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

RE : XXXX XXXX  XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Mortgage

We have made all our mortgage payments on time but suddenly lender started saying that we were 3 months behinds and asked us to make up at one time. We tried to talk with our lender and ask our lender to show which months mortgage was and were missing but no answers. At the same time, our lender has started to refuse our regular mortgage payments for more than 10 months up to today and we dont know how to deal with this. 

What do we need to do at this point? Do we need to go to court to resolve this issue? 

Thanks! 

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

Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from XXXX. It indicated that a credit inquiry was made. ( XXXX/XXXX    XXXX, FLXXXX ( XXXX ) XXXX ) However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card on XX/XX/2020, was told that I don't have any existing credit account on my Equifax Account. I have checked with all of my credit issuers, and they're indeed reporting to Equifax. 

I called Equifax on XX/XX/2020, and was told the same thing and to fax/mail my documents to verify my identification, and was told that it should be received within 3-5 business days. 

I faxed over my SSC and DL on the same day. In fact, 3 copies in case one of them is lost. 

On XX/XX/2020, I called back Equifax 2 times to check the status. The first call confirmed the documents are received on XX/XX/2020, but the call was hung up later. The second call got escalated to a manager, who also confirmed the documents are received and read me my cover letter of the fax ( which is correct ), but they can't help me at the time because it was late and the specialists of the relevant department are already off work. I was given a confirmation number XXXX and told to call back again the next day. 

I called again on XX/XX/2020. 3 times in fact. None of the specialists who picked up the phone says they can find my document ( the one I faxed over ) nor the confirmation number that was given to me. Explanations were not provided and 2 of the calls were hung up. 

It is absurd that Equifax asked me to fax over my documents again when they have already received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account reported to Experian, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balanced {$XXXX} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 Any 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: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing inquiries when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following inquiries listed below which are reporting inaccurately due to erroneous credit report entries, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law I also attached here a new FTC report with reference number XXXX. Please remove the following inquiries as they are unauthorized & were opened without my consent or knowledge : 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. If you claim these inquiries are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these inquiries which bear my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Debt collection

The company is Mercantile XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX COLLECTING for XXXX XXXX XXXX They claim I owe them around XXXX, this is not my debt and I didnt authorize or ask for this credit card. Please remove debt
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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

They call every hour on the hour, they dont leave messages so I dont know who they are calling for. While Im aware of my debt, I wont answer a call unless I know who they are and who they work for. Ive called the companies multiple times about my debt and was told they cant work with me. Yet I received text messages constantly saying they are willing to work with me. XXXX XXXX is where most of my debt lies, Im aware of the issue, but calling constantly and not giving me information about who they are is a problem. When they leave a message its vague and say this is going to directly impact my life. Now they constantly call on unknown numbers that I can not trace to verify authenticity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. JPMCB - CARD SERVICE ( Opened XXXX. XXXX, 2013 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB - CARD SERVICE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

I paid Spiral Recovery Solution Debt collectors and they never took the balance out from the debt
Product: Student loan

Most of the student loan on the account are closed. Most of the account are more the. XXXX years old. The account was closed after more than 11 years being forced into forbearance due to poverty level and Navient sky rocketing interest rate. The student loan that is XXXX XXXX XXXX that trade school filed bankruptcy and have not been around for more than 10 years. 

I was told that after 10 years of forbearance and shut down of school or college, the student loan account are closed and dropped from your credit report. On XXXX it shows the account is closed why not XXXX.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$210.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

I have many charges I did not make on the credit card and called Citi Card fraud department. Many of the charges are in dispute with the exception of XXXX XXXX XXXX  charges. I called the fraud department 10 times since XX/XX/year> trying to get this resolved without success. Ever time I get the same answer we will get this taken care of. Nothing has changed.
Product: Checking or savings account

I was a victim of a scam used thru XXXX. I reported the issue to JP Morgan Chase and they are unwilling to help me. I have been going back and forth with them since XX/XX/2022. I have sent emails to the ceo and all personel in the executive office and was told " theres nothing we can do ''. I need a solution to get my money back. What actions can I take because this is unfair.
Product: Credit reporting, credit repair services, 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, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX, Account name XXXX XXXX Account name : XXXXXXXX XXXX XXXX, Account name : XXXX, Account name 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 Any 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle XXXX 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

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the US DEPT ED/XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) First, all of this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple inaccuracies and deficiencies in my credit report. The issues involve potential misinformation, non-compliance with reporting standards, and failure to maintain the accuracy, completeness, and timeliness of data as mandated by the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specific Items in Dispute : 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  Issues Identified : Incorrect, inconsistent, or unverifiable reporting across multiple data points. 
Failure to substantiate negative items with confirmable evidence, including inaccuracies in credit inquiries. 
Non-compliance with requirements for maximum possible accuracy and completeness in reporting. 

Requested Resolution : I request : 1. Immediate removal or correction of all disputed items.

2. Confirmation of compliance with federal and industry standards.

3. Written evidence from a qualified individual verifying the accuracy of all reported information.

Impact : These errors have resulted in unjust denials of credit and increased financial burdens due to unreasonable interest rates. 

Thank you for your attention to this matter. I seek a prompt resolution to avoid escalating this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : DP OF EDUC XXXX 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 this item of information Any 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: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit that I owe a balance of over {$7000.00} from an apartment complex XXXX  years ago. Ive gotten into contact with the apartment and they made a mistake. They told me I do not owe any money and my account has a {$0.00} balance. They sent me an updated invoice of {$0.00} owed as of XXXX XXXX. Ive tried disputing this account with the documents provided and have gotten no where.
Product: Debt collection

I have received multiple emails from this collection agency claiming to be an agent of XXXX Upon further research, I found that XXXX is a payday lender that may have opened a loan in my name as a result of identity theft. 

This collector has made no attempt to contact me via mail ; rather, it is sending emails. I do not know if this is a legitimate collection agency. If it is, the notice must be provided via mail so I may have the opportunity to make a debt validation request and dispute the debt on the grounds of identity theft.
Product: Checking or savings account

On XX/XX/2023, I received an email from my bank Truist about suspicious activity on my debit card for a transaction amount of {$2100.00} from a restaurant in XXXX. I had been in XXXX at the time but did not recognize the charge and called my bank immediately to report it as fraud. 
Upon calling, I was told that the merchant initially tried to charge my card for {$2100.00} which was denied. Then, my card was charged a slightly lesser amount of {$1800.00} which went through. 
I don't understand why Truist allowed the second charge to go through when they deemed the first charge of {$2100.00} from the same merchant as suspicious. 
I submitted a claim for a fraudulent transaction with Truist and provided the bank with all the information as requested. My claim was, however, denied by Truist.
Product: Credit card or prepaid card

On XX/XX/2023 we got a text asking for authorizing of purchase we supposedly did on {$10000.00}. We ( my wife and I ) replied No, we did not buy anything from a shop at XXXX, XXXX XXXX, CA. To make sure that they got the message, I called them same day and reported a fraud, talked with Wells Fargo rep XXXX. In 3 business days, I found that this charge is added onto my account despite the text " No '' and called to warn them same day. I opened a dispute and called again and again I was assured that it will be resolved and removed from my account. Three days later nothing was done and I called one more time to Wells Fargo and talked with a manager XXXX, again I was assured that the charge will be removed and investigation had started. Within two days I received a letter from the Wells Fargo, what stated that if I would not call them, they will drop the dispute. I called them again on provided ph XXXX, talked to XXXX XXXX and he assured me that they are doing investigation and will remove the charge soon. As of XX/XX/2023 ( close of the month on the CC account, the charge is there and nothing changed. 
We have 2 more credit cards and never had anything like this before, despite the fact that wrong charges or not delivered goods happened there also and it was corrected within 2 business days. Please help, XXXX XXXX