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

You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX credit record ( # XXXX ) 3. XXXX XXXX XXXX   credit record ( # XXXX ) 4. XXXX XXXX XXXX  credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed a copy of my XXXX credit report and noticed that there is a item as follow : - - Account Name - AR RESOURCES INC- Account number- XXXX. Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number - XXXX XXXX .This is inaccurate in my credit report and I was shocked that I have been a victim of identity theft. This has hurt so bad as I am in the process of buying a home for my family. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

At approximately XXXX XX/XX/2018 I recived an email from XXXX XXXX regarding Hard Credit Inquiry for something labeled as " Khols/CapOne ''. I did not apply for any credit recently and I am confident that this is fraudulent activity. 
I attempted to dispute the Hard Inquiry online with XXXX  but they did not have an option to dispute a hard inquire. I need to do what I can to dispute the Inquire, it is negatively affecting my credit and I'm concerned over further fraudulent activity. I would like an investigation so I can take proper measures to insure my credits safety and security. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exhausted all of the traditional means available to resolve this issue. I have a serious issue with Wells Fargo and its credit reporting to a settled account that has no balance. I am trying to purchase a home but I am unable to move forward because Wells Fargo is incorrectly reporting me past due on an account that I have settled with them. No monies are owed. I filed disputes with the credit bureaus and XXXX just concluded the dispute with their being no change to the reporting. It has been over four months now since I settled this account. 

I need this account to report correctly and report that no monies are owed and nothing is past due. Please review the attached correspondences directly from Wells and the results from a dispute with XXXX.
Product: Credit card

I received a call from CITI bank telling me their fraud early warning system detected suspicious activity on my credit. The left the toll free number XXXX and gave me a reference number, XXXX. I called and was told the reference number involved recent purchases on my card. I told her I had no credit cards with CITI. She said one had been applied for this month. I said I had not applied for any card. 
She proceeded to ask for my social security number, date of birth and full name. I am very uncomfortable about that now wish I had not. But I also do not want my credit affected because I did not comply and the account remained open and charges are falsely reported to affect my credit rating. 
She insisted she had closed the credit card account, that a letter would follow, and a report would be made to credit reporting agencies. 
I assume this was all legitimate, hopefully, but I am irritated at the approach CITI Bank uses. They really do not need confirmation of my social security number and birth date to help them close this account. At a minimum, they could read off my social security number and birth date and ask for confirmation. At least under that approach, I would know they already have that information, whoever they are.
Product: Debt collection

I received a letter in the mail today XX/XX/XXXX, from the MiraMed Revenue Group, LLC, claiming they represent XXXX XXXX For a date of service of XX/XX/XXXX. My husband called the MiraMed XXXX XXXX ) and asked them what this was about. They wanted extra information about me, so my husband told them that we are thinking they are trying to run a scam to collect money. That we have never done business with this XXXX. We also contacted our health care insurance and they told us any medical bill that we have not received for a service that is over a year old does not need to be paid and the insurance company will not pay on it either. That all medical groups know this. So that is why we feel a scam is trying to be run.
Product: Credit card or prepaid card

Initially, I received a text on my XXXX from a company named PENFED Credit Union, that I've applied for a cc but they can't check my credit history because my files are locked. ( Thank goodness I had all three locked and frozen ). A couple of weeks later I get a letter in the mail from PENMED Credit Union, dated XX/XX/2023, thanking me for my recent credit application. But upon attempting to access my credit information, they received a notification that my credit information is locked. In order for them to perform their credit review processes, they will need access to this information. And then they asked me to go to XXXX and unlock it. That is when I called my ID protection through XXXX. XXXX directed me to their resolution center XXXX. It is now under investigation with XXXX. 

While on the phone with XXXX  restoration specialist, she called PenFed to report. Pen Fed has written a report and sent it to their security department.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or aboutXX/XX/XXXX, a dispute was put in related to XXXX XXXX reporting over the balance and causing a decrease in FICO score. This month XXXX XXXX has made another such internal and external component error for failing to remove from the balance as an adjustment on fraud charges. XXXX XXXX has increasingly target me and the only such financial institution that has reported to Experian to decrease my credit score in an effort to have me remove from obtaining Federal Student Aid with the Government. This is a discrimination effort on their errors to do harm. I have file on their errors and their customer service in the Fraud department are RUDE and Abusive. I received a call from the XXXX XXXX   headquarter that told me two weeks ago that an investigation will accrue on calls. Their agents use the phone to harass and treat me as though I had no education and was a " XXXX ''. The harassment by their continued reporting to harm my credit is very damaging and unfair. The company need to investigate the agents involved in this harassment.. Please investigate! ...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus granting TransUnion permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
Product: Mortgage

A few years back around 2010, my home was falling into foreclosure. While fighting this process with my lawyers, Ocwen assured me a {$40000.00} equity that was taken out on my home would be forgiven and they wrote it off as a " loss ''. Because of this I agreed to refinance with them to keep my home. When the deadline rolled around I felt immense pressure to sign the paper work to not lose my home. My loan was originally around {$230000.00} after everything was signed and finished my loan was now around {$270000.00}. They took what they said was a " loss '' and " forgiven '' and added it to my mortgage to have me pay back. I believe this to be unfair practice and possibly illegal, but my lawyers at the time were dragging their feet and not knowing of any other agency to help me, this fell on the back burner. Every month when I pay my mortgage it eats me up inside because I know its not right. I came across an article in the TIMES and know this is exactly what Ocwen is doing to everyone.
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 XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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

This Account Doesnt belong to me please remove : creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS PLEASE REMOVE THANKS
Product: Consumer Loan

I am writing to dispute Santander Auto Loan. This account was never late. On XX/XX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for Santander to delete this account as it has never been late, but yet they refuse.
Product: Credit reporting or other personal consumer reports

I was approved for student loan forgiveness. I already recieved information regarding the deletion. The loan still shows open and owing and I was advised in XXXX  it would take between 6/9months to be closed and deleted. Its now 3years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. Unverified Inquiry XXXX  Date of inquiry : XX/XX/2021 Please Delete Immediately. 2. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO EXPERIAN SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT THAT HAS CAUSED ALOT OF STRESS ON MEAND MISSED OPPORTUNIES .THE LATE/MISSED PAYMENT REFLECTING FROM MY TWO CREDIT CARDS XXXX, XXXX XXXX AND XXXX XXXX ALL FROM XXXXXXXX XXXX XXXX XXXX.THIS A DEFLAMATION TO MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from
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. 
Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXAccount # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX-Account # XXXX Account Name : XXXX XXXX XXXX-Account # XXXXXXXX Account Name : XXXX XXXX-Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I pulled my credit report and noticed Fraud Accounts on my report. Its is doing damage to my credit report and lively hood. I need the fraud accounts removed.
Product: Credit reporting or other personal consumer reports

these companies do not belong to me. 

SYNCB/ XXXX XXXX  ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX  ( OPENED XX/XX/XXXX ) ( 2 ACCOUNTS ) XXXX XXXX XXXX  ( OPENED XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles when handling disputes, particularly in light of the recent lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution Regions and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these findings was infeasible. There CFPBs 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. The 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

XXXX XX/XX/2021 took an additional inquiry on my credit report I wasnt aware of and I want the inquiry removed from my experian credit report, but I have no way to notify expierian on the issue, they keep changing phone numbers, the credit services online are behind a paywall so I cant use the functions to help me if there are any, and when I do get the right number they have a voice automated system that sends you in circles to avoid talkin to live customer service reps.