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

I was reviewing my credit report and i am quite upset at the inaccuacies you are reporting in my personal information. 

Under the federal law, you have 30 days from the purpose of this credit repair letter to re-verify these entries. It should be understood that XXXX to do so within a thridy- day period constitues reason to promptly delete the information from my file FCRA 15 USC s1681i ( 5 ) ( A ).

Also, pursuant to USC s1681i ( 5 ) ( A ) of the fiar credit reporting act. please notify me when the items have been deleted. 

Immediately remove all negative and inorrent information on my credit report listed below. 

XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX and XXXX XXXX  XXXX XXXX my rights under. 15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. Equifax, XXXX, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by XXXX XXXX XXXX, which underscores the XXXX policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to Equifax, XXXX, XXXX, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. Equifax, XXXX XXXX XXXX, XXXX, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Money transfer, virtual currency, or money service

I am formally writing to 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 the recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers, but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

I have a mortgage account with Wells Fargo. 
6 weeks back - i asked this question that if i recast my loan with $ XXXX upfront payment what will happen? 
I got a very useless answer with no specific points but something like " may be you will pay more interest '' ... ever since then i am behind this bank and asked very specific questions : 1 ) will i pay more interest or less interest if i recast with $ XXXX upfront payment keeping the loan term ( tenure/period ) the same. 
2 ) Provide me the entire data - principal as well as interest and lets say if i am doing it from XX/XX/XXXX or XXXX XX/XX/2018. 

Nothing has come out. When i called Wells Fargo..they transferred me three times and 4th time the transfer couldn't happen because XXXX was not there. 

It's very lousy, inefficient bank and good for nothing. They have outsourced all the jobs and really very difficult to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX XXXX XXXX or XXXX
Product: Checking or savings account

I purchased an auto insurance policy from XXXX for XXXX and XXXX per month payment for a 6 month policy.They deducted XXXX plus an additional XXXX. The XXXX was not authorized neither did I know that amount was due to purchase the policy. This occurred on XX/XX/2018. My Bank is TD Bank.At this time I am unable to maintain my other financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Lendmark financial on Tuesday XX/XX/2023 once I notice a few hard inquiries. I applied with lendmark a few times but the sites states will not affect credit score which I will provide that. I called and spoke with someone in disputing. She stated that when applying it's a hard pull online and I stated your site says WILL NOT AFFECT YOUR CREDIT SCORE. I begin to pull up site and read it to her. After the conversation she states I would just dispute it. I was confused because I stated that's why I'm calling because this is the disputing line. Lendmark financial has false information on their website and states it want affect which would be a soft inquiry but unfortunately it's a hard inquiry and I wasn't aware until now. Lendmark financial need to make customers aware of this and remove that it wont affect credit score because it drops it points for checking it.
Product: Credit reporting

There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.
Product: Debt collection

I was admitted to the hospital and was never sent a bill before the amount was sent to collections. Once it was sent to collections i paid the amount due but they refuse to show a paid collection or remove the item from my credit report so it still shows a large balance for a collection thats been paid.
Product: Vehicle loan or lease

Wells Fargo added an insurance policy to my account in or around XX/XX/2016. I believe I have payed on that and want to make sure that I havent. I was insured through my own insurance and they should have never added me. I called and had them cancel it but I want to know how much I was charged for when I was double billed
Product: Debt collection

I had a collection flagged by Consumer Adjustment co from a hospital bill that would be on record until XX/XX/XXXX. I disputed the collection with the collection agency directly due to that medical bill being paid by my insurance and me having no recollection of it outside of that. The collection was then removed and gone from all 3 of the credit bureaus by XX/XX/XXXX. The collection has reappeared by XXXX XXXX XXXX as of XX/XX/XXXX, without me being aware, and is now on record until XX/XX/XXXX. I checked back on my Account with Consumer Adjustment co and had came across a settlement offer for the same collection that is being reported by XXXX XXXX XXXX and when I try to look up my account with them I can not find it. I don't understand how this collection is being flagged by one account and reaged while being offered a settlement by Consumer Adjustment after I had disputed the collection. This sequence of events feels uncommunicative, indirect, and aggressive.
Product: Debt collection

Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and XXXX have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. 

IN ADDITIONA CREDIT COLLECTION SERVICE DOESNT HAVE LICENSE TO COLLECT IN THE STATE OF GEORGIA . Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was contacted by XXXX at XXXXXXXX XXXX XXXX asking if I had applied for a car loan. I had not done so. XXXX suggested that I put a credit freeze on all three of the credit bureaus, which I did. I requested information from TransUnion on who had looked up my credit information and found the following attempted fraud on my account ; XXXX XXXX XXXXXXXX XXXX called me XXXX XXXXXXXX No answer, no mailbox XXXX XXXX XXXXXXXX My carrier, XXXX can not complete the call XXXX XXXX XXXXXXXX I dont have an account, so the auto attendant hung up on me XXXX XXXX  XXXX XXXX My carrier XXXX XXXX can not complete the call XXXX XXXX Worked with XXXX and XXXX XXXX deny the attempted fraud. 

XXXX XXXX Talked to XXXX about how the caller who claimed to be me had an apparent XXXX accent. 

It seems to me that this may be an attempt to wire down payment money to a dealer, ask for a refund, and then the dealer finds out later that the wire transfer was not properly funded.
Product: Credit reporting or other personal consumer reports

XXXX illegally obtained my information from XXXX XXXX my account was already paid for and closed before XXXX XXXX switched over to nelnet they should not have had my information. They have also falsified loan documents and fasfa documents.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Re : Charge-Off Notice for Account [ XXXX ] Dear [ LVNV Funding LLC ], I am writing to formally request the charge-off for the above-referenced account in accordance with the applicable provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in relation to the account I hold with your company. 
This account, originally opened on [ XX/XX/25 ], has an outstanding balance of $ [ XXXX ]. I acknowledge that the account was not paid in full as agreed ; however, I am requesting that your company officially report the account as " charged off '' to the credit reporting agencies, as is your legal right under 26 U.S.C. 166. The charge-off will provide an accurate and timely reflection of the account 's status on my credit file.

In accordance with the guidelines established by the Internal Revenue Service, I would also like to request the issuance of a 1099-C form, per 26 U.S.C. 6050P, to report the forgiven debt as income if it qualifies under the applicable threshold.

I understand that once an account is charged off, it remains on my credit report for up to seven years from the original delinquency date, as outlined in the Fair Credit Reporting Act ( FCRA ). As such, I respectfully ask for the account to be updated to reflect its correct status and for further collection activity to cease, in alignment with FDCPA guidelines. 
Please provide written confirmation once the charge-off has been processed or if any further documentation or action is required from my end. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution to this issue. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to a Data Breach or Fraud, as indicated in the references below : FCRA Section 605B and FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 605B and Section 604. I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX
Product: Debt collection

I am filing a dispute against Mercantile Adjustment Bureau , LLC, for their failure to validate a debt and for harassing phone calls. Additionally, I would like to file a violation under the Texas & Federal deceptive trade act by XXXX XXXX XXXX for knowingly making false statements in order for me to purchase electricity service for a lower price and making false or misleading statements of fact concerning the reasons for, existence of, or amount of price reductions which resulted in a lump sum amount due of {$860.00}.
Product: Checking or savings account

I recently tried to open a checking account at XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ) twice and at Capital One Bank ( XX/XX/XXXX ) once, but both banks denied my application. During my first time at XXXX XXXX  on XX/XX/XXXX, the banker returned me a printed letter explaining that they couldn't approve my application due to negative records shown in my XXXX XXXX XXXX consumer report. As a result, I ordered a free copy of my consumer report from XXXX XXXX XXXX on XX/XX/XXXX. Basically, this negative record was about the " Closed for Cause/Purge '' status of my previous XXXX XXXX XXXXXXXX checking account because I didn't follow their bank policies. After sending all my supporting documents ( also attached below ) to dispute with both XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Department and proving that what actually happened to me was a check scam, I'm pretty sure this negative record has now been removed from my consumer report. Then, I tried to open a checking account at XXXX XXXX  for the second time on XX/XX/XXXX, but the banker there denied my application again without clarifying the specific reason. I further tried to open a checking account at Capital One Bank online on XX/XX/XXXX, but I was rejected again. This time, they sent me an email clearly explaining why my online application was not approved, which is because of a higher-risk XXXX XXXX XXXX XXXX  ( XXXX ) with major impact factors included. However, given that my previous negative record should have been removed, this explanation still doesn't make any sense to me because all my present checking accounts are on a very good track without violating any bank policy. I hope XXXX XXXX  can explain in more detail why they denied my second application. I also wish XXXX XXXX XXXX could explain in more detail why my deposit score is so high, how to lower my deposit score, and when I can apply for a checking account in any of the XXXX banks that own XXXX XXXX XXXX.
Product: Bank account or service

Over 12 years ago I got married and went to my local US Bank branch to change all my accounts from my maiden name to my new married last name, so I thought? 
Apparently they never updated all my accounts I was told because when I recently had a credit check run to purchase a new home. I was told that I had a debt that was being sent to collection against My US Bank Premier Card for over draft protection on my checking account. I called US Bank to find out what was going on and why had they not sent me a bill for my overdraft protection services. After speaking with multiple bankers and spending hours on the phone trying to figure out why I was never sent a bill, we discovered they still had my maiden name on the account. I had not used the overdraft protection for years and yet the Overdraft Protection account was stated on my monthly banking statements that were sent to me my married name every month. I was told by US Bank customer service that they must not have got my address updated 12 years ago to reflect my new married name. So i asked if I could get my name changed so I could get the statements for that Overdraft protection accounts corrected so I would receive the statements. I was told I could not change my last name with the customer service representative, that they had to send me a form out in the mail to do just that. 
Problem being that all my mail is being forwarded to my winter location so that would mean that the form would not get to me because of the name being My maiden name on the mail and not my married name of which all my mail is being forwarded to me by. So I asked can you send the form direct to my winter forwarded address so it will get to me because mail with the incorrect name will not be forwarded to me. They said they could not send me the form so basically they could not correct my name so I could get my statements sent to me with the correct name so I would have been able to get the mail that had been being returned back to them due to incorrect name. I paid the amount I owed them and asked them to close my overdraft protection account because they could not correct my name for future billing statements. I can not believe with all the information on my statement that they could not help me to fix this issue due to US Bank not getting my name changed like I requested 12 years earlier. 


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

I have contacted Equifax on numerous occasions to verify inaccurate information on my Credit Report. I requested equifax to send me any original documentations or contracts with my signature on it, legally binding me to the frivolous charge-offs, derogatory and collection accounts that they are reporting on my account. I have disputed these account numerous times. 
I have not received any documents or contracts with my signature linking me to these frivolous accounts they are reporting. 
Their response to me was that all the items I disputed was Verified using third party Data Furnishers. 

No Documents or Contracts with my signature.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 662, which states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 2 accounts with high balances of {$4500.00} and {$500.00}, 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.