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

There is an ongoing matter that I am unable to solve on my own after many attempts with the credit reporting agencies XXXX, Equifax, and XXXX, regarding the following accounts, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have written several dispute letters, all sent via certified mail with proof of delivery. I informed the aforementioned reporting agencies of the many inaccuracies listed on my consumer report. I pointed out several inconsistencies of information reporting between them as well. I also enclosed my consumer report with each of these disputes, and made sure to point out each and every error that I noticed by circling and or highlighting the disputed information with an explanation provided. The reporting agencies have not responded to me, nor did they remove any of the disputed items above. I do not believe they are taking this matter serious, and are fairly addressing the matter at hand. I have no indication that any true or reasonable investigations has taken place. 15 U.S. Code 1681i details the rules and procedures that the reporting agencies are to follow when accuracy is being disputed. They did not follow these rules. Secondly, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states that because I have a reason to believe that information being reported in inaccurate, the financial institutions are not to furnish such disputed information onto my report until it can be verified. The furnishers above continued reporting during each and every dispute process. Lastly, I have no idea how these financial institutions were able to gain access to my personal information. Per 15 U.S. Code 6801 and 15 U.S. Code 6802, my private nonpublic personal information is not to be shared with nonaffiliated third parties without my expressed consent, which I never gave them! The law states that these financial institutions must clearly and conspicuously disclose to me and provide me with the option to opt out of reporting. I was never given this choice! This is a clear case of identity theft! I do not see any attempts to protect the privacy and confidentiality of my information per Congressional findings under 15 U.S. Code 1681 ( a ) ( 4 ) and 15 U.S. Code 1681 ( b ) " Reasonable procedures ''.
Product: Credit card

On XX/XX/year>, I received several notices from Discover Card services that my personal information had been found online, as part of their identity protection service. 

I reviewed the messages and the results did include some of my old addresses and phone numbers, along with the last XXXX digits of my social security number. This is expected. 

Along with those results, there were XXXX additional results with a strangers name, address, and phone number, along with the same last XXXX digits of her social security number. 

I have reported this to Discover customer service, but have yet to receive any reply.
Product: Mortgage

Can you please remove the late payment from my credit because I want to make a purchase but I cant buy it due to the late payment when I couldnt make the payment I had a lot of things going on and thats the reason I wasnt able to pay it off but I have paid it off already please can you help me with this thanks the late payment was XXXX/XXXX/23 After that I already paid everything well thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I looked I looked at my credit report, and it brought on a tre, mendous sadness.I have been feeling down XXXX XXXX  lately.this is harmful to my health and a defamation of my character. I found evidence that your organization didn't double check for accuracy before reporting it.in accordance with section 1681e ( b ) ( b ) Accuracy of a report of the United States Code 15 usc when a consumer reporting service creates a report of an individual, they are required to take reasonable measures to ensure the data is accurate as feasible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Experian Dispute Division po box XXXX XXXXXXXX XXXX XXXXXXXX FTC Case # : XXXX CFPB Complaint # : [ Insert if applicable ] Subject : Dispute of Fraudulent Accounts and Request to Update Address Dear Experian Credit Bureau, I am writing to formally dispute fraudulent accounts on my credit report and urge the immediate correction of my address on file. Despite prior efforts, these inaccuracies persist and have significantly impacted my credit score and financial standing, including a recent denial for a home loan due to a lowered score in the XXXX. 

I am a documented victim of identity theft, as verified by the attached notarized Affidavit completed in the presence of law enforcement. I have also filed a complaint with the FTC and CFPB to document this fraudulent activity. 

Fraudulent Accounts and Inquiries to Be Removed XXXX Accounts : XXXX. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} Account # : XXXX Fraudulent Inquiries & Dates : XXXX XXXX : XX/XX/XXXXXXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and remove inaccurate or unverifiable information within XXXX  days. The accounts and inquiries listed above are unequivocally fraudulent and must be corrected immediately. 

Failure to resolve disputes regarding fraudulent activity has previously subjected Experian to legal judgments. XXXX examples include : XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : XXXX awarded damages for failure to remove fraudulent accounts, which caused severe emotional distress and financial harm. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian held liable for failing to adequately investigate and remove inaccuracies, leading to financial damages. 



XXXX. XXXX v. Experian Information Solutions , Inc . 

Outcome : Experian ordered to pay punitive damages for negligently allowing erroneous information to remain on the plaintiffs credit report. 




I request that Experian : XXXX. Immediately delete the fraudulent accounts and inquiries listed above. 


XXXX. Update my current address to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


XXXX. Provide a corrected credit report free of charge to reflect these changes. 



If Experian fails to comply, I will be compelled to seek all available legal remedies, including filing a lawsuit for actual, statutory, and punitive damages as permitted by law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide updates on your investigation. 

Sincerely, XXXX XXXX Enclosures : Notarized Affidavit of Identity Theft FTC Complaint Documentation Copy of ID
Product: Debt collection

I made a my XXXX payment to LoanMe on XX/XX/XXXX. The due date was XX/XX/XXXX. I have a confirmation of payment received. LoanMe has contacted me every day since XX/XX/XXXX multiple times a day to collect the payment. I have explained to multiple employees that the payment was already made and confirmed and I still continue to receive calls from them trying to collect the payment.
Product: Mortgage

In XX/XX/XXXX, we contacted Ocwen Loan Servicing to apply for a Deed in Lieu of Foreclosure. We completed all the necessary paperwork, and received documentation that asked us to vacate the premises completely by the end of XX/XX/XXXX. We removed our belongings and said goodbye to the home. We did try returning for forgotten items, and the door had been kicked in, the locks had been changed and work had been done to the deck on the home. When we called Ocwen, our loan was no longer in the mortgage department, and the Loan number changed. Our calls went directly to the Short Sales department, even though we applied for a Deed in Lieu. The house was listed on the real estate market, as evidenced by a google search on the home, as well as, a friend of a friend was trying to purchase the home around XX/XX/XXXX. The sale to him was not complete due to what he explained as " the bank did not register the deed ''. We then began receiving phone calls again from Ocwen with no real explanation of what happened, other then the DIL was never approved. We felt our process had been completed, we had left the property and not entered it for well over a year. This XXXX will be 2 years since we have put foot in the home, and yet we are still being held accountable for late fees, etc. 
i recently obtained a lawyer to see if there was any way to get back into the home and was given an opportunity to have a trial modification. This amount was not affordable for me at this time. We are then left with a short sale option, or another DIL option. There has been over 20,000 dollars worth of charges added to our loan balance since we left the home. Because we have been out of the home ( at the insistence of Ocwen ), we have lost any ability to rent or sell it. We do n't even have an ability to enter or use the property. There is also currently damage to the deck that has taken place during this time. We feel the bank made an error, perhaps the loan was sold, and that is why it went to short sales, and the loan number changed. We also feel as though some of our rights as homeowners have been violated.
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 CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times. And reporting discrepancies. My financial institution Zelle failed investigate my claims adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. 

update my information and remove this incorrect data my name is 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Payment for balance of {$6100.00} was mailed by check on Friday, XX/XX/XXXX. According to the online account, check payment was not received as of Friday, XX/XX/XXXX. I contacted Capital One and they said they had not received it, it was not in their system. I made an online payment on Saturday, XX/XX/XXXX assuming the check was lost. On Monday, XX/XX/XXXX my account shows both payments were received, the check on XX/XX/XXXX and the online payment on XX/XX/XXXX. I contacted Capital One again and was told there would be a 15 day waiting period, plus 7-10 days to mail a check for the over payment. I was given the incorrect information that the check was not received, when it was actually posted on the XXXX. Now I have to wait 22-25 days to receive the refund check, which is unacceptable. I sent the second payment, based on wrong information provided by Capital One, now they are refusing to send back the over payment in a timely manner. Both payments were cleared from my bank, there is no reason for a hold.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Department of child support has inaccurately marked adverse action on my account. I attempted to communicate with the division of child support, and the representative initially did not even know that child support is on a credit report. They then proceeded to tell me that they could not remove the incorrect adverse action, but would provide a letter of good standing if I needed it for any purpose. It is not legal or fair to keep inaccurate adverse action on my account, and it is not realistic to expect that I can provide a letter for every circumstance in which I need my credit to work for me. I filed a dispute with Experian and XXXX XXXX, neither of which removed the adverse action and they claim The account to be verified and accurate, but are unwilling to provide method of verification. I cant imagine how they wouldve verified such information as child support has acknowledged to me that the information is incorrect. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. This is not the first time that I have experienced this with experience, as a previous dispute regarding XXXXXXXX XXXX XXXX was also marked by them as correct and verified but then subsequently removed after XXXX found it to be unverified and deleted it. 
This action reflects a concerning pattern of non-compliance and negligence, which directly undermines the integrity of the dispute process.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to the credit bureaus challenging incorrect accounts on my credit reports. They not complete their investigation in 30 days and I have not received the results of their investigation. The incorrect accounts are still reporting on my credit report and nothing has been done to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out three times over the last three years, requesting information be suppressed, that were made on my account fraudulently. I complied with all FCRA guidelines, regarding what I needed to send in, including, but not limited to a identity theft report. The credit bureau has not acknowledged receipt of the suppression request ; have not given me a reason as to why the suppression has not been granted, nor communicated with me, within the legally obligated 4 days. I have certified receipts of the mail being delivered as of XX/XX/XXXX, 7-8 business days ago. This is the exact non-response from XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

I have an outstanding debt with XXXX. I have been making payment arrangements and making payments every pay day, missing one payment at XXXX. It is no longer being attempted for collections in the store but rather from somewhere else. This company calls me 3 times a day, every day, even after I have talked to them and they have verified that I have a promise to pay for the last payment, due on XXXX XXXX. I have told them that they are harassing me and they need to stop calling repeatedly, and they continue to call.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

We have no idea what debt they are trying to collect since we do not have any employees dated XX/XX/2020 for {$8700.00} and then a different amount.
Product: Checking or savings account

On XX/XX/2021, I checked my Available Balance in my Bank of America checking account - using the Bank of America mobile and web apps - at approximately XXXX PT. I confirmed that there were sufficient funds to cover an impending withdrawal of {$2400.00} from a check sent to my landlord. 

I later confirmed that the {$2400.00} in funds was withdrawn successfully from my account, with plenty of available funds, leaving {$290.00}. This is still documented on my account, as documented in the attached screenshot of the mobile app. 

The following morning, despite more than {$4100.00} being deposited into the account, I learned that the check was " returned '' and an overdraft fee of {$35.00} was charged. 

After speaking with several representatives at the bank, XXXX ( XXXX ) confirmed that the bank erred in several important ways, and is clearly misleading customers about their available balances. XXXX confirmed that she would file an internal complaint on the following issues, and I stated that I would do the same. 

These issues are : Mobile and web apps - The bank 's own apps are providing incorrect and misleading Account Balances. The bank claims that, only on the web app, there is a separate area of the app that shows which checks have " posted '' and therefore, what the actual account balance is. This is incredibly misleading to average consumers, such as myself. I have been a customer of this bank for more than a decade, and this has never happened before. I have attached a screenshot which confirms that {$290.00} was remaining in the account after the check was withdrawn, proving that the check should not have been returned. 

Overdraft Fee - I was told that the Overdraft Fee can not be returned to me while " processing. '' XXXX confirmed that this is incorrect and she returned it to me. 

Overdraft Protection -My Overdraft Protection was linked to a closed savings account, yet I was not told this, so the checking account did not pull from the correct account when it needed to. XXXX confirmed that this is incorrect and misleading. 

Notification - I was not notified in a timely manner about the overdraft. XXXX confirmed that this needs to be corrected.
Product: Debt collection

Trying to buy a home. Ran my credit on XX/XX/XXXX and the XXXX  account came up. I called right away and paid. I need a letter of deletion and this removed from my account to buy my home they said to file through this website and XXXX   would allow it to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XXXX of 2021, myself and family members got sick with XXXX XXXX. I was not working for close to 3 weeks, without pay. Durning that time frame, I spoke with Upgrade and they put me on the hardship program. I was to pay roughly about $ XXXX monthly. While I was on the program they understood I was going through a difficult time and was trying to keep up with my bills. Within that time frame I began to fall sort on many of my bills, and was unable to keep up with the monthly payment. As of today I have only two late payments reported to my credit report that is sadly effecting me in life. Im currently trying to move and get a new place before my lease gives out and the two late payments is causing me much distress.
Product: Credit reporting or other personal consumer reports

My social is incorrect with transition I have not applied for any cars, homes, etc I have been involved in over 3 data breaches. I have also received settlements from 3 banks due to them and still awaiting compensation for others