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

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TODAYS XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Credit Card Cos. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX  XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX  XXXX, XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX  XXXX, XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Telephone Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

They have XXXX of my dollars. They said the only way I can get my money is if I order one of their debit cards. I ordered their debit card three times now and have not received it. They still have my {$600.00}. I want my {$600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.
Product: Debt collection

I had an account with capital one. The account was in good standing until someone stole my info and charged on the account. I do not know who did this. I have tried to dispute this matter as well as went through the credit bureaus and have not had any help from them. I was sick with XXXX XXXX and during treatment out of state my identity became compromised which led to many accounts being opened and used fraudulently. I have since out fraud alerts on my credit reports. Please help to resolve this issue. I have attached my XXXX XXXX XXXX XXXX XXXX ID card a well as XXXX letter to show I have been a patient and treating with them.
Product: Credit reporting or other personal consumer reports

I am writing to express my urgent concern regarding the delayed correction of a late open accounts on my credit report. It has come to my attention that despite my repeated attempts to rectify this issue, the late open accounts remains inaccurately reported, adversely affecting my creditworthiness and financial standing. 

I have taken swift action to address this issue by contacting your customer service department, submitting formal disputes, and providing supporting documentation to demonstrate the error in reporting. However, despite my immediate and diligent efforts, the late open accounts has not been corrected, leaving me at a disadvantage in accessing credit and financial opportunities. 

The continued presence of this inaccuracy on my credit report is unacceptable and has caused undue stress and frustration. As a responsible consumer, I expect timely and accurate reporting of my credit information in accordance with industry standards. 

I demand immediate action to investigate and rectify this situation by correcting the late open accounts on my credit report without further delay. Given the urgency of this matter, I request expedited handling of my dispute to ensure a swift resolution. 

Furthermore, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will leave me with no choice but to escalate this complaint to regulatory authorities and explore all available legal remedies to protect my rights as a consumer. 

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid I got extension on months missed witch means it shouldnt reflect on my credit report resulting in poor credit score
Product: Mortgage

Broker has been extremely uncommunicative throughout the entire process. On numerous occasions the broker has gone silent on all communication avenues for multiple days in a row. This includes but is not limited to text calls and emails. 

Currently broker has not responded to any borrowers, realtors or title company in over a week. Last communication to borrowers was on XXXX XX/XX/XXXX starting the file went to underwriting for closing. Since then we have had one more extension with no closing date in sight. 

Broker insisted that a third person on our loan was the only way to ensure we closed on the property. We added a third borrower on XX/XX/XXXX and the broker claimed to have never received the signed disclosures on XX/XX/2024. We had to resign them and send again. 

Broker has failed to communicate with all parties involved about the closing process and has not followed through with any of their promises regarding the closing of this property. This has caused loss of time, funds and emotional distress. 

Insurance company has also attempted to reach out to broker on numerous occasions for loan information and has not received a single communication back from broker.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 to investigate my claim 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 has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint for a fraudulent account on my consumer report. 
Report number ( XXXX ) its been past 14 and has not been deleted. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 

DELETE -XXXX XXXX XXXX
Product: Mortgage

I have received and successfully completed a trial loan modification with my servicer, Wells Fargo Home Mortgage/ASC. Wells Fargo now requires an arbitrary and highly unusual condition in order for me to obtain a permanent modification. Wells Fargo had made the out-of-ordinary demand that I obtain a subordination agreement from the existing XXXX mortgage lien holder. Prior to this unusual requirement, Wells Fargo demanded I obtain a lien release. I was working on the XXXX requirement for the lien release and suddenly the XXXX requirement for a subordination agreement was presented to me. The XXXX requirement came with a deadline - end-of -month XXXX 2015. Failure to provide this unusual requirement will cause Wells Fargo to declare an unjustified default. Wells Fargo is in XXXX lien position and the modification has not changed that. Wells Fargo demanded this arbitrary condition because they prefer to profit from foreclosure. I should be able to provide the necessary items to obtain the subordination agreement but because of the manner in which this demand was made, more time is needed. Wells Fargo is treating me differently compared to almost all other borrowers who have obtained a loan modification.
Product: Student loan

This loan was taken out fraudulently in XXXX I was sentenced to 4 yrs XXXX XXXX to Illinois department of corrections and didnt get released until XXXX. I spoke with merchant EDFinancial to get a validation of debt and have not received any info at all and was notified of the university as of doing bad business. I would like this removed from my credit and is so frustrating because they can not give any resolution to the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the XXXX is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave 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 in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Debt collection

I tried to apply for a mortgage on XX/XX/2023 and i see that there is a collection on my credit of {$2800.00} from Mid State Collection solutions collecting on behalf of XXXX XXXX located in XXXX Illinois. I have never lived in XXXX Illinois. The account number is XXXX from Mid State Collection Solutions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I contacted the agency on XXXX separate occasions for a VOD and they did n't send it. Then I told the rep who was very rude that I was disputing the debt in which she in turn stated that I did not have a valid dispute as they have my DOB. I called back to get the reps name and no one wanted to give it to me so they transferred me back to her. She told me to contact the insurance company for VOD that the company and client does not provide that. After arguing with her she finally consulted a manager who claimed they will be sending it. Her name was XXXX XXXX as she would not provide her full name to me. Rep was very argumentative and apparently does n't know the laws in which apply to her or her company.
Product: Bank account or service

Where do i get started. My father has recently passed on XXXX XXXX 2016, and during my dads funeral services my wallet went missing, and i noticed the next day and noticed {$200.00} was taken out my account, but how? I then call bank of america to report my card lost or stolen and put in a claim for this money they stole from me, and how they got my pin is crazy, they must f been standing behind me at an atm at the time of the funeral, and that is petty and sad just like bank of america! They declined my claim for what reason I do not know, and its sad, because I never try to claim anything or go through this broken process with these banks. But my dad just died and all these expenses left behind fall on me and I am in ruins right now! I would n't be claiming anything false, and the money was taken at a store atm, when i only use bank of america for just that " security ''! I am very disappointed in the way bank of america handled it and denying me for {$200.00} that is much needed to get my dad funeral expenses paid. I am so disappointed that I will be seeking a new bank soon, because it is sad that a huge bank like them cant help in your most time of need!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month. The credit agencies has three different open account dates. It also shows different amounts across all three agencies. I disputed these accounts on XX/XX/. All three agencies refused to complete a through investigation. I am not able to qualify for a home due to these inaccuracies hurting my account. By law the agencies are to ensure accurate information but failed to do so with my dispute date XX/XX/. Please delete
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, and XXXX XXXX ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.

Name Account COLLECTION. 
XXXX XXXX XXXX. 
Account Opened. 
XX/XX/2023. 
{$3900.00}.
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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( 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.
Product: Debt collection

In XX/XX/2021 I noticed a new collection on my account from Helvey and Associates. I contacted them via phone and spoke to a representative who told me a letter was sent to an address that was not mines. Confused about the entire process and being pressured to pay by the representative I paid the full amount of {$410.00}. I was told the account would be removed from my credit report. It is now XX/XX/2021 and the account is still reporting negatively although it was paid in full and I was told it would be removed. I spoke with a XXXX today who advised her company is mandated to report the account even though it has been paid. I asked her where the original notice of dispute was sent and she read off an address she said they got from a national change of address database. This is a clear violation of FCRA. Not only was I never notified of the debt or given the opportunity to validate the debt. The representative XXXX couldn't even validate my information today in order to prove the debt was even mines.