the legitimacy of the debt. Despite my dispute and request for verification, Experian failed to properly investigate and instead marked my dispute as " Completed Consumer Disagrees '' without providing adequate justification or evidence supporting the accuracy of the information.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), Experian is legally required to : Conduct a reasonable investigation into disputed accounts.

Delete or correct any information that can not be verified as accurate. 
Provide details on the method of verification used to confirm the reported information. 
XXXX failure to comply with these legal obligations has resulted in : Continued harm to my XXXX XXXX due to inaccurate information. 
A lack of transparency in the dispute process. 
A violation of my rights under the FCRA.

Resolution Sought : I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take immediate action against Experian and require them to : Remove or correct the inaccurate XXXX XXXX  account from my credit report. 
Provide full details on how they verified the accounts accuracy. 
Ensure compliance with FCRA guidelines and implement stricter measures to prevent inaccurate reporting. 
IN ADDITION I ASKED TO REMOVE THE FOLLOWING ADDRESS WHICH IS NOT MINE AND THEY REFUSED XXXX XXXX XXXX XXXX FL XXXX. 


I am attaching copies of my dispute letter, Experians response, and supporting documents for your review. 

I appreciate the CFPBs assistance in resolving this matter. Please let me know if further information is needed. 

Sincerely,