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

This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. XXXX ). 

DISPUTE OF INACCURATE INFO ON CREDIT REPORT Specifically : Failure to Conduct Reasonable Reinvestigations : Experian 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 
Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers. 
Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 
To comply with the FCRA and rectify the inaccuracies on my credit report, l demands the following : A detailed written explanation of the outcome of the reinvestigation, explicitly verifying the disputed information remaining. 
XXXX removal of all inaccurate, incomplete, or unverifiable information from my credit report. The accounts in questions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian continues to report wrong information in the address section. They show that I have resided at XXXX XXXX, GA XXXX. I have disputed this multiple times to no avail. I just got the new case file number XXXX which still has this address on the file. This needs to be deleted at once. I also requested all contact information of who supplied this information which Experian has failed to comply with. This violates the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX Somebody tried to apply for a credit card in my name without my permission from PenFed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : $ XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX it has reported my account information as late for XXXX & XXXX of 2021 under 15 U.S. Code 1681a - Definitions ; rules of construction. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTION or EXPERIENCES between the CONSUMER and the PERSON making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; Source Link located at XXXX : XXXX XXXX has conspicuously disclosed what information should be excluded from a Consumer Report. The Consumer Reporting Agencies are in violation
Product: Credit card or prepaid card

1. Wells Fargo has stated the XXXX XXXX account XXXX has closed per their own guidelines on accounts suspected to have been opened by someone else other than the named person. 

2. Wells Fargo 's identity verification system flagged my application in the beginning because my SSN was issued after the SSA went to a randomized numbering system. 

3. Wells Fargo 's system is discriminatory because it is not up-to-date to deal with these new SSNs. Essentially, Wells Fargo discriminates against new immigrants and will eventually discriminate against a new generation of citizens who were issued SSNs after the number randomization. During the first few calls to Wells Fargo, they asked me where my SSN was issued, which it was issued from Illinois, but the number itself ( based on the older SSN numbering scheme ) would appear as issued from New York. So, I failed that question which led to Wells Fargo requesting my SS card to be sent via fax ; which I had to send multiple times due to Wells Fargo 's inept and inefficient methods in their offices. 

4. Wells Fargo is no longer a reputable banking institution because of their fraudulent and discriminatory actions. 

5. Wells Fargo continues to send me documents and statements about this account despite them stating they do not believe I am the person who opened the account. 

6. Wells Fargo, during a call on XX/XX/2017 on/about XXXX XXXX ET, refused to remove the account from my credit profile and refused to remove the credit inquiry. 

7. The action outlined in item # 6 is illogical if they truly believe the account was opened by some other person.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and : - I have a XXXXXXXX XXXX  account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXXXXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX, which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Product: Credit card or prepaid card

XXXX XXXX  was bought by XXXX/XXXX. When it was XXXX  my paycheck was loaded at XXXX. For years consistently. Now with XXXX  it's sometimes XXXX sometimes XXXX or XXXX. Every week it's a different time. And it's 100 % there fault
Product: Payday loan, title loan, personal loan, or advance loan

One main financial had me buy insurance in order to get the loan and when I paid it off I never got a refund for the difference I want to be part of the lawsuit
Product: Debt collection

On XX/XX/2023 I was notified by XXXX XXXX that my credit score had changed. When I logged in to view it I noticed it had dropped 60+ points. Confused I started to look at why it had dropped and noticed I had 1 derogatory mark on my XXXX and 2 on my XXXX. Looking at those they are 2 separate collection companies, Transworld Systems and XXXX XXXX, looking for debt payment. The original debt owner is XXXX XXXX... I have never had an account with XXXX XXXX. One amount is for {$540.00} and the other amount is for {$360.00}. I called XXXX to ask how this happened and was told they had 3 total accounts under my social security number but not all with my name and all 3 were in cities I have never lived in. I have filed a police report ( # XXXX ) and XXXX has started a fraud investigation. I also put a freeze on my XXXX, XXXX, and XXXX accounts. 

As a result of this my husband, XXXX XXXX, checked his credit report and has 7 reported debt collections from Transworld Systems, XXXX XXXX, and XXXX XXXX  with the original debt owner being XXXX XXXX. The amounts on his credit report are : {$500.00}, {$570.00}, {$600.00}, {$910.00}, {$150.00}, {$700.00}, and {$370.00}. I called the police and they said we can use the same police report ( XXXX  XXXX ) since our issues are with the same company. After that I called XXXX to see how many actual accounts they had under his social security number and they told me they had 60 accounts all in cities he has never lived in. They have started their fraud investigation and told me I should go to the FTC to file a report which sent me here. We have also put freezes on his XXXX, XXXX, and XXXX accounts.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXXXXXX XXXX XXXX To Whom It May Concern : I am writing to dispute several unauthorized credit inquiries on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : Details of Unauthorized Inquiries : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Miscellaneous Reporting Agencies Contact Information : [ No address or phone number provided ] Action Requested : I kindly request that you : Remove the inquiries from my credit report. XXXX  equifax and XXXX  Provide written confirmation of the removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist This is in reference to the SELF LENDER FINANCIAL. While checking my credit report, it came to my notice that SELF LENDER FINANCIAL has furnished an account ACCOUNT # XXXX on my Consumer Reports. 
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by SELF LENDER FINANCIAL will amount to Communication. 
I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 
The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.

15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

15 U.S. Code 1681n- ( b ) Civil liability for willful noncompliance You are now liable under false pretenses or knowingly without a permissible purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- Your financial institution SHALL NOT furnish ANY INFORMATION relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. YOU HAVE BEEN PUT ON NOTICE.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020 I advertised and sold a watch on XXXX The buyer sent the funds to my Paypal account. I then shipped the watch to the buyer with tracking number. The watch never arrived to buyer, or so he claims. The money was withdrawn from my Paypal account and Paypal refunded back to buyer. I do not have the watch nor do I have the money. Paypal has also put a hold on my account and will not permit me to withdraw {$200.00}. that sits in my account.
Product: Debt collection

This is a charge that XXXX XXXX charged me after I had cancelled my service and returned their cable equipment. This charge had already been disputed in 2015 and was removed from my credit report. This company XXXX XXXX XXXX ( ERC ) has posted this same charge again on my credit report twice this year. This has damaged my credit rating and I have been denied credit due to this collection status on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

My received a loan set off and determined by the fair market value of a 2001 XXXX canry yellow XXXX in mint condition. They refused rto make payment arrangements with me and my car was repossed within only a 30 day period of not being able to pay due to an truck accident in which I lost my job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to make a payment arrangement over the phone and said I need to make an arrangement in person after losing my only means of transportation. They accelerated the loan and breached the peace by selling my car without proper notice and venue and I was given a potential fraudulent.bill of sale sold at an auction in which it was sold for XXXX .I 'm requesting proof of sale and Bill of sale and XXXX XXXX XXXX XXXX XXXX insurance company 's information to submit. A legitimate and valid claim. I have XXXX. Video of XXXX XXXX branches Gm giving me really potentially fraudulent, exaggerated bill of sale without proper notice to be first in line to cure account and be able but back my property and my means of transportation. The district manager refused to provide me the insurance companies contact number on recording. There is no statues of limitations on fraud. This is a strong unrefuted unrebutted claim in that regard claim amount is fairly calculated in the amount of XXXX.
Product: Payday loan, title loan, or personal loan

I used my car title to secure a loan of {$3000.00} on XXXX XXXX. I have been making monthly payments of $ XXXX {$450.00} since XXXX. Yet this company says I still owe a debt of {$3100.00}. I calculate that as of today XXXX I have paid them over {$8000.00}. 

This company is unconscionable taking advantage of me, with their predator, fraudlent business tactics. I have asked them several times to lower interest rate and settle for different payoff method, they are not willing to arbitrate with me. 

The Lender Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The Payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan with Wells Fargo for debt consolidation. The fees being charged do not add up over the life of the loan my total interest paid should be {$1500.00}. 
I have paid more than this in interest and fees I asked them for additional information and research into this with no response
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting by SecurityCred ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by SecurityCred. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) The issues with this account are as follows : 1. **No Contract with SecurityCred : ** I have no contractual relationship with SecurityCred. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with SecurityCred invalidates the reporting of this debt on my credit report.

2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

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

My name is copy written and in violation of my consumer rights. Under 15 U.S.C. 1681 Section 604 A Section 2. This is in violation because I did not give written permission. Enclosed was my copyright sent to the bureas and I have a national UCC-1 attached to my name as private. 
Delete the following negative accounts -- XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Certified mail was sent out on XXXX XXXX
Product: Credit card

Citibank sent me a notice of closure for an account I had with them since 1995 ( 20 yrs ). It stated to cut up any cards I had in my possession and notify any card users of the closure. They did not send prior notification stating the account would be closed and give me a chance to take action to keep it open. The account is one of my oldest trade lines and this closure will cause harm to my credit score. It 's unfair and I should have been given at least 30 days prior notice. They stated in order to re-open the account they need to pull a new credit report. This is underhanded and unnecessary. My credit was good enough for a XXXX limit 2 weeks ago and nothing has changed so this action is just a ploy to change the agreement from prior years. Pulling a new report will cause harm as well to my credit score. They admitted if they closed it in error it could be reopened without a " rescore '' or pulling of credit. This practice is unfair, deceptive and abusive.