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

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently found a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates federal law in my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THESE XXXX COLLECTIONS DID NOT PROVIDE THE BALANCE THEY SAY I OWE WITH PROOF OF PAYMENTS UP TO THAT BALANCE DATE, DID NOT EXPLAIN AND SHOW ME HOW THEY CALCULATE DWHAT THEY SAY I OWE. THEY HAVENT PROVED THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THAT ACCOUNT AND PROVIDED ME WITH THEIR LISENCE NUMBE RAND REGISTERED AGENT SERVICE.
Product: Money transfer, virtual currency, or money service

I have sent numerous zelle amounts to coworkers as I am a XXXX and playing the other employees over Zelle is common. Although sometimes I had entered the wrong phone number and lost that money entirely This has happened about 5 times for a total of around XXXXXXXX XXXX
Product: Mortgage

This complaint is regarding the balance for Summary of Amounts Past Due before Bankruptcy filing ( Pre-petition Arrearage ) shown on the most recent statement dated XX/XX/2021. The amount shown {$1000.00} is incorrect and the correct balance is XXXX ( XXXX ). 

As of XX/XX/2021, a document was signed and executed by XXXX XXXX, Attorney for New Rez ( Shellpoint Mortgage Servicing ) at the XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. states amount necessary to cure the petition is XXXX ( XXXX ). The document stating this information was filed and sent to XXXX XXXX XXXX XXXX XXXX. See the attached document for your reference. The error on my mortgage statement should have corrected months ago. Please make the necessary changes and updates to my account and all future mortgage statements showing Pre-petition arrearage balance XXXX ( XXXX ). Better yet, remove this section from my statement altogether for pure accounting purposes and accuracy. Please provide a full explanantion for the outstanding balance shown for the Summary of Amounts Past Due Before Bankruptcy filing Pre-petition Arrearage updates. 

My next complaint is regarding Escrow ( Paid Year-to-Date ) balance showing on the mortgage statement in the amount of {$1100.00} as of XX/XX/2021. If I am paying monthly towards Escrow {$220.00}. Why is the total amount paid as of XX/XX/2021, {$1100.00}? This is an error and the correct amount should be {$2200.00}. If you multiply {$220.00} x 10 = {$2200.00}. Also, the XX/XX/2021 mortgage statement shows the Escrow ( Paid Year-to-Date ) balance amount of {$1100.00}. But, the month of XX/XX/2021, it was reduced to {$1100.00}. Why? There is something flaky going on with New Rez accounting and managing of customers payments. Also, why is there a {$150.00} fee charge on my account? What is this about? Please provide a full explanation for the total amount paid this year for the escrow balance and this fee charge. I look to hear back asap for an accurate update to my mortgage account. 

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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is wrong and 2 previous addresses are not mine
Product: Credit reporting or other personal consumer reports

I was applied for a loan with the mortgage broker the problem is I found too many problems on my credit report is the reason I sending this report and ask for help to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( discover financial services XXXX  ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Consumer Loan

Reporting incorrect information in regards to payment due payment history and total amount due
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax on multiple occasions about fraudulent inquiries on my report and I get no where I dont even see the things on my report that I did apply for they are very rude and unprofessional and will not help you to prevent or fight fraud
Product: Vehicle loan or lease

Wilshire Consumer Credit Account Number XXXX On XX/XX/2024 I filled a complaint since Wilshire wrongfully repossessed my vehicles due to no payments which the payments were sent. please see the attach where they're giving false information in regarding the loan to affect me financially,.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this due to the non compliance with Transunion, XXXX XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold the law.
Product: Money transfer, virtual currency, or money service

went  to US Bank  they said it is a bad cashiers check and went to  XXXX  to let them know of the fraud.
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. 

XXXX XXXX XXXX {$52000.00} XXXX XXXX XXXX {$25000.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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
Product: Bank account or service

Bank of America attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated " physical address '' information, where requests were made through email. My wife and I have been Bank of America customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors, not to mention jeopardizing our relation with those creditors. Secondly, my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother, who is in her XXXX, is currently with her sister on travel, helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE, ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear DEPT OF EDUCATIONXXXX I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW XXXX. DEPT OF EDUCATIONXXXX {$1200.00} - ACCOUNT # - XXXX XXXX. DEPT OF EDUCATIONXXXX {$2000.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been continuously disputing with XXXX, XXXX, trans union, concerning reporting/displaying invalid information on my credit report, the company refuses to provide accurate information regarding to student loans on my report, i have informed them countless times to provide me with the original instrument of indebtedness used by XXXX in order to even put this information on my credit report, this false information was original reported in XXXX i was not of age to consent to such action, as the required age is XXXX. XXXX, XXXX, trans union all reported inaccurate information from credit acceptance, and refuse to follow the law and remove account from report.They allow debt collectors to put anything on reports without actually investigating the matter properly.violation 15 U.S. Code 1681s2, Prohibition ( A ) Reporting information with actual knowledge of errors 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. One items was removed liability, inconsistent score across all 3 bureaus causing adverse action, oppression, hardship to consumer
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. 

Please delete the following accounts. 

XXXX XXXX  Balance {$1200.00} XXXX XXXX {$0.00} XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$810.00} XXXX XXXX  Balance {$27000.00}
Product: Credit reporting or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below XXXX ) account name : XXXXXXXX XXXX XXXXXXXX The account listed above is currently a closed account and that's more of a reason I want that account to be removed off my credit reports
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 XXXX XXXX over 719XXXX has me at a score around 590. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I'm having a problem with Huntington Bank I called in and updated my address for my new car to be shipped and this is my second time updating my address they never sent my card to the first address that I have one file which is my mailing address so by me not getting the card I called in again and gave him my current address or I just moved that they shipped my card and when I try to activate my card they told me there was a hold placed on my account so I called in and spoke to a supervisor the supervisor told me he see the problem with my account and the problem came from an employee at Huntington Bank where there was a hold placed on my account by one of Huntington Bank employees not putting the notes in the computer they are asking me to fly back to Kentucky just to walk in the branch to show me a photo of my ID to get my account back and I just spoke to them letting them know that I just had a XXXX child and that I can't make it back to Kentucky at the moment so everyone I'm speaking to his being very disrespectful the calls are recorded and I don't feel like I should be going through this XXXX because of a error made by the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo refuses to own up and face their responsibilities of inflicting pain and suffering to millions of pick-A-payment victims that were so systematically duped by a nefarious and deceitful loan product that to this day Wells Fargo continues to vehemently stand behind. Although the premises of my continued compliant was that Wells Fargo is not reviewing my then current 2010 financial crisis situation and assess whether or not the then 2010 modification offered to me at the time was in fact sufficient enough in providing the necessary relief that was not only needed in order to not default, but that was of the relief offered to other modification applicants with similar financial hardship. With that said Wells Fargo has not adequately investigated or addressed the inadequacies and deficiencies of a 2010 Loan modification offered to me during my most dire time of need. The modification offered was subsequently rejected by me due again to the fact that it provided no sustainable relief as it only place the amount owned/rears onto the current terms of then pick-A-payment loan # XXXX rendering the modification destructive and only self-serving to Wells Fargo as it would have protected Wells Fargo from any legal actions against them had i agreed to the terms and signed their proposed " Modification. '' Please note that a copy of this complaint has been forwarded to Florida 's District Attorney XXXX XXXX for their investigation as the proposed loan modification did not come close to meeting the modification relief afforded to all pick-A-payment class action suit home owners victimized.