23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HOPE THIS FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY XXXX XXXX, EQUIFAX AND XXXX. 

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : 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 I UNDERSTAND THAT XXXX XXXX XXXX AND EQUIFAX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT ALL PARTIES INVOLVED. 

ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT XXXX, XXXX AND EQUIFAX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT THE CREDIT AGENCIES PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR XXXX, EQUIFAX AND XXXX XXXX  COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that were made without my knowledge or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has converted my police reports to XXXX numeric codes which then are sent to the debt collectors. The debt collectors are not receiving the detailed police investigation documentation to remove the accounts. Instead the accounts are coming back as 100 % verified and accurate which they are not and violate the rules under 609 for 100 % complete accuracy of the investigation. 

Detective XXXX XXXX XXXX XXXX XXXX Police has finalized the police reports the files are permanent and no additional police reports will be issued therefore I am requesting the CFPB to get involved in this matter. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my Equifax credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Product: Checking or savings account

I attempted in XXXX of XXXX to pay my mortgage directly from my payroll to Wells Fargo Bank NA which was identified as the third party that would receive payment for XXXX ( yes, that XXXX ) DBA XXXX XXXX. 

The funds were not credited by XXXX XXXX which has prompted a 10 month wild goose chase to try to recoup these funds. 

I have provided a Letter of Indemnity twice to the fax number provided by Wells Fargo in order for them to investigate my claim and go into the account to recoup my funds. 

Wells Fargo has not acknowledged receipt and has not made contact with me regarding the disposition. I would really like the {$1300.00} returned.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handing 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: Debt collection

This company " Portfolio Recov '' calls me daily using a bevy of different phone numbers. I 've read that they are a collection agency. We have absolutely no past due outstanding debt. There is no reason for them to be calling me and I want it to stop! My understanding is they are scammers who try to collect fraudulent debts from unsuspecting people.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/year> I contacted Equifax to remove an XXXX XXXX XXXX. I successfully passed the verification, uploaded my drivers license, took a selfie and had no issue. The representative was very helpful and advised she removed the alert. 

The next day, I no longer saw the alert on my credit report ( myEquifax ) but my lender was getting the same error message that there was an XXXX XXXX XXXX preventing him from accessing my report. 

I called again and another helpful representative assisted after verification. It took awhile longer and he stated he needed to remove notes in order for the alert to be fully removed. Once the call was complete, that lender was able to successfully access my report. 

Today I attempted with another lender and they received the same message. Although, on my end I do not see any fraud alerts. I called Equifax at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) again and was answered with poor customer service immediately. He sent a link, I passed the automated verification process successfully ( uploaded drivers license and selfie ) yet he advised my name shows XXXX at the end indicating that XXXX XXXX XXXX XXXX. This is the reason why the lender can not pull my report. 

I advised that I dont see any incorrect spelling on my credit report and he stated it said XXXX XXXX XXXX XXXX I asked him how am I supposed to dispute an inaccuracy that I dont have access seeing. In a matter of 10 days I have incorrect information on my credit report and he could not explain why. I told him the lender is getting a message about an XXXX XXXX alert, not an error about mismatch names. He said there was not an alert on my credit. 

This raises 2 issues : - Why would a completely different lender receive the same error regarding an XXXX XXXX XXXX, yet Equifax states there isnt one on file nor do I see it on the consumer end. 

- It is apparent theres information the bureau has that is not accurately being reported to the consumer. As the consumer, how else am I supposed to know they have an incorrect spelling or name on file. Especially after uploading my DL, taking a selfie, and successfully passing the electronic verification over the phone. Shouldnt I have failed verification if my name didnt match? 

The representative would barely let me ask questions by cutting me off and telling me to send my ID. I asked him who reported an incorrect name, as it wasnt incorrect a couple of weeks ago. I have no new accounts, no accounts listed that wouldve reported that. The representative stated he didnt know who reported it. As a consumer reporting agency, why would they allow a company to report any name/spelling and not update the information for the consumer to have the opportunity to dispute? 

Ive attached the following : Screenshots of what the lenders are receiving while pulling my report. 

The personal information I see on my end. 

The information showing I dont have an alert on file, yet Equifax XXXX the only bureau rejecting my report be pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting these accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX A ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX USA XXXX XXXX ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( XXXX, XXXX, and Transunion ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Product: Credit card or prepaid card

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One. 

Capital One is intentionally slandering my credit by placing false fraudulent charge off status date information onto my credit files, as well as false information regarding balance owed information. 

I am attaching a copy of my most recent credit report, and the credit report shows, that Capital One, is falsely claiming that I had a credit card account with them that they charged off in XXXX of XXXX, and that is false fraudulent information. 

I have had no dealings with Capital One since around XXXX of XXXX, and all of the statistical payment data that they have placed onto my credit files is inaccurate, fraudulent, false, and made up. 

Capital One has doctored up their statistical data on my credit files, so as to make it seem as though I had dealings with them in XXXX, as well as XXXX. 

On my credit file, under comments, where they are claiming that this information has been investigated, and is complete, that is a lie, if it were investigated and complete, this false fraudulent debt would not be on my credit files. 

Capital One is also claiming that I owed a past due balance to them in XXXX of XXXX, in the amount of {$570.00}, and all of that is false information. 

I am disputing the {$570.00} that Capital One is claiming that I owe to them, I did not, and do not owe them that money. 

Capital One has maliciously ran up this credit card account with fraudulent fees, and charges, and I want all of this false information removed from all of my credit files, and I would like hard copy proof on their letterhead that, that has been done. 

I want Capital One to cease and desist from contacting, and harassing me. I want all of my credit files corrected, and if they have passed on this false information to any collectors, I want that information removed from my credit files, as well. 

Any communication, Capital One can communicate with the CFPB, and the CFPB can contact me.
Product: Debt collection

Over the past few months, I have received countless calls from unknown and random numbers. When I answered the call, it is a computer voice saying that my social secruity number has a debt collection on it and I need to call a number. When you call the number, the person that answers asks for your name and social secruity number. Obviously, I thought it was fake and I didn't give them my person information. Over the weekend I received a XXXX alert saying that I had a debt collector after me. XXXX XXXX   provided me the name of the debt collector, Hunter Warfield. I called the company and talke to an extremly rude person that told me I was lying ( I told him I didn't have outstanding debt and I wasn't sure what this was all about ) and demanded my social secruity number. Again, I didn't give him it. I did give him my first and last name and the last XXXX of my SS. This gave him enough to tell me my old apartment complex, XXXX XXXX XXXX, filed for a debt collection because I apparently didn't pay to break my lease ( which I 100 % did pay on time ). The guy at Hunter Warfield told me to fax them proof of payment, which I just did. I have an email confirmation from XXXX XXXX on XX/XX/29 saying I payed the full amount and it also shows I have a Zero Balance. Now what? XXXX XXXX XXXX inaccurately reported debt information on my credit report. A debt collector has been harrasing me for months now, they have been disrupting my work life, and they really disrupted today 's work. I felt compelled to reach out to the CFPB because I don't have the money to get a lawyer and now I am worried that my credit has been negatively impacted. I also don't know if I this is settled now that I have shown the debt collection company that I payed.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, 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.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : 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

I reached out to you all in XXXX about accounts on my credit that is not mine. This has really become frustrating all Im trying to do is help my mom and this is has become like a stick in the road. Can you please take these accounts from my credit and I will look at other options. 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 , DPT ED/XXXX XXXX, US DEP ED. I contact the FTC and local police.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report report and noticed numerous fraudulent accounts on my report that I did not authorize on there. An account with XXXX XXXX XXXX XXXX XXXX {$36000.00} opened XXXX ; XXXX XXXX XXXX XXXX {$15000.00} opened XXXX ; XXXX XXXX {$13000.00} opened XXXX ; XXXX XXXX XXXX  XXXX {$4400.00} opened XXXX ; XXXX XXXX {$4100.00} opened XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$3900.00} opened XXXX ; XXXX XXXX XXXX XXXX {$2600.00} opened XXXX ; XXXX  XXXX {$880.00} opened XXXX ; XXXX XXXX XXXX XXXXXXXX {$860.00} opened XXXX ; XXXX  XXXX XXXX {$660.00} opened XXXX ; XXXX  XXXX XXXX XXXX {$500.00} opened XXXX ; XXXX XXXXXXXX XXXXXXXX  XXXX {$440.00} opened XXXX ; XXXX XXXX XXXX XXXX. XXXX {$81.00} opened XXXX
Product: Credit card or prepaid card

In XXXX charges started occuring on a weekly basis for XXXX dollars from XXXX on a card I had the account details stored on the XXXX XXXX XXXX on my phone. I noticed this when it was time to pay the XXXX bill. I immediately called Citibank about it and they said they would investigate. I also contacted XXXX and the charges were refunded to me. 3 weeks later I get letters from Citibank saying the charges from XXXX were legitimate according to XXXX XXXX because they had my e-mail address ( well of course they did they accessed my XXXX XXXX account ). The charges were from an app ( that is no longer available on the XXXX XXXX XXXX XXXX XXXX  ) and recurring on a weekly basis for XXXX dollars. I nor my wife have any idea what XXXX XXXX XXXX is my kids never installed any app that uses coins and surely not at a rate of XXXX dollars a week. The funny thing is these hackers tried using old expired cards that were still stored on that account first and those charges of course didn't go through. Citibank has sided with XXXX on the matter and considers the issue closed.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account, CAPITAL ONE, ACCT # XXXX, but it is being reported on my credit report. It has leads been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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: Student loan

I have made payments on this loan every month. The statements continue to reflect a past due amount. I called in XXXX and was told there was a system error that caused my payments to not be applied properly and that a request would be made to remove the past due amount. I called again today XXXX and was told my account was credit for {$310.00} several times and I have never made a payment in that amount ever. I have only paid {$310.00}. This lender is delaying credits to my account causing me to pay more interest, they are causing me to have to request them to fix an error in their own system that I would have no knowledge of, and they are not letting me talk to a supervisor without a call back. The rep told me she could not wait for more than 4 mins for a supervisor per company policy and I would have to accept a call back. This is an error they caused. Their website does not display information in a helpful manner to determine payment history. Not one portion of my payment has been applied to the principal only interest.
Product: Debt collection

In XXXX of 2016, I noticed that Midland was reporting this collection account on my credit report. I sent a letter asking them to validate the debt. They returned a letter saying they were unable to understand the nature of my dispute. I responded in a letter in XXXX, summarizing my first letter and once again asking them to validate the debt. I only received bills and settlement offers, never validation. I again requested validation in early XXXX. They failed to provide validation as required by federal law.
Product: Debt collection

I was send to collections because of two unpaid medical bills I received a while back. 
I received the bill late because the post office was slow due to the pandemic and also they sent it to the wrong address. These medical bills was paid. I had XXXX in 2020 and had received more than one medical bill. Hospital, doctors, surgery and so on ... once I received the bill in question, I thought it was part of the other ones. I ended up paying it but they sent me to collections and my scores decreased by XXXX points. They have two different accounts on my reports with the same amounts of {$130.00} totaling {$260.00}. I need these removed from al three credit reporting agencies. I work for the Government and can not have a low score. I never had any collections in the past and my scores was over XXXX. Now it dropped down to XXXX. Also with the CaresAct collections are not allowed to report negative accounts due to the pandemic. Read below!!! 

Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic. The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. 

The Bureau previously issued a statement informing lenders they must comply with the credit reporting requirements of the CARES Act. Today, the Bureau released FAQs that will help ensure that consumers receive the credit reporting protections required by the CARES Act. 

The FAQs address the credit reporting requirements of the CARES Act, including considerations for furnishers when reporting consumers as current as required by the CARES Act. The FAQs also clarify that reporting that a consumer is affected by a natural or declared disaster is not a substitute for complying with the CARES Act credit reporting requirements. In addition, the FAQs address the Bureaus guidance that provides temporary and targeted flexibility in the event CRAs or the furnisher experience challenges as a result of the pandemic in investigating consumer disputes. All CRAs and furnishers remain responsible for conducting reasonable investigations of consumer disputes in a timely fashion. The Bureaus statement makes clear that the Bureau expects CRAs and furnishers to make good faith efforts to investigate disputes as quickly as possible.