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

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been dealing with the identity theft from my XXXX XXXX for a while now, she opened accounts under my name without my consent. I need to have these items removed
Product: Credit reporting or other personal consumer reports

I requested from the three major credit bureaus XXXX, XXXX, and Experian to remove incorrect reporting of late payments and charge offs and collections and Bankruptcy mostly coming back updated as undefined or remains the same. Some of the late charges were removed and not long they reappear back on my consumer credit report. This is unfair. This is hurting my credit.
Product: Checking or savings account

On XX/XX/19 I deposited a check for XXXX from my husband account the funds cleared on XX/XX/19 was told there was a hold on the check because its a new account I deposited a new a check on XX/XX/19 for XXXX the bank is holding my funds and is refusing to give me my money and both checks cleared on the account it was written on.
Product: Debt collection

collector e-mail me lawsuit calls to mom and dads cell XXXX times. collector has violated XXXX XXXX XXXX FOR THE LAST TIME. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

i dont trust experian equifax or transunion to do a proper investigation i have lost faith in their system no im not a credit repair agency do not send me any stall letters like youve been sending my many friends noone wants to dispute by mail anymore now do a proper investigation on the attached letters
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Please correct the items from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

The statement total is XXXX $ higher then what my charges reflect. And then for current month they are saying I spent another XXXX when it's only XXXX. And they're referencing a {$15.00} credit as the holdup. They're overcharging. Do I get to sue them too?????
Product: Credit reporting or other personal consumer reports

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. 

THIS ACCOUNT WAS PAID OFF ( NOT IN DELINQUENT ), XXXX REPORTED INCORRECT HISTORY, DID NOT INCLUDE THE GAP COVERAGE, UPON RETURNING THE LEASE AT THE END OF LEASE AGREEMENT. EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.
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 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 has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, North Carolina XXXXXXXX Navient XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX Certified Mail Receipt # : XXXX It whom it may concern, I agree to pay the following financial obligation regarding account numbers # : XXXX, XXXX, XXXX and which I might lawfully owe on one condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both NAVIENT AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I have two accounts with First National Bank Omaha { FNBO } and have been repeatedly calls me several times a day from 25 or more different numbers with different area codes. I have at least 25 numbers documented and saved in my mobile device. The scheme of changing their number to contact me is both annoying and harassment. If they would stop and only contact via one number I may be more willing to answer the call or make myself available to answer. This tactic needs to stop and I ask that you intervene.
Product: Mortgage

I have applied for a short sale multiple times. Each time, the servicer has advised they " didn't get to our request '' until the very last day their timelines allow, and they declined our application for missing documents that we were never notified of. This has happened twice so far, and each time the " missing document '' is something that does not apply to us. I have received no missing document letters and my real estate professionals who call in repeatedly are told that there are no additional documents needed, until the very last day they are told something that wasn't requested is missing and there isn't enough time to request it, so they have to just decline our application and we have to start over. The first time, SLS advised the missing document they failed to tell us about was a letter of damages to the property, of which we were never previously asked for. The second time, they advised the missing documents were pay stubs, despite the fact that we do not hold employment. My real estate agent 's office was told on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX that we had no missing documents for our short sale. Then, abruptly, on XXXX we were told that the processor had just determined later on XXXX that we were missing pay stubs and the file had to be immediately declined because they ran out of time to let us know. Again, there are no pay stubs to provide as we are unemployed. Our file was declined unjustly and in error for SLS to cover up their own short comings on the time it is taking them to review loss mitigation requests.
Product: Debt collection

I paid off all of my debts in XXXX of this year. During the summer, I started receiving multiple calls everyday from Allied Interstate, even after I blocked several of the numbers they called from. I asked them to verify the debt amount and source to no avail. I told them I have no debts on my credit report ( other than federal student loans which are currently in deferment ). The information was still refused. They also keep referring to me by my maiden name which has not matched my SSN or DL for two years now. I have no idea why they are calling and would like them to stop.
Product: Credit reporting or other personal consumer reports

Improper use of my credit reports under 15 usc1681-604a section2 Dates back from 10 years ago XXXXnow These companies keep reselling my credit reports once its sold its not my debt they keep misusing it
Product: Credit reporting or other personal consumer reports

Hello, i have recently challenged the errors on my credit report, and notice there were multiple accounts that were not corrected. These accounts were UPDATED and VERIFIED, but they still reflect false information on my credit file. I sent a letter to the credit bureau explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner. I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

XXXX ) XXXX XXXX XXXX  Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX  Account XXXX XXXX ) XXXX Account XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please help assist me with the Credit Bureaus direct violation of my rights. The incorrect information is causing financial distress for me and my family and its unfair. Thank You
Product: Credit card or prepaid card

I have a dispute with a service from XXXX XXXXXXXX XXXX I disputed it with Discover in a timely manner. Discover has gone back and forth on this for several months, and now they say they have information it is a proper charge. I have not received any of the documentation, and also, Regulation E requires disputes to be resolved within two billing cycles. The 2nd billing cycle would have expired on XX/XX/XXXX, and Discover has made this decision on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with Transunion they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court XXXX XXXX XXXX XXXX XXXX per exhibit A which is a letter directly from The courts proving that Transunion reported a false and inaccurate item. Per the bankruptcy court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DP OF EDUC XXXX {$12000.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company XXXX XXXX XXXX when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show XXXX XXXX XXXX XXXX was paid with NO LATE PAYMENTS ever! 

This was disuputed 3 times in a row with Transunion and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. 

This is impacted our credit and ability to purchase a home.
Product: Credit card or prepaid card

I feel like I am being penalized or retaliated against by Wells Fargo since I had complaint about the original checking/credit account opening beginning in XX/XX/2021. As recent as XX/XX/2021, my credit monitoring alerts indicated WF  again has another checking/credit open under my identity. They closed one and attempted to open another.

In addition, the WF fraud department sent me a slew of documents dated on XX/XX/2021 to be NOTARIZED by me or they threaten to leave the accounts open and will assume it was made in good faith. Why don't they make the person who is trying to open the account notarize the application? Why do I have to pay for a notary service to stop them from opening fraudulent accounts. Keep in mind that I had already put a fraud alert and froze all of my credit reports. The letter also stated that they could not reach me by phone, but I had called them several times regarding the fraudulent accounts. 

Called them XX/XX/2021 with Claim # XXXX, other case # given XXXX and two more times after this. 

I even went into a local branch ( XXXX XXXX nmls : XXXX ) so they can verify my identity : XXXX I had filed an earlier case that was closed on XX/XX/2021 and was referred to WF Fraud department. 

Subject : Concerns received from the Consumer Financial Protection Bureau Case # XXXX Wells Fargo Case ID : XXXX, XXXX and XXXX Account ending in : XXXX I don't understand how a large financial company can even open an account without properly checking a person identity and when the identity is in question, force the victim to identify himself or they would leave the account open. It's mind boggling. 

I attached the letter from WF fraud department stating that I must notarize my identity otherwise they will assume I had authorized the credit card application. I also attached my monitoring alerts showing WF is again opening credit/checking account in my name fraudulently. This is blatant fraud and blackmailing.
Product: Credit reporting or other personal consumer reports

My Chex systems consumer report continue to contain fraudulent information. I never opened a bank account with XXXX XXXX bank ending in XXXX or did any business with that bank. There are also numerous inquiries on my Chex systems report from XXXX XXXX and banks. They are from XXXX credit, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and axos bank. I dont know who have my information but they have been trying to open accounts in my name.Also someone continuously trying to log into my XXXX account. Please take this serious and delete all information regarding my concerns.
Product: Credit reporting

I paid off an XXXX XXXX account XX/XX/XXXX the original dedt was from XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX BAT T XXXX XXXX XXXXOpen XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. XXXX BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY XXXX : XXXX : ACCT INFO DISPUTED MEETS XXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTIR : XXXX XXXX SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX called me, not on a number listed on my card or the website, to let me know that my account was past due. I hadn't received any letters regarding this and let the representative who called me know that I was going to be making a payment on a specific date. When I went to make the payment, a few days later my credit report was updated with a late payment notification.This all occurred in XXXX and XXXX. 


I also asked for a late payment of XXXX XXXX to be removed as the same incident happened with them, again with noprevious history. They referred me to the credit card company who then referred me back to the credit reporting agency. It was just running in circles endlessly.
Product: Payday loan, title loan, or personal loan

I was told I was approved for a {$5000.00} personal loan. After I signed the Loan Agreement and sent a copy of my ID that they asked for, I never heard back from them. So I called the Lending Tree. When I spoke with a Rep he said he couldn't find a file on me. When I explained what had happened and gave him the information that was sent to me, he said it was a scam and that I needed to file a complaint and contact all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing on behalf of XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX Texas XXXX, to address a serious matter regarding the unauthorized and uncompensated use of his source data by XXXX Continues to report two separate capital once card, one capital one auto finance, XXXX XXXX  and XXXX XXXX XXXX  account without proper authorization and validations and against federal laws not performing proper investigation into securities fraud, improper use of private information without authorization and identity theft
Product: Credit reporting or other personal consumer reports

Inaccurate, still reporting late the account was charged off.

15 U.S. Code 1681e - Compliance procedures
Product: Debt collection

XXXX XXXX XXXX XXXX debt, l was paying my bill on time and good standards until XXXX made payment at branch in XXXX md and said did not get payment and went bank to bank and told play cameras bam and refuse?? So stop making payment and hire XXXX to dupuste matter and write off as bad debts and file law suit XXXX XXXX court got judgements and take ssi out bank account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments on my account from XX/XX/year> to XX/XX/year>. These payments were inaccurately reported as late due to circumstances directly related to the CARES Act, specifically in regard to financial hardship I faced due to job loss during the COVID-19 pandemic.They are hurting my credit restricting me to obtain credit. Under the CARES Act, financial institutions are required to offer assistance for those affected by COVID-19-related hardships, including job loss. As I was directly impacted, I requested payment relief and was under the assumption that my account would be protected from negative reporting during this period. Despite these conditions, late payments have been reported to the credit bureaus for the above-mentioned months. I kindly request that you investigate this matter and correct the reported late payments. Please take the necessary steps to ensure my credit report accurately reflects the agreed-upon payment deferral.I expect confirmation of the removal or correction of these late payments within 30 days, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that this correction has been made. 
Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.
Product: Debt collection

XXXX  XXXX  convergent outsourcing XXXX opened XX/XX/XXXX reported XX/XX/XXXX amount {$1100.00}. I had emergency to come up where I had to move immediately. I packed of XXXX XXXX  equipment and contacted them and told them to come pick up the equipment at the location in which it was installed. They said they would come pick it up but never showed up. I contacted XXXX XXXX again and told them i have the equipment packed for someone to please come out and pick it up off the porch because I have to leave the location due to an extreme emergency they agreed. From my understanding they were suppose to come and pick it up and if they didnt it is on them for agreeing to pick up their property on time.