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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

Heres the list of the questionable items : XXXX XXXX  - Account XXXXXXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX XXXX  - Account XXXX
Product: Credit reporting or other personal consumer reports

All of the problems that you listed apply. They take over 30 days, they don't notify me of the results, they don't correct the information that is clearly wrong and they calculate my score completely different especially when I complain or file complaints or dispute, than my other two credit companies. They absolutely discriminate based on age, race and gender. The way that I am treated even when I call them on the phone which is extremely difficult to get through to somebody, is very disrespectful. My credit report which has the same information as my other two credit reports is XXXX points different suddenly. Why? I'm nearly XXXX credit score with XXXX and XXXX but Experian has me in the low XXXX. There is no reason for it. It's the exact same information on all three credit reports and I have verified that. It's extremely concerning. They don't fully investigate they don't reply they don't do what they are required to do by law and they don't make the creditors supply them proper information. I paid off my XXXX  and paid payments on time and yet they still are allowing that company to state that I'm making late payments or no payments when it's paid off! It's never fixed and this is just one example.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan.
Product: Credit reporting or other personal consumer reports

I am writing to demand the removal of Wells Fargo Account XXXX from my credit report. Wells Fargo informed me that they had been told the credit agencies to remove this account from My Credit report due to the inaccuracies ; however, it was never removed from XXXX or XXXX. This account must be disputed and removed from my credit report due to all inaccuracies.I have submitted multiple fraud reports for this account to be removed and disputes. XXXX customer service requested for me to turn in the full FTC report in order for this account to be removed due to Fraud. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because Wells Fargo illegally changed the account number for this account. I contacted XXXX customer service on the phone and they thought this was a brand new account. Please review my Wells Fargo account history and you will see that this is the same account that was previously removed by XXXX, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. 
Secondly, THIS ACCOUNT IS REPORTING TWICE TO MY CREDIT REPORT AS I HAD PREVIOUSLY DISPUTED THAT AS WELL. THIS SAME ACCOUNT IS SHOWING TWICE ON MY CLOSED ACCOUNTS. 
I AM READY TO SUE AS I HAVE DONE MY BEST WITH BEING PATIENT WITH WELLS FARGO AND THE CREDIT BUREAUS. 
REMOVE THIS ACCOUNT FROM MY CREDIT, SHOWING IT TWICE IS A COMPLETE VIOLATION. THIS ACCOUNT HAS COSTED ME TOO MANY LOSSES
Product: Debt collection

On XX/XX/XXXX, I received notice from One Advantage , LLC representing XXXX XXXX XXXX XXXX hospital for collection of medical debt. This agency is practicing an extortion scheme in which if payment of the balance is not received by a given date the agency will report the medical debt to credit bureaus. This method of extortion is an abusive practice as defined by the Dodd-Frank act, as it is unfair to low income individuals/consumers who lack the means to pay the balance demanded by the given date. 

I believe these practices being used are in violation of both UDAAP and FCRA. As such, I will be consulting with a litigation firm for the express intent to solicit a stop to these abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX # XXXX  - IDENTITY THEFT! 
XXXX XXXX  # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX  # XXXX - IDENTITY THEFT! 
XXXX XXXX XXXX XXXX - IDENTITY THEFT! 
XXXXXXXX XXXX XXXXXXXX # XXXXXXXX  - IDENTITY THEFT! 
XXXX XXXXXXXX XXXX XXXX XXXX  - IDENTITY THEFT! 


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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit Reporting act XXXX  Account # XXXX And also XXXX has violate In Accordance with the credit Reporting act XXXX  Account # XXXX has violated 15 U.S.C 1681 section 602 A. states 1 have the right to privacy 15 U.S.C 1681 section 602 A. states 2 It also states a consumer reporting agency can not finish a account with out instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I entered into a long term hardship program where I was informed each month my payment would be automatically withdrawn from my account then in XXXX I also called requesting to pay the balance off company refused because I was on the hardship program then charged my account off in XXXX witch is inaccurate because they were supposed to be withdrawing payments on the plan and spoke with company requesting proof and phone call reviews they refused to help or review calls when they say all calls are recorded.
Product: Checking or savings account

XXXX XXXX I tried to mobile deposit a legitimate payroll check. Chime bank could give NO REASON for them not accepting the check. Since they have no brick and mortar presence I was left holding a check with no way to cash it deposit it without significant cost to me. 

Additionally, Chime has been withholding XXXX direct deposits and offering no information about the delay to it's customers. Week of XX/XX/XXXX. 

They are a scam bank with zero customer service.
Product: Credit reporting or other personal consumer reports

I would like to delete these addresses on my credit report they are non-mailable addresses the only address that should be on my credit report should be the one i provided bellow, the following documents my id and a bill as proof of identity and address
Product: Credit reporting or other personal consumer reports

I have been trying to purchase a home since XXXX. On XX/XX/XXXX I applied for a mortgage with one company and a second one on XX/XX/XXXX in order to find a good rate. Unfortunately I was unable to proceed with purchasing a home at that time. 

In XX/XX/XXXX I again tried to find a mortgage and purchase a home. I applied with two mortgage companies, and was able to secure a good deal and buy a house. 

This issue is the hard inquiries for mortgage applications in XX/XX/XXXX and XX/XX/XXXX are listed separately with Transunion and XXXX. I suspect this is due to improper coding/labeling as some of the inquires are finance and some are miscellaneous. Neither company provides information or an option to correct this. The hard inquiries are valid, but the labeling is not. I believe I should have 2 sets, not the 5 they are reporting for XX/XX/XXXX and XX/XX/XXXX. I tried calling them as well but the automated answering service also did not provide more information.
Product: Credit reporting or other personal consumer reports

5 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should not be listed as an address of mine. I do not live ther and never have.
Product: Debt collection

I received a debt collection notice from XXXX. In order to dispute the debt, XXXX required me to create a login and password. It seemed like a scam and I believe I need to be able to communicate without creating a login or password. Unfortunately, XXXX does not put an email address on their website to dispute the debt. Additionally, I don't believe I owe the money they are asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I paid off the MoneyLion loan in full, yet the account is still being reported as a " Paid Charge-Off '' instead of a Closed Paid as Agreed or Paid in Full account. This is negatively affecting my credit profile. I submitted a request for proper reporting in compliance with FCRA 623 and Metro 2 standards. The current reporting is inaccurate and misleading to lenders, despite a {$0.00} balance and no outstanding obligation. This payment was completed on XX/XX/2024, and the charge-off amount is listed as {$650.00}.
Product: Debt collection

I received a complaint from Zwicker and associates XX/XX/XXXX without a demand letter or any pre- knowlege of a lawsuit pending. I do n't know who the law firm/debt buyer is, and they did not attach an affidavit or show anything pertaining to the alleged debt they are trying to collect, and they have violated the fair debt collection practices act. If they were truly working for XXXX as they claim is the plaintiff, they would know I have a third party lawyer assigned to the case. That lawyer would have received the demand letter, but they did not.
Product: Mortgage

I received a letter from Quicken Loans requesting to refinance our home. In the information they stated exactly what I owed on our house. My complaint is they had to breach my privacy by at some point by searching my files to get this information. I contacted Quicken Loans and the first phone call I made to them they were uncerned about my problem. About a hour later a lady called from Quicken and apologized for the problem. I told her it was not about an apology it was about breaking the law by breaching my privacy. Then a little some man called stating he was from the executive branch of Quicken Loans and wanted to know what it would take to solve my problem. I told him I had some people working on the problem and they were to advise me in a few days. At this time the conversation ended. I believe Quicken Loans violated my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did sent correspondence to XXXX and transunion regarding the false reporting of this account ending in XXXX by XXXX I sent a letter to the credit reporting agency that the creditor sent to me where it clearly shows the a major error of inaccuracies.
Product: Credit reporting

I have been disputing several items on my credit report for some time now. I have disputed several public records that they are refusing to remove because they state that they have verified the account. The first account is a judgment for XXXX. First and foremost the amount of the judgment is incorrect. The amount that was owed was XXXX and it was paid in full. The second is another judgment for XXXX which is a balance that I never owed, and last but not least a BK Chapter XXXX, which the district court notified me by mail that they do not report to the credit bureau. I have been disputing these items for over three years and I am hoping that you guys can help me solve this issue. I have been told by the courts for all XXXX judgments that they have not physically or intentionally reported to the credit bureau any information regarding my judgment and this is a issue that I must dispute with the credit bureau. I have been fighting with them for the last three years and I am not sure what else I can do.
Product: Credit card or prepaid card

On XX/XX/2018 : Received paper bill From XXXX XXXX XXXX. Bill was a late bill. Amount of purchase was {$10.00}, but was unable to locate information about the purchase ( what it was ). Have previously received email bills. Called XXXX XXXX XXXX. Finally talked with a real person. Was told XXXX had sold services to Citibank. Was also told I had received a new XXXX, which I have not received. XXXX XXXX transferred me to Citibank. Was told this is an XXXX XXXX credit card and was referred back to XXXX XXXX. Via automated voice closed my account.

Summary of Account Activity : Previous Balance ... .. {$10.00} ( no date or other information provided ) Payments ... ... ... ... ... ... XXXX Purchases ... ... ... ... .+ {$10.00}.

Cash Advances ... ... ..XXXX Fees Charges ... ... ... {$11.00} Interested Charges ... XXXX ________________________ Past Due Amount ... {$33.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As I was checking my records on my consumer report I have noticed a couple times that it says XXXX XXXX XXXX which is not my name I never use that name ever so I believe that somebody would use my identity back then and it's on my on my report on my credit report and I would like to find a way to change this cuz he's charges are being used under my name or coming up and hurting me
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.
Product: Credit reporting or other personal consumer reports

I filed complaint XXXX and requested the source or data furnishers ' information from Experian in order to conduct a thorough investigation into a reported bankruptcy. However, Experian responded with a generic template that did not address my complaint. While this record has been removed from both XXXX XXXX XXXX, Experian continues to report it without providing the source.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

While attempting to dispute an errant insurance billing issue, I was completely unable to contact TSI to advise them on the status of the debt. Using the phone number listed in their communication with us, I was put on hold for 3-5 minutes waiting for a representative. But was then told instead to leave a message. BUT was then told that their voicemail box is full. This is a debt collection agency ; their entire purpose is communication between parties. It is unethical for an entity to demand money, and then refuse to make themselves available to discuss. The debt is paid and Im requesting it to be deleted from all three credit reporting bureaus.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : WELLS FARGO BANK Account number : XXXX
Product: Bank account or service

I made a payment for XXXX to my insurance was to come out of business account but mistakenly was taken from my personal account. Bank notified me on XX/XX/2017 that I would have overdraft of XXXX put into my account with service fee of {$12.00}. I immediately put money in my personal account on same day bank unwilling to cancel the fee or cash advance of XXXX both of did n't have to happen. Bank robbing us.
Product: Credit card or prepaid card

XX/XX/2018- I purchase office equipment in the amount of {$1700.00} with my XXXX store card. Items on this order were returned by to XXXX on XX/XX/2018 credit for {$580.00} given on XX/XX/2018. Final part of order was returned around XX/XX/2018. XXXX issued a credit on XX/XX/2018 for the total amount of purchase {$1700.00}. I have reached out to company on XX/XX/2018, XX/XX/2018 and XX/XX/2018. and certify letter on XX/XX/2018. The company is stating the company I purchased from has not issued a credit. I have provided syncbank the issue of the credit card. 1 proof of return 2. proof of credit from XXXX and proof of credit for merchant
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX