23daVinci/CFPB_Complaints huggingface dataset:
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. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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, credit repair services, or other personal consumer reports

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

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

15 U.S.C. 1681XXXX ( A ) ( XXXX ) 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. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.
Product: Debt collection

Hi, I received the bill on my credit of XXXX dollars from Gold Key Cred. 
I was shocked because i am an educated and responsible person.I can never leave my bills unpaid. 
I called their customer service number, XXXX. The lady on the call told me that its about the medical bill of hospital, used by my name or miss used my information. 
I never been there in that hospital in emergency. 
Some one used my name and information. I request you please take action on this wrong bill on my name. Its damaging my credit score badly. 
Please help me to get rid of this fraud done with my ID, as soon as possible. 
I will apprecite. 
RegardsXXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove accounts from account that was not properly investigated the companies are as followed 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. These accounts were used as a tax write off and should have been removed 6 disputes ago. Want all the accounts removed off my credit.
Product: Credit card or prepaid card

XX/XX/21 - I received a visa card from Cash App that I need not request or open. The company has no listed phone number for assistance. I did not request this card or open this account.
Product: Mortgage

This is an update to complaint # XXXX In XX/XX/XXXX XXXX paid {$13000.00} towards my mortgage principal. ( See document ). The ENTIRE balance at the time was XXXX. 

In accordance with the loan agreement the mortgage NOTE was satisfied but the bank has refused to mark the loan paid in full and have added an additional {$9000.00} to the principal. 
Here is what the contract states. 

Unless the law says otherwise, ALL payments received shall be applied as follows First to any prepayments due under the NOTE Second to any TAXES AND INSURANCE THIRDLY TO INTEREST DUE FOURTH TO PRINCIPAL LAST TO ANY LATE CHARGE Atlantic was instructed on XXXX to pay mortgage note OFF IN FULL MOREOVER, THE FOLLOWING DISCREPANCIES WERE FOUND : Issues with XX/XX/XXXX statement 1. In XXXX, XXXX, XXXX, BILLING STATEMENTS were generated on the XXXX of each monthAFTER a late fee can be accessed and/or generated but XXXX bill was generated on XXXX. 

2. They are reporting on the 1098 to IRS that only {$1800.00} of interest had been assessed but the billing statements contradict. 

3. XXXX. XXXX and XXXX BILLING statements clearly show all actual payments and/or TRANSACTIONS. For example : payments to principal in the amounts of {$5000.00}. {$2500.00} are clearly shown on XXXX & XXXX statements. AND THE billing statements HAVE BEEN GENERATED ON THE XXXX of the month. BUT XXXX statement for XXXX has been generated on the XXXX and does NOT show the {$13000.00} transaction. It is showing a principal pay down of {$2200.00} and a regular payment. When in all actuality, the entire loan was paid in full in the amount of {$11000.00} on XXXX as per what is being reported to the IRS ON THE 1098. 

4. Clearly, something is off with Atlantic Union bank reporting on both their billing statements and their IRS accounting. 

PLEASE NOTE LOAN BALANCE that Atlantic Union Bank REPORTED ON Form XXXX TO THE IRS ON XX/XX/XXXX and COMPARE THIS DOCUMENT WITH THE XX/XX/XXXX billing statement. ( See ( attchbilling ) document dated. XXXX HOW TO RESOLVE? 

An audit of the banks books are warranted A deed marked paid in full sent to me A refund of all monies owed and fines assessed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's 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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable ans raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account names : 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

My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 
XXXX XXXX Balance Owed {$0.00} XXXX XXXX Balance Owed {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts that continue to appear on my credit report. On multiple occasions, I have submitted disputes concerning inaccuracies in these accounts and have requested that they be thoroughly investigated. Unfortunately, despite my efforts, no resolution or corrective action has been taken, and the inaccuracies persist. 

These erroneous accounts are having a significant negative impact on my credit file, leading to financial hardships that have severely affected my ability to live a normal life. I kindly request that your agency conduct a comprehensive investigation into the reporting of each disputed account and take the necessary steps to update and rectify my credit report. 

It is crucial that this matter is addressed promptly. I ask that you ensure the accuracy and integrity of my credit file and that the required corrections are made without further delay. The resolution of this issue is of the utmost importance to me, and your swift action would be greatly appreciated. 

I look forward to receiving confirmation that the investigation has been initiated and that the disputed accounts will be corrected. Thank you in advance for your understanding and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and XXXX contacting you to report that the following collection account and inquiry are not mine and I am a victim of identity theft. Account number XXXX and inquiry from XXXX XXXX and or XXXX XXXX Bank XXXX are NOT mine and need to be deleted from my credit report as soon as possible. I did not make these charges. I reported the identity theft to the Federal Trade Commission, FTC, and have copies of the FTC affidavit. Please charges immediately.
Product: Credit reporting or other personal consumer reports

I was looking over my report because my score went from XXXX to XXXX as i looked deeper it appears some hard inquiries that i did not authorize I have a two hard inquiries that i did not apply for or authorize AMEX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company several times. I have asked to update the credit bureaus several. They have lied saying they sent screen shots of their accounts to the credit bureaus prior to when they report to credit bureaus. I paid the account off in full on XX/XX/XXXX. They have reported to all 3 of the credit bureaus 3 times that the account is 60days late on the XX/XX/1926 & XXXX. I have gotten hit hard on my credit reports by them intentionally reporting inaccurate information. I have filed a dispute with all 3 credit bureaus & the company won't respond to them. I need this to fix asap. I have documents showing I paid it off as well conversations we have had.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I have a auto loan with Santander Consumer located in XXXX Texas. Each month I sent them two payments which equal to one month payment. One half of my payment is mailed in the first week of the month and the second half of the payment is mailed out by XX/XX/XXXX.My payments are {$320.00} the due date is the XXXX of each month. 
XXXX stated they received first half of my payment on XX/XX/XXXX and therefore I am always late. According to them my second half is always late. 
Today I went on line to check my account again they stated they received only one payment on the XXXX.I asked if that is true, WHY IS MY BALANCE STILL THE SAME AS LAST MONTH? ( FROM WHEN THEY RECEIVED A FULL PAYMENT IN XXXX and XXXX in XXXX? ) XXXX is not being candid with me and they are not recording my payments and balance. I DO N'T KNOW WHAT ON MY CREDIT REPORT. I do know If XXXX keep recording me as late it will reflect my credit.
Product: Credit reporting or other personal consumer reports

The below inquiries were not authorized by me : 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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account Account : XXXX XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money, and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX did not fix an error on my credit report. The contract was canceled by the company.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have sent a letter of appeal to Capital One for the removal of the XXXX alleged late payments for XXXX - XXXX of 2024. 

My report recently reflects XXXX alleged late payments. The inconsistencies show my credit is being mishandled. The inconsistencies and lack of accuracy is affecting my progress.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration regarding the unresolved discrepancies and unverified negative items on my credit report. Despite multiple attempts to dispute these items since XXXX XXXX XXXX I have received no satisfactory resolution from your agency.
Product: Debt collection

On XX/XX/2018, this debt for {$400.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was placed on my Experian credit report..is not my bankruptcy..have filed formal dispute with request for supporting documentation of their verification of it..they did not provide documentation..merely said it was verified through a third party which I believe is not allowed under fcra..contacted 3rd party and tried to dispute again but Experian refuses to to investigate. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has assumed the role of communicating these alleged debts and information listed below. Therefore, you must follow the laws, the FCRA and FDCPA, that were written by congress and put in place in order to protect me as a consumer. So it is your responsibility to ensure that your company does not engage in any conduct that violates my individual privacy, and is detrimental and harmful to my character, reputation, or mode of living. 

The reporting of the following alleged accounts are in fact violating my rights under the FCRA and the FDCPA, and are both detrimental and harmful to my character, reputation, and mode of living. You are also violating my individual privacy because I never gave you any written consent to communicate these alleged accounts through any means or facility of interstate commerce. 

Please remove these alleged accounts listed below because you are engaging in conduct that is unlawful and unfair. This dispute is between your company and I, not the furnishers of this data so there should be no reason why I should receive a response from you company saying that you are investigating this dispute with them. Your company is the one who is violating my rights, and under the provisions of the Gramm-Leach Bliley Act, I opt-out of the reporting of the alleged accounts and information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Under the Fair Credit Reporting Act you have 30 days to respond. I hope that your company upholds its call for integrity, and you protect my rights as a consumer under the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. Everything that you need as far as my identification goes is attached, which is my license and proof address therefore there should be no reason why this dispute is not processed by your company. I will maintain all copies of this letter in the event that further action is needed, and I ask that you include this letter in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

the three major credit bureaus refuse to remove eviction that does not belong to me ; I am a victim of ID The have submitted affaviadt and police report to support claim and its still there the account names are : XXXX XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX/XXXX  , XXXX XXXX, XXXX  XXXX XXXX XXXX , and XXXX XXXX ... please see FTC report # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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
Product: Money transfer, virtual currency, or money service

Yesterday, I transferred money to my sons bank account in the XXXX. The receipt said that the date the money will be available in the receivers country is today XX/XX/XXXX. It is already XXXX right now in the XXXX  . My son was getting crazy back and forth to check if the money is already in his account but nothing happened. Today is his college enrollment and he went home empty handed. He was already in school since morning waiting for the money to come but nothing happened. Ive been sending money to him almost every month but this is the first time it failed to deliver. I need some explanation what had happened. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX - XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

XXXX XXXX didn't provide any written letter regarding my right to dispute the current debt at hand.