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

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$3400.00} on the DP OF EDUC/FFEL PARTICIPATION INTERESTS partial account number XXXX. ( Please see pages 11 and 12 of the above credit report. ) I attended a private college in Missouri and had signed up for a course there. Circumstances changed and I dropped this course well within the time frame allotted to do so. When I discovered this collection being reported on my credit report, I immediately tried to contact the school to get some help to figure out what the situation was. I found out that the school has since been shut down. It no longer exists. I do not owe this and the incorrect reporting of a collection that is not verifiable is harming my credit score. Please remove these line items from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Mortgage

I received a letter dated XX/XX/year> - Payment Change Notice - Changes to your Mortgage Interest Rate and Payments Due on XX/XX/year> My loan is a Bi-Weekly ARM, Interest Rate changes every XXXX weeks and the payment gives me XXXX options. My minimum payment adjusts every 12 months. 

My current loan balance is just under XXXX. New Interest rate is 7.30 %, I do not disagree with this interest rate. My maturity date of the loan is XXXX/2034 and Wells Fargo is saying that I have XXXX payments remaining. Remember this is a Bi-weekly loan payments, I have a little of 10 years left on my loan. 

Now here is the problem- They are trying to tell me that my Principal Bi-Weekly payment starting XX/XX/year> will double to {$1100.00} plus interest. How does this even make any sense? {$1100.00} principal X XXXX payments = {$310000.00}. My loan balance is under {$120000.00}. Their payment calculation is more like a Monthly principal payment which is still $ XXXX. 

I am NOT going to start to make this payment on XX/XX/year>! This is NOT affordable since they are increasing my payment from {$800.00} to {$1500.00} including interest. My payment of {$800.00} included both Principal and Interest, I was NOT in a negative amortization situation! I was expecting my payment to increase since interest rates have gone up but not anywhere close to what they are saying since again my loan balance is under {$120000.00} and I have XXXX payments remaining! 

I called Wells Fargo and spoke to XXXX on XX/XX/year> who couldn't figure this out at all. She transferred me to XXXX who also greed with me. She was contacting the Wells Fargo XXXX department who couldn't give her an answer so she was supposed to call me back. I waited but no call. 
I called Wells Fargo again on XX/XX/year> and spoke to XXXX, he said that XXXX was supposed to call me back on XX/XX/year>. XXXX nor anyone called me back. 
I called Wells Fargo again on XX/XX/year> and spoke to XXXX. He also agreed with me that something was not calculating correctly. He tried to get XXXX on the phone back she was not in. 
XXXX now filed a dispute and issued me a XXXX # XXXX. Someone from the Executive offices should be calling me back no later than XX/XX/year> because XXXX is getting the same nonsense answer from the Adjustable department.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles 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 fail 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 or other personal consumer reports

I have recently noticed the unauthorised or incorrect information from XXXX creditor on my account applied which was opened on XX/XX/2022 and used transactions and made payments which where not done by me as the account was not mine i have no contact with the creditor from XXXX, i have submitted my dispute through experian but they say the dispute as verified and remains same. This had impacted majorly on my credit score and was unable to take mortage for home buying please help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted EXPERIAN via certified mail with USPS tracking Number XXXX ( received on XXXX ) REQUESTING AN EXPLAINATION OF METHOD, PROCEDURFE, OF VERIFICATION AND HOW THESE FRAUDULENT ACCOUNTS WERE INVESTIGATED UNDER FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) I ADVISED EXPERIAN SINCE I HAVE BEEN A VICTIM OF IDENITY FRAUD, ANYONE WITH ACCESS TO MY PERSONAL INFORMATION COULD EASILY PERPETRATE AGAINST MY WILL. I AM AWARE OF YOUR AUTOMATED E-OSCAR CODE VERIFICATION SYSTEM, WHICH ONLY VERIFIES SIMPLE PERSONAL INFORMATION. I AM ALSO AWARE E-OSCAR FAILURE TO COMPLY WITH FCRA 611 ( A ) 2 BY NOT INCLUDING ALL RELEVANT INFORMATION REGARDING MY DISPUTES TO THE CREDITOR BY REDUCING LEGAL CORRESPONDENCE INTO A TW0-DIGIT CODING VERIFICATION SYSTEM. 

EXPERIAN FAILED AND NEGLECTED TO RESPOND TO MY REQUEST AND CONTINUES TO VIOLATE MY CONSUMER RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. I HAVE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO EXPERIAN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit is on freeze status. On my XXXX XXXX XXXX XXXX XXXX reported an inquiry on my credit report which I did not apply for. 

Please remove immediately. Thank you.
Product: Credit reporting or other personal consumer reports

Ive reached out to all XXXX CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX. Along with several inquiries
Product: Debt collection

USAA XXXX {$21000.00} USAA XXXX {$16000.00} These accounts are reporting inaccurate on my credit report and I have been victim of identity theft I have provided all legal proof and documents to support my claim and I request you update your system and remove all inaccurate reporting items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

RE :  XXXX  and  XXXX  Credit Report    XXXX   XXXX    related creditors are still listed/showing on  XXXX   Credit R eporting what were included in a Ch  XXXX  over 10 years ago. The creditor  ( s )    XXXX  / XXXX  were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have  XXXX   XXXX   Court of Florida discha rge documents as well to substantiate my claim.
Product: Debt collection

I have been harassed at XXXX point daily for money I did not owe. I could not afford a lawyer and they took me to court even after never serving me papers or letting me know. I have time and time again disputed this amount as I do not owe it and it's a result of identity fraud that occurred. I have proof from the IRS that this happened and they refuse to acknowledge it and would rather threaten me and call members of my family in an attempt to collect a debt that doesn't belong to me and is being falsely attributed to me. 

They have also never once provided any evidence or proof that this is mine and have no way of certifying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently HAVE YET A received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction withabove listed account.I was saddened to learn that you FAILED TO verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) IGNORED MY REQUEST. I would like to see a complete list of all documents and correspondence with whom you obtain the account from. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Product: Debt collection

XXXX was sued by CFPB for not allowing modifications and for taking trial payments and not honoring or completing and responding to the borrower or successor in interest ( according to reg X and Z as amended recently in XXXX ). 
XXXX XXXX has a jugment that is NON COLLECTIBLE for many reasons the debt has been XXXX as of when it was issued with people who are not in title in XXXX. In XXXX ( see attached ) XXXX XXXX and XXXX XXXX were not in title to be able to encumber a property where they no longer have equity titltle. The title to XXXX XXXX was given in a special warranty deed to XXXX XXXX, who payed for her real estate contract for the pendency of the trial under the false pretenses that XXXX is going to do a assumption/modification of the ORIGINAL COUNTRYWIDE LOAN as per the origivnal real estate contract. Now hecomes trying to foreclose IN COURT AND COLLECT IN COURT WITHOUT A HEARING FROM A FEEBILE SENIOR XXXX YREAR OLD WOMAN ALL HER MONEY FOR 14 YEARS AND ATTEMPT TO TAKE HER HOUSE WITH LETTERS OF NOTICE OF SALE EVERY WEEK MAILINGS. You are makning us sick and I am so stressed that I had to flunnk from XXXX  schhhool and care for my mother now. She is harassed for a debt of another who made that debt with you on a second mortgage on XXXX WHAT makes you think you can foreclose a third person 's home for the debt that was made in XXXX in another person 's name and not even serve XXXX XXXX with a return of summons and a copy of teh NOTE YOU ARE REFERRING TO THAT IS A SECON LOAN. PROVE IT SEND THE NOTE TO THE PERSON YOU ARE TRYING TO COLLECT THE NOTE DO YOU THINK YOU ARE ABOVE THE LAW THE STATUTES OF NM REQUIRE THAT YOU HAVE A HEARING TO COLLECT XXXX XXXX XXXX FOR THE DEBT OF WHAT WE WERE TOLD ARE INVESTORS IN FLORIDA WHO HAVE ALREADY BOUGHT ANOTHER OTHER PROPERTY IN XXXX XXXX THE STATUTES OF NM SPELL YOU HAVE TO FORECLOSE WITH A HEARING ESPECIALLY WHEN THERE IS A DEED. YOU CAN NOT GO OVER STATUTE
Product: Money transfer, virtual currency, or money service

on XXXX XXXX my cell phone was compromised and I was not able to use my cell phone. During this time a transaction was made from my cell phone and a credit card was used to make a transaction through Pay Send ( A money transfer service ) in the amount of {$50.00} XXXX = {$100.00}. I have disputed the charge with my credit card company and they have stated that Pay Send provided information that the transaction was made from my cell phone. 

XXXX XXXX ( my cellular provider ) has informed me that on Friday XXXX XXXX my cell phone was in XXXX and at which time I was not in XXXX ( I dont have a passport! ). 

I did not make this transaction and I want this reported as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as o the civil liability and the remedy available to me (section 616 and 617) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, we reported to Experian credit bureau that my balance on my Visa account was not {$15000.00} USD, but the right amount was {$850.00} USD, what they did later was Experian deleted my Visa account in order to decrease my Credit score by about 100 points. They are doing this Maneuver to many people as we read on the Webside. Thank you for your help. We hope someone can stop this injustice of this major credit bureau.
Product: Credit reporting or other personal consumer reports

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 15 USC 1637 ( b ) 15 USC 81057 this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 USC Code 1666b billing error never was late please update account to paid on time Please update account to 100 % accurate.
Product: Checking or savings account

I lead a nonprofit group and we mailed a check to a specific volunteer ( through XXXX XXXX ). Someone intercepted that check somewhere between it being printed and before it was delivered to the intended recipient, and it was deposited in a different person 's bank account with no signature. 

Chase should never have accepted that check deposit and our account should not have been charged, as it was clearly stolen and fraudulently deposited. I have the check back photographs clearly showing other checks we have sent to this volunteer that were correctly deposited and this fraudulent deposit looking completely different.

Chase seems to think that somehow fraud regulations don't apply to XXXX XXXX, which is patently untrue. I have spoken with them multiple times and they refuse to do anything, so I am hoping you can help hold them accountable to their own policies and federal regulations. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Letters to the CRA on these Dates : XX/XX/2020, XX/XX/2020, XX/XX/2020. 

Amount : {$2000.00}. 

I am writing this due to non-compliance with the Credit Reporting Agency -Experian XXXX They have failed to remove information that was affiliated with this account that was challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. As a victim of a data breach, these items were fraudulently opened or accessed without my authorization. 
Fraudulent Accounts XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1700.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$5500.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$3700.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$820.00} ) XXXX. XXXX  XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$7300.00} ) XXXX. XXXX XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$1700.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$160.00} ) XXXX. XXXX XXXX  XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1500.00} ) XXXX. XXXX ( Account XXXX : XXXX, Open Date : XX/XX/XXXX, XXXX : {$2300.00} ) XXXX. XXXX XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2700.00} ) Fraudulent Inquiries XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXXXXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 Fair Credit Reporting Act. Right to Privacy! I have never given Equifax, XXXX or XXXX XXXX my authorization to sell or obtain my private information. 
Victim of the XXXX XXXX Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX 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 request a credit freeze/block/pin for XXXX, XXXX, XXXX  and Lexis Nexis
Product: Debt collection

This collection showed up on my report out of nowhere. I disputed it on XXXX  and it was removed but then they put it on my XXXX  and XXXX. I don't owe this money and they know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached document affidavit of truth. My notarized copy was sent certified mail and I have proof of my return receipt that it was sent and received and I havent received a response in the allotted time and Im requesting they send my {$1000.00} for violation of my rights.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report today and discovered a hard inquiry from several companies. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit.

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 that you post on a credit report. Also, my information was part of a data breach with several companies XXXX XXXX XXXX XXXX, XXXX XXXX ). 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response. 


Unauthorized inquiries : XXXX XX/XX/XXXX XXXX Employees Credit A XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have requested multiple times a breakdown of charges. To date the only thing provided is the total balance. I have a right to get a breakdown of charges. I want to know what the total interest vs fees vs actual usage is on the card. I keep going through this process and its not getting me any closer to a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.