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

I believe I have been targeted by identity theft and Equifax and XXXX  both are being deliberately uncooperative. Thankfully XXXX  still follows standard procedures. I have reported numerous inquiries as fraudulent to Equifax, and also a medical issue showing a collections on my report. I have called the medical company and there is a XXXX balance. I owe no money to this institution. I believe years ago there was something I disputed with this institution because they had tried to send me a bill they couldn't even make clear to me what it was for. It made no sense to me and I had believed it was some kind of error on their end. I never received the bill until the collections agent got in touch with me. It was only {$50.00} so I paid the collections because I was receiving harsh threats from them and the amount had to be paid " or else they would put it on my credit report ''. It seems they decided to do it anyway after payment. Equifax responded to my first letter, ignoring completely this vague medical issue that doesn't even have a balance, and refused to investigate the inquiries. They responded the day they received my letter a month ago, " stating all on my report was factual. '' My 2nd letter was responded to more slowly and they replied that " there are no files on my report with the credentials I provided ''. They address their response to " XXXX XXXX '' instead of " XXXX '' as they had done the first time. I provided proof of my identity and again explained the issue with the fraudulent inquiries. This letter and the rest have been completely ignored. When I call them they say " we do not investigate inquiries. It is not our responsibility. You have to file a police report for such things. '' Naturally, I attempted to file a police report and the police confirmed it is their responsibility to handle such issues. I know for a fact my inquiries were not investigated as there are inquiries on my report from companies that no longer exist ( XXXX XXXX for example ). Had they done their investigation they would have discovered that the creditors can not provide proof of any document that I authorized a credit pull. 
XXXX has simply ignored all letters that I have sent to them over the past 5 weeks or so and they have no intention of doing so. They also claim it is not their responsibility to investigate identity theft or fraudulent inquiries, and that I have to deal with it through the police. Both of these companies have had ample time to respond and refuse to answer, and by law, are required to remove these harmful and inaccurate records from my report. I am being personally harmed by this as I need to apply for a loan and I can't, because of these excessive inquiries. I will soon be forced to take legal action if they continue to violate my rights under the fair reporting act. Please assist
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SS # : XXXX XX/XX/XXXX RE : Notice to Correct Credit Report Dear Equifax Consumer Services Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Inaccurate Accounts XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within XXXX ( XXXX ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

calling leaving messages saying that I have been served by phone. I do not know who they are nor do owe a debt and also they have reported me to the credit bureau.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit, which has brought to light serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to adequately investigate my claims. They informed me that recovering the lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns regarding consumer safety.
Product: Credit card or prepaid card

I do not know how this is on my credit. I was barely XXXX and the CARD ACT strictly says that i must be with cosigner in order to have a credit card which is why i cant get one now. This says i opened this in XX/XX/XXXX - in addition it says in order to have a credit card you have to prove you can support your self, but i still to this day live with my mom, i have not had a job at all and only go to school, i have an allowance of {$20.00} dollars per week IN NO WAY DID I EVEN KNOW I HAD THIS CARD OR APPLY FOR THIS CARD OR USE THIS CARD, I DEMAND THIS REMOVED FROM MY CREDIT REPORT. I AM STILL LIVING AT HOME, BUT I PULLED MY REPORT TO SEE HOW TO LEARN TO START BUILDING CREDIT AND I FOUND THIS ON THERE I DEMAND IT REMOVED I DO NOT OWE YOU MONEY AND IF YOU SENT ONE TO ME THEN HOW IN XXXX DID I NOT KNOW BECAUSE I COULD NOT HAVE BEEN APPROVED THEN AS I WAS XXXX YOU ARE BREAKING THE LAW AND THE CARD ACT OF XXXX SAY YOU CAN NOT APPROVE ME REGARDLESS SO WHO DID YOU GIVE THIS CARD TO REMOVE THIS OR I WILL GO TO XXXX, NEWS STATIONS AND ATTORNEY GENERAL I AM A KID STILL AND YOU RUINNED MY LIFE BEFORE I EVEN GOT STARTED I WILL ABSOLUTLYE FIND A LAWYER AND SUE IF NOT REMOVED IMMEDIATLEY AND I WANT PROOF ITS BEEN REMOVED WITH OUT ANY FURTHER DELAY.
Product: Debt collection

I have repeatedly informed the debt collections company that I am not under contract with them and do not owe them. The debt that they are claiming is fraudulent and was from a prepaid card that was already paid for and could not collect more than the money Id already paid upfront and closed. When I did answer and attempt to resolve this the man on the phone started yelling at me and berated me. They continue to call me while Im at work and are relentless in their pursuit of an inaccurate and fraudulent charge to my previous account with a company not authorized or under contract with this company. I really want them to stop, though I blocked the number more than 4 times and they continue to harass me.
Product: Prepaid card

I bought ten InComm prepaid cards ( Vanilla Visa, Vanilla XXXX, etc. ) in XX/XX/year>, but they failed to work or stopped working. I tried to get replacement cards but the representative " XXXX '' refused to replace the cards as I requested and instead combined all of the cards in one request for a refund, Case XXXX. I have not gotten any resolution on case XXXX. I believe that a replacement card XXXX have been sent to me from this batch, but in total I have approximately {$4400.00} across 10 cards and I now want refunds ( including refunds of the purchase prices, approximately {$5.00} apiece or {$59.00} ) all by check. 

I tried in good faith to get replacements but InComm did not respond with replacements, and has not given me my money back.
Product: Credit card or prepaid card

I closed my XXXX XXXX XXXX XXXX  account & received a letter confirming it on XX/XX/XXXX. I had a balance from a purchase the month before, in the amount of {$110.00}. I paid it in full & on time. 
I placed another order with XXXX XXXX online in XXXX expecting to get a 25 % off discount. When completing my order, it did not apply to my balance. I immediatly called XXXX XXXX to see if they would adjust my order so it would apply the discount. They said they couldn't do that. I then asked them to cancel my order all together & again they said they couldn't. 
When I received the package, I returned the full order in the amount of {$150.00} back to XXXX XXXX. This gave me a credit of {$130.00} plus a charge of {$10.00} for a return fee on my XXXX XXXX XXXX XXXX. This left me an unnecessary balance of {$33.00}. I contacted XXXX XXXX again to credit back those charges, since I tried canceling the order from the start. They only credited the {$10.00} for the return fee, which still left me a balance. 
During all this time, I was out of state and not able to keep up with my account as well as if I were home, so therefore, I had forgot to pay the final ( unnecessary ) payment of {$24.00}, which made it a day and a half late by calling to make the full payment of {$24.00} in XXXX. The XXXX statement showed a total balance of {$35.00} for a late fee. I called XXXX XXXX to request a credit of the late fee, so I would have a XXXX balance & be in good standing with them. I was told since I closed my account they couldn't do that. Again, I was still out of state and made the unnecessary {$35.00} payment by phone on the due date, but was again almost 2 hours being on time. The XXXX statement showed a late fee and balance of {$35.00} once again. Again I called XXXX XXXXe to credit this charge & again they said they couldn't since I closed my account. This really frustrated me since I had previously paid my full amount due, plus two late fees on top of that. With that, I decided to write a letter to Comenity Bank to see if they would resolve the late fees being charged each month with a paid in full balance from purchases. Meantime, I still did not pay anymore while waiting for a response back from them. 
I received a letter dated XX/XX/XXXX stating that they could charge me a late fee if the minimum amount was not paid by the due date and that I now owed an amount of {$110.00}. 
I have been an account holder with XXXX XXXX for several years now and each time I made a purchase, I paid the card in full & on time. Now they are billing me each month with a late fee and interest for late fee, except for the last statement I just received. It showed an interest charge on purchases ( my purchases are paid in full ) and a total balance of {$110.00} ( late fees & interest ). 
Please see if you can get the amount of {$110.00} off my account along with the bad credit report that was given to me for not paying late fees. 
Thank You
Product: Credit reporting

Hello yes I contact the credit breau Equifax regarding account bankruptcy chapter XXXX that was fraud and they told me to send in documents stating it was fraud and I sent them document from the courts stating the account will be deleted and they told me if I mail them in the document showing it will be deleted they will update my file showing the bankruptcy will be removed I contact them and they still did n't remove the account off my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  discriminating agency directly bullied me via email and phone. I opened XXXX XXXX XXXX XXXX  and due to fraud and unauthorized transactions I refused to make payments because I have zero liability for fraud charges, bank failed to investigate fraudulent transactions in a timely manner therefore its unlawful for them to report falsely as a charge off, they also stole {$710.00} from me to cover for fraudulent transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX. I was shopping for mortgages and Wells Fargo gave me the best interest rate and the lowest down payment. I missed a payment here and there and it was fine, then one time I was late and they said I can not make the payment. I was confused then my daughter told me we were in foreclosure. I hired an attorney and the police that this was crazy, and I can borrow the amount from family. They told me at that point I remember vividly that they would never again accept a payment from me and to prepare for my foreclosure. It ruined my family. my children turned on me, everything fell apart. The lawyer told me he heard of this happening to a lot of people in our town and we put two and two together, however he claimed to go toe to toe with a company like Wells Fargo just was not feasible and I should prepare to a life without a home. I never recovered financially due to my age and I still rent today. It really breaks my heart to know if I had chose another mortgage lender I would have equity and a home to call my own. I lost everything because of wells fargo, they did not care and they KNEW what they were doing was wrong. The staff knew it as well and all they can do is apologize. The fact is, I paid until they chose to no longer accept my mortgage payments so they can sell my house from under me and when they did, they turned a tidy profit on it as well. They are the type of company that you ( consumer watchdog ) are designed to protect hard working citizens like me from. They ruined me for no reason just pure olf fashioned greed. I am glad someone told me about this link. The world should know what they have done.
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems.

The events mentioned, including XXXX  occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency.

Additionally, it is noteworthy that the financial institutions sharing this information with Chex Systems are not related by any common ownership or corporate control, rendering Chex Systems a non-affiliated third party. According to the Fair Credit Reporting Act, the unauthorized sharing of consumers ' nonpublic personal information with any non- affiliated third-party consumer reporting agency is considered a breach of identity protection.

I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information.

Moreover, as per 15 USC 1681 ( d ), any " person, '' including corporations like Chex Systems, may not procure a consumer report on any consumer unless there is a clear disclosure to the consumer that an investigative consumer report may be created. This disclosure must be in writing or mailed to the consumer no later than three days after the date on which the report was requested ( inquiry date or first transaction date ). I did not receive any written disclosure from Chex Systems regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record.

To validate the legitimacy of your claim that I provided written authorization for the creation of such a report, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. If you are unable to furnish this proof within the dispute period of 30 days, I insist that you promptly delete all the transactions and experiences you are reporting about me as a consumer.

I appreciate your immediate attention to this matter and anticipate a thorough investigation into the inaccuracies outlined in this letter. Your adherence to the FCRA is crucial in ensuring the fairness and accuracy of consumer reports. I look forward to your timely response.

Attached below is my Driver License to validate
Product: Credit reporting or other personal consumer reports

The credit bureau Experian is reporting an address XXXX XXXX XXXX XXXX XXXX XXXX This is not my address! Someone used that address and created it/ used it on my credit report!

The bureau is also reporting a credit card balance for a total of {$420.00} that I allegedly applied and got approved for by XXXX XXXX. This is fraud! Someone used my name and a fake address to apply for that credit card! This was not anything I ever applied for. I have tried to dispute this twice and havent gotten anywhere it is still reporting. This credit card is showing opened on XXXX XXXX XXXX   and is still being reported as of now! 

Experian is also reporting two collections that I allegedly applied for. 
The first collection is showing XXXX XXXX XXXX, aka XXXX XXXX reporting a balance of {$780.00} and that I allegedly opened the account XX/XX/. Sir or madam, I have never opened any XXXX XXXX   account! I have asked them to show me proof on plenty occasions and they keep giving me the run around saying that I can go inside XXXX and pull that information which is XXXX because they should provide me proof upon request! 

The second collection is another credit card being reported by XXXX XXXX XXXX XXXX XXXX XXXX  for a balance of {$740.00}! Again someone used my personal info to open a credit card. I have never used this credit card as of my knowledge so please I need assistance with getting this deleted! I have tried to dispute these as well and in the comments ( in the photos ) below it shows proof Ive been trying to get this removed!
Product: Debt collection

I am a co-signer on this debt. However I never received any notice of my right to dispute the debt.
Product: Debt collection

RE : Statute of Limitations in Minnesota Good day, I hope you are well and I appreciate your timely response. 

Today, XX/XX/XXXX, I got a call from XXXX XXXX with a litigation threat lien on my home if I do not pay up a debt occurred in XXXX  and was given XXXX hours to respond or I will be forced to XXXX XXXX. 

My wife was worried and I called the number back to clarify what that debt was and requested for information but received XXXX documentation. I was told it's with Citibank so I called Citibank and Citi bank advised that I have no outstanding debt with all accounts closed appropriately ever since. I called XXXX XXXX to report that it's a mistake and I have no existing debt with a XXXX score of XXXX as I actively check my credit scores. 

The officer at XXXX XXXX stated that if I dispute then I will have to bear XXXX the costs to be in court and I felt threatened as I have never in my life been in court or failed any payments.

I reluctantly paid the costs as we were afraid about the lien threat on our home and I am truly afraid of any escalations. I checked again with Citibank and again they confirmed that I have no recorded debts and was asked to share the docusign for their reference.

Did I make a mistake? I did not get proof of what the payment was and felt scammed.

Please advise what I should do and I'm afraid that such threats may arise again.

Thank you for your time and support. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX EXPERIAN Account Type : Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am disputing inaccurate and unverifiable information related to my account with XXXX, which has been marked as " charge-off. '' Upon reviewing my credit report, I have identified significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Derogatory '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Canceled by credit grantor. '' Experian : Highest reported balance : {$1200.00} Balance owed : {$0.00} Account rating : " Paid '' Account status : Closed, marked as " Collection/Chargeoff. '' Reason for closure : " Account has been closed due to inactivity. '' XXXX : No information reported. 

These inconsistencies between the credit bureaus, particularly regarding the account rating, account status, and reasons for closure, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy in the information they report. XXXX reports the account as derogatory, while Experian shows it as paid. Additionally, the reasons for closure vary, with XXXX reporting it as canceled by the credit grantor and Experian indicating it was closed due to inactivity. XXXX does not report this account at all. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding my credit obligations and payment history. These discrepancies negatively affect my credit history and misrepresent my financial standing. 

I request that, under the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus clearly show that the reported information is not accurate. Please provide me with the results of your investigation and a corrected report as soon as possible. 

For your reference, I have attached copies of my credit reports highlighting these discrepancies. 

Thank you for your prompt attention to this matter. I look forward to your timely response.