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

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX Account Name : XXXX XXXX, Their Address : XXXX XXXX XXXX FL XXXX XXXX, FL XXXX Phone number XXXX and Account # XXXX Account Name : XXXX XXXX XXXX, Their Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number XXXX have 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: Checking or savings account

I sent the letter below and ask XXXX  to send a validation letter confirming the accounts belong to me.
Product: Credit reporting or other personal consumer reports

loanmart upon being unable to provide letter of guarantee for a loan started making hard inquiries every few days on my credit report in 2021 when they allegedly are services for XXXX. XXXX  then intentionally added false information to my credit report by marking it current with XXXX paid and balance due added to original balance keeping it in appearance a current account avoiding charge off regulations and XXXX  method of verifying its in compliance they continued to do this monthly after being contacted by me then charged it off while I was attempting to take out a home equity loan then marking it 180 days late then current now paying to destroy my loan and harm me financially then sent several suspicious encrypted a mails I didn't open fake settlement offers and continued to do this until reaching an outrageous amount impacting me financially and emotionally violated my rights and are basically commuting strong armed robbery. This was intentional deliberate and I have more a mail and reports verifying. They. Feel comfortable doing this to XXXX veterans in America this is financial terrorism and I'm sure there are others who have been destroyed like this I was injured defending this country who's defending me from this. I'm I.n distress financially and mentally
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized hard inquiries that have appeared on my Transunion credit report. Upon review, I identified the following inquiries that I did not authorize : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Date of XXXX I did not initiate any transactions or credit applications that would have warranted these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several inquiries and one account on my credit report that I never opened. The account is from a company called XXXX XXXX XXXX XXXX and the inquiries are from multiple companies all of which I am not affiliated with in any way. The account & inquiries listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened a few times in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards the account mentioned above. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized inquiries & account.
Product: Checking or savings account

I am on hold with BMO Harris trying to take care of Id theft. Yet again call already over 20 min everything with this bank is harder and slower than need be absolutely all the time NOT 2 min ago they froze my money market for no reason while I filled this out
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}
Product: Checking or savings account

I have noticed that since XX/XX/year> a specific merchant that I was making regular purchases thru has been over charging me and also making many unauthorized charges to multiple bank accounts that I have used to make purchases. They have shared my banking data with their sister companies and in return all XXXX companies have double charged or triple charged me. They have charged my different accounts under their XXXX sister company names for the same transaction. Which I never gave authorization for them to do neither was it mentioned in the terms or conditions that they would have access to such banking data of mine. 
On XXXX XXXX Venmo issued me a {$1400.00} ( not exact amount ) notice that I needed to repay for not enough funds to cover those payments made to this particular merchant and their sister companies. I refused to pay it knowing this was not true. I tried to submit documents to verify my stance on the situation but maybe it was the wrong documentation. That when I thought I had found the right documents they refused to look any further and closed my account. They took my {$2000.00} direct deposit on XX/XX/XXXX to cover the - $ XXXX overcharges. 
After that I had a {$900.00} I believe overdraft and they took that as well. Then most recently Im now - {$600.00} ( not exact amount ) and they want that too. I have statements that I paid for the services the merchant is trying to claim I owe. The issue here is the sister companies are trying to collect money from me from multiple accounts under their sister companies name. When in fact I paid the initial transaction and should have gone to XXXX and not XXXX XXXX XXXX XXXX XXXXXXXX. This has been ongoing with no explanation given o me by XXXX. They have remained consistent with their resolution which is to contact my bank and make an unauthorized transaction report which has resulted in some disputes being honored while many are denied by Venmo.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XX/XX/XXXX TransUnion Attn : Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Immediate Action Required : Letter of Authorization Dear Sir/Madam, I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX, KS XXXX , demand that TransUnion promptly remove the following inquiries from my credit report, as they are unauthorized and beyond my knowledge : Inquiries to be Removed : - XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXXf XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) - XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) - XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  ( XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) Additionally, ensure the following accounts are accurately reported and remain open : Accounts to Correct/Keep Open : - XXXX # XXXX ( XX/XX/XXXX ) {$2300.00} - XXXX/XXXX  # XXXX ( XX/XX/XXXX ) - XXXX  - XXXX Furthermore, the following account must be removed immediately as it is not mine : Account to Remove : - XXXX XXXX # XXXX ( XX/XX/XXXX ) {$32000.00} Never late : XXXX # XXXX On XX/XX/XXXX, my credit score unjustly plummeted from XXXX to XXXX. I initiated multiple disputes and submitted my revised FTC/Identity Theft complaint. Despite my 30 years of diligent credit monitoring and expert legal assistance, I am experiencing discriminatory treatment from TransUnion due to my status as a middle-aged XXXX  woman. This situation constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries, along with the creditors who initiated them, must be expunged from my profile. TransUnion 's prior investigation failed to address these issues adequately and violated my rights under the FCRA by dismissing my concerns and siding with these creditors. It is unacceptable for TransUnion to suggest that I " should have known '' about these accounts. Upon discovering them, I promptly disputed them. 

TransUnion 's bias towards paying creditors over consumers like myself is evident and infringes upon my rights to correct errors on my credit report. Immediate correction of these errors is mandatory. Please also confirm the accuracy of the XXXX accounts as listed. 

Your prompt and decisive action on these matters is not only expected but required by law. 

Sincerely, XXXX XXXX XXXX XXXX Note : The FCRA 's statement-of-dispute provision does not mandate specific language or forms for consumers to request the addition of a dispute statement. The responsibility lies with the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX Laws Dear LVNV FUNDING LLC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically South Carolina Code Section 16-13-490. 

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX state law, specifically Section 34-11-110 of the XXXX XXXX  Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as XXXX XXXX Code Section 16-13-490, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 34-11-110 of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal protest against the veracity of the data in my most recent credit report. Upon closer inspection, it appears that the report contains a number of errors that have had a negative impact on my credit history. 

The credit report has revealed a significant departure from what was anticipated, which is an extremely unsettling finding. 

Being aware that the Fair Credit Reporting Act requires credit reporting companies to provide the most accurate information possible is your responsibility as a consumer. Due to the potential harm they may cause, these errors may make it unjustifiably difficult to obtain credit on fair terms.

Given these errors, I humbly ask that a new copy of my credit report be sent to me after the necessary corrections have been made. a truthful assessment of my creditworthiness. 

I'm sure you'll approach this situation with the utmost professionalism and diligence. I place the utmost importance on the accuracy of the data in my credit report because it is essential to my present and future financial security. 

I really appreciate you paying attention to this. We greatly appreciate your quick action in correcting these errors. At your earliest convenience, kindly provide any updates on the state of this disagreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, and to whom it may concern, I'm still having difficulties with Equifax regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the XXXX week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.
Product: Mortgage

In XX/XX/XXXX I approached CitiMortgage, Inc. with a request for a Short Sale on a home they are serving the mortgage for. The loan is owned by XXXX. Citi had a realtor go out to the home on XX/XX/XXXX and told me that the realtor set the home value at {$160000.00} " as is ''. We had a buyer for the home sign a contract to purchase at this price. The home was not able to go to closing on the sale until a later date so Citi had to have get another home value set in XX/XX/XXXX. Citi said that this time the as is value was set at {$280000.00}. We set up a closing date for XX/XX/XXXX, and that morning, 19 minutes before the XXXX closing, the Mortgage Negotiation Specialist sent the realtor an email saying the home could not be sold for less than {$280000.00} even though they had given prior provisional approval for the sale at {$160000.00} which only pending the closing occurring so the closing statement could be sent to them. I was sent copies of the Valuation Information Detail Reports for the XX/XX/XXXX valuation and the XX/XX/XXXX valuation, and noted that the reports gave conflicting square footage and values, and that the second one said my home was at XXXX, XXXX, when it is truly in XXXX, XXXX, and that is over sized the home by nearly XXXX square foot from the true square footage. When this was brought to the attention of Citi by me in email and telephone conversation they said I could request copies of the Broker Price Opinion Reports that their Valuation Information Reports were drawing information from. I did this, and found that Citi had not corrected reported the values set by either Broker, and that there was no mention of {$280000.00} in the second Brokers report nor any mention of my home being a " subject property '' in XXXX, over XXXX miles from where my home truly is. The buyer withdrew interest to buy my home when asked such an unreasonable and unsupported increase by Citi. I told Citi it was their fault this occurred and I am suffering damages financially due to Citi 's errors and false values set to require on the sale of this home. Citi agree to have third valuation done, and it was completed in XX/XX/XXXX. This third valuation report said the home is only worth {$140000.00} " as is ''. Citi refuses to tell me how the value was set for {$280000.00} they demanded the home sale for in their staff 's XX/XX/XXXX email to the realtor, and now my short sale options are limited as well as I have lost the opportunity to complete the sale as planned in XX/XX/XXXX while the Federal Tax forgiveness was still in place.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Debt collection

A gentleman from this company called me in an extremely threatening manner saying he was filing a lawsuit on me tonight for a balance from a XXXX for {$190.00}. This debt is 5 years old and they had been sending me notices to an address I have not lived at for 5 years. I explained that I do not have that kind of money at the time, but would be willing to set up a payment plan. He said no, either you 're paying the balance or I 'm filing a judgement and you are paying court costs, too, in a VERY threatening and hateful tone. This man scared me, quite frankly!! I want something done about this, as I am in tears now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed some fraudulent inquiries on my credit report that I did not authorize please remove it immediately.
Product: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal cellphone account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned cellphone account opened at XXXX. This account have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account and collection reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Mortgage

LoanCare, or XXXX. Not sure who the company even is. My loan was sold to them from XXXX, who I was happy with. Now, I am having issues making payments. I had to call 3 times in one day just to get the person to assure me that the loan payment was scheduled. I was then rudely told " I am not sure what you 're seeing on your screen, but this is what I 'm seeing. '' I was then hung up on. That was the second call. The third call, I requested to speak with a supervisor, and was told " none are available. '' Seriously?? I am contemplating refinancing my loan in order to get away from this horrible company. Something needs to be done, and investigation, something. These people are horrible. Never again will I do business, or recommend this company. I will also not recommend or do business with XXXX, not after having been sold this way. My spouse and I are combat vets, using our VA loan for this house, and this has been a horrible experience. Unnecessarily rude and incompetent.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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 XXXX  findings indicate that zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving others vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.