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

This is a formal complain against all XXXX credit bureaus - XXXX, XXXX, Equifax. It all started with my identity was stolen and used to create a credit card account with XXXX XXXX XX/XX/XXXX. I learned about the existence of the account when I received a bill in XX/XX/XXXX. I immediately reported fraud to XXXX XXXX, who then closed the account while doing their investigation. I then asked and confirmed that the account was closed in XXXX XXXX. Because I continue to receive a bill from XXXXXXXX XXXX into XX/XX/XXXX despite being told that the account is closed, I filed an Identity Theft report from FTC in early XXXX and mailed the letter and report to all XXXX credit agencies. When I applied to a mortgage lender for loan, a credit pull in mid XXXX resulted in my credit score dropped by XXXX points. All XXXX credit agencies reported that the derogatory remark was because of the outstanding, XXXX days past-due balance from XXXX 's XXXX despite I have placed an fraud alert and reported it to them. I have since filed a Police Report and submitted it to XXXXXXXX XXXX again , who claimed that they are doing yet another investigation for another 50 days. No credit agencies acknowledge this account is under investigation but " customer closed the account ''. At the end of XX/XX/XXXX, I physically went to XXXX XXXX to pay the balance and prepare to file a dispute in small claims court. Credit agencies bare no responsibilities but ruin my life despite me being a victim of identity theft and did my due diligence to ensure that I did my part to make this as transparent and as fair as I can. As far as I can tell, paying for an outstanding balance created by a perpetrator is not fair, nor do I suffer XXXX points deduction in my credit score. This is literally no way to recover from this nonsense against corporate bullies. FTC identity theft report, police report, evidence, history of credit -- none of those things matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX. I've been a victim of fraud in XX/XX/2021. 
I have been a loyal Bank of America customer for over 20 years. 

My checking account number is : XXXX XXXX Routing # XXXX Please refer to the attached letter with details of the fraud I have been a victim of. 

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

I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Credit reporting or other personal consumer reports

The following items do not belong to me. I have already submitted my FTC report showing that the fraud company didn't remove them under section 605. They have 4 days to remove fraud items and block these items. I demand immediate removal. We are looking to pursue arbitration if items are not removed and blocked immediately. 

I also request the FTC to send all documents including my drivers license my id to these agencies
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item bas
ed on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This formal complaint is filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Innovis credit reporting agency, block the information appearing on my consumer credit report that is a direct result of identity theft and fraud. Per federal law, you are required to block such information within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following : Personal Credit Card Account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Auto Loan Account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Personal Loan Account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). 
Collections Account opened at XXXX XXXX on XX/XX/XXXX, with a balance of $ ( private ), that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 
These fraudulent accounts have triggered multiple fraudulent hard inquiries and fraudulent collections on my consumer XXXX credit report, maintained by you, Innovis. I have attached a detailed list of the hard inquiries in question, as well as a copy of my consumer XXXX credit report showing the aforementioned fraudulent items. 

Statement of Identity Theft : I do not recognize the above accounts, collections, or hard inquiries as being initiated, opened, or made by me. These items were not authorized by me in any capacity and are the result of identity theft and fraud. 

Attached for your review is a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), which serves as proof from the U.S. Federal Trade Commission that all of the accounts, collections, and hard inquiries listed above are, indeed, the result of identity theft and fraud. 

Immediate Action Required : Per FCRA 605B, Innovis must : Block all of the fraudulent items identified in this complaint from appearing on my credit report within 4 business days. 
Confirm in writing that the fraudulent items have been removed. 
Failure to comply with these federal requirements will leave you open to further legal action under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

Please confirm the resolution of this complaint by sending a written response within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im writing to share my frustration with Zelles approach to resolving disputes, especially in light of the recent CFPB lawsuit that sheds light on troubling issues with the platform. Despite regularly using Zelle and raising concerns about transaction discrepancies, neither Zelle nor my bank took meaningful action to investigate my claims. I was told that recovering my lost money and tracing the transactions wasnt possible. The CFPBs findings suggest Zelle has failed to protect its users and has enabled repeat offenders to take advantage of the system, leaving people exposed to scams. This lack of responsibility and transparency is deeply troubling and undermines trust in the platform.
Product: Money transfer, virtual currency, or money service

My wife XXXX XXXX was scammed through zelle on XX/XX/XXXX my wife got a call that a zelle fraud was on her account. 
call came from XXXX XXXX XXXX XXXX ( most likley a spoofed number ) our bank XXXX XXXX  called and talked to both banks, they are currently doing an investigation into it. But im starting this complaint in case the banks cant do anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports.

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ).

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report.

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Product: Checking or savings account

I am a XXXX XXXX for XXXX. On Tuesday, XX/XX/XXXX, I accepted a XXXX   from XXXX XXXX At XXXX XXXX XXXX at XXXX. I came to learn after the fact that this person created a fraudulent account through XXXX  To have access to my personal information. He then called pretending to be XXXX, a manger with ID number XXXX. He said that my account was suspended and that I could not XXXX  another XXXX  until it was resolved. He even told me he had reached out to XXXX XXXX And told him that I would be delayed, and I received a message from XXXX XXXX Saying as much. XXXX asked me for personal information to verify my account, including my bank username. I said that I was not comfortable giving that information, but it was through verified and secure text messages so he could not see my information. 

While on the phone, he hacked into my Bank of America account and transferred {$2000.00} to a man named XXXX and {$600.00} to a man named XXXX using the app XXXX ( which I have never used in my lifetime ). I do not know either of these people, nor do I know the man on the phone. I immediately reported the fraud to Bank of America, and opened up new accounts with the bank. The claim number is XXXX. This claim was denied because the bank claimed that since I provided a username that I authorized the transactions, but I do no such thing. 

I came to learn that this is a known fraud scheme with XXXX. The XXXX XXXX Account was fake, and he made the account to have access to my personal information as his XXXX  XXXX. The representative was also a fraud, and in fact they were the same person. I do not know this person, and I do not know the people who he transferred money to. 

My XXXX police report ID is XXXX. I have also worked with Detective XXXX XXXX, who can be reached at phone number XXXX I am also including a copy of my complaint to the Federal Trade Commission ( FTC ). My FTC report number is XXXX. 

I would also like for it to be known that XXXX Is aware of the fraudulent activity, and has confirmed that this person used a fraudulent profile on XXXX To hack my bank account. This person inappropriately used the XXXX App that I work for to access my personal information. The Fraud Department at XXXX Is very willing to assist with this investigation to have my funds securely returned to me. The XXXX  Fraud team can be reached at XXXX.
Product: Mortgage

yet again have diputed what wells fargo have not complied to do, over XXXX complaints against wells fargo bank fraudulent forclosure XXXX to XXXX every time i diput because they havnt answered my questions now iam in the process of hiring a atterney to sue wells fargo for fraud and perjury committed in all courts around america from XX/XX/XXXX concurrant the CFPB have done nothing for me or all the other fradulent forclosures and i have all the originall paperform letters and documants no matter how long it takes i will prove that wells fargo committed fraud and perjury
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

My file is unable to be pulled from Annual Credit report.com or from Equifax 's website and was unable to be accessed by a lender when unfrozen and unlocked. When I go into Equifax 's system I see only a portion of my accounts and many are missing. However, I did receive a dispute summary that lists accounts that I can't see to dispute so something on their end is still not working regarding my file.

Their customer service has been dismissive of this even though it has now been at least two weeks that my file has been inaccessible and previously the only tradelines showing in the backend were not updated since XXXX / XX/XX/2024. 

I am again requesting they combine any multiple files and ensure accurate reporting and accessiblity to both myself and anyone trying to pull my report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate :
Product: Mortgage

i keep sending this information I get no answers once again i need answers on the loan modification it clearly states my payment start on XXXX/XXXX/XXXX, why was the escrow not collected from XXXX/XXXX/XXXX, instead of starting per chase on XXXX/XXXX/XXXX where is all the escrow money from payments fron XXXX/XXXX/XXXX to XXXX/XXXX/XXXX Your payment work clearly states all this information so where is the XXXX for those six months You representatives clearly told me many times my escrow is collected from XXXX to XXXX so where is XXXX to XXXX? Also on another letter dated XXXX/XXXX/XXXX it clearly says effective XXXX payment was XXXX of XXXX, so that will add another month in question refe number on letter is XXXX, so this refe number clearly says my loan stated in XXXX so why does escrow go from XXXX to XXXX? 


OM THE MORTGAGE STATEMENT DATED XXXX/XXXX/XXXX it clearly shows escrow payment should have been XXXX there is not amount as this on escrow history paper they sent me so how much was added in the account for the XXXX/XXXX/XXXX payment on the payment statemented dated XXXX/XXXX/XXXX it states that on payment due it is only XXXX but on the history paper work sent to me it clearly shows XXXX was put in to escrow where is the rest of the money on XXXX says XXXX goes to escrow but on the history sheet it only has XXXX where is the XXXX XXXX why is there a XXXX money added into principal curtailment where did this come from on XXXX/XXXX/XXXX i paid a extra XXXX on escrow but it clearly shoes they added it to principle curtailment why also on XXXX/XXXX/XXXX for the amount of XXXX and XXXX/XXXX/XXXX for XXXX and XXXX/XXXX/XXXX for the amount of XXXX for XXXX for XXXX my copies from the bank clearly show it was escrow deposit is n't that illegal since my receipts show it was escrow in XXXX there are several months that my payment was suspended and never was added into a payment this also will make escrow short the months are on the transaction history clearly shows they were never added in XXXX, XXXX XXXX I have asked this be answered they are not answering it going back to XXXX/XXXX/XXXX I was also cheated out of money stated at XXXX then they took out XXXX saying i had minus XXXX then added back in XXXX coming up with a plus of XXXX you can look at this and see its incorrect why was this not corrected what is a loan maintenance for XXXX dated XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed some inaccuracies on my credit report and I tried to dispute them with the credit agency EXPERIAN.

I have disputed these items before and they came back verified. Which I disagree with because the other credit bureaus are not reporting the same information or not at all which means it is not 100 % accurate.

I sent in a 2nd dispute asking for proof and method of verification. EXPERIAN sent back a generic automated response for all disputes.

This is really frustrating as I am trying to build my credit and purchase a home and these inaccuracies and negligence from EXPERIAN are holding me back.

Attached is a copy of EXPERIANS response for my request of verification method. It is the same response for each dispute. 
Also attached is my certified mail tracking numbers
Product: Debt collection

I received a letter from Midland in 2013, I immediately, ( XXXX XXXX 2013, they received it on XXXX XXXX ) sent them a letter requesting validation on the alleged debt. To this date, I have received any response nor validation to this alleged debt. Instead, I received another letter attempting to collect another debt as the account number of the previous alleged debt do n't match. My name does n't even match, i 've sent them another letter requesting validation again for this alleged debt. This is basically the XXXX bogus attempt from them to collect a debt that I do not owe to them. Also, with this contact they are in clear violation of the Fair Debt Collections Practices Act. As i 've never received any response on my previous request for validation, instead I just received another letter attempting to collect. My initial request for validation was timely within the XXXX days timeframe I have to request validation under FDCPA, so ; any further activity to collect on the debt would be a violation of their cease collection bar under FDCPA 809 ( b ). If they are communicating regarding a different collection ( i.e., they consider it to pertain to a different debt ), then that would have required they send another dunning notice within XXXX days after any initial communication. They thus either consider it the same debt, or have violated requirement for a XXXX dunning notice.