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

Hey I took a look at my credit report and it shows inaccurate information on my credit report. It say account a last active XX/XX/year>. I would like you to investigate the inaccurate information. It show wrong payment history and Im look for debt validation letter for this account. Please remove or delete this account. 
XXXX  account is wrong and its hurting me from getting a house with my family
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  GA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Two companies are involved in what we suspect is predatory lending with a senior citizen in poor health and in debt. XXXX ) XXXX XXXXXXXX XXXX and 2 ) Dividend Finance. My mother was a senior citizen, XXXX XXXX XXXX and in poor health as well as struggling with XXXX. She was sold a 'top of the line " walk-in bath tub for {$23000.00}. The bath tub was installed early in XXXX XXXX XXXX Just a few weeks later, my mother passed away ( XXXX XXXX XXXX  ). She never used the tub. In XXXX XXXX I was granted court approval to handle her affairs as the Administrator of her estate. My mother did not have the income to ever fulfil paying off this loan in her lifetime. She was on a fixed income, living in a house with a reverse mortgage and leveraged deeply with debt. We have asked Dividend Finance several times to supply us with a copy of the loan application and a credit report application that justified her being able to secure a loan for such a large amount. They have not complied with our request. We have attempted numerous times to reach a senior person in this company. We are directed to a different person every single time we call with no accountability or follow-up. They say they will call us back, but never do. They do not respond to emails and there is only one general service telephone number to call. When we call, we just get a first level customer service person who pass on messages. 

We have to believe this is part of their business model-to target elderly folks in poor health, as they know they will get their money post-mortem. Please Note : The Sales Rep from XXXX was aware of the squalid conditions my shut-in mother lived in. What protocols are in place for XXXX to determine that their customer is in good financial standing and sound mind to make such decisions on such an expensive purchase? We believe the XXXX Sales Rep also assisted my mother in completing the loan paperwork. There is a lot to question on how both companies conduct business. 
PLEASE NOTE I WAS UNABLE TO PROVIDE A LOAN NUMBER BECAUSE DIVIDEND HAVE THUS FAR REFUSED TO SEND US A COPY OF THE LOAN APPLICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 CRA 'S are wrongfully reporting several inquiries on my credit report that I do not recognize nor authorized. I am writing to inform the CRAs to delete these erroneous inquiries. As they are violating my consumer rights governed by the fcra. 

I am writing to file a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TRANSUNION, XXXX, AND XXXX. I believe that the CRA 's have failed to comply with several provisions of the FCRA in its handling of my credit report, including the following sections : Section 604 - This section requires CRAs to provide consumers with a copy of their credit report upon request.

Section 609 - This section requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report.

Section 611 - This section requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports.

Section 615 - This section requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

Section 617 - This section provides consumers with a private right of action to sue CRAs and other parties that violate the FCRA.

Section 623 - This section requires users of credit reports to provide notice to consumers before taking adverse action based on information in a credit report.

Under the Fair Credit Reporting Act ( FCRA ), Section 623 sets out the responsibilities of credit reporting agencies ( CRAs ) and furnishers of credit information with respect to the accuracy and completeness of credit information. Some of the relevant subsections of Section 623 include : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

The inquiries that need to be deleted are : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XX/XX/XXXX XXXX XXXX XXXX You applied for credit on XX/XX/XXXX XXXX XXXX Cred You applied for credit on XX/XX/XXXX space XXXX XXXX XXXX You applied for XXXX on XX/XX/XXXX transunion : XXXX XXXX BANK ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXXXXXX Balance {$0.00XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$1200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX WXXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX - XXXX XXXX {$3200.00} XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Inquiry XXXX XXXX. XXXX, XXXXXXXX XXXX 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 Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

XXXX store manager breached my contract and canceled the account I had within their computer and then refused to correct the mistake saying their computer would not allow the account to be reinstated. I went into XXXX to get two new phones and add them to my account. For some reason, the store manager ( by accident ) created an entirely new account ( XXXX was told by XXXX upon calling ) and canceled the current contract. I don't know exactly what happened because I obviously was not given access to their computer. Bottom line is they canceled the contract within the computer, my phone numbers eventually canceled out and that was when I realized something was wrong. XXXX breached the contract. I repeatedly tried to get the account reinstated and everything put back in place and XXXX simply said their system would not allow it after three months elapsed. Now they have reported the account to collections and put it on my credit report. I paid my current XXXX bill throughout the process.
Product: Debt collection

I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 





15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, 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, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX ) XXXXBalance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$700.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

Bank of America signed me up for a lifetime free checking agreement years ago. I have had an account with this bank since 1988. They have been charging me {$14.00} dollars a month fee and told me that they " changed '' the terms. This is NOT what the agreement stated when I opened the account. I have had rude customer services express that I am more than welcome to close this account if I am not happy, when I am requesting them to honor their agreement.
Product: Mortgage

To : Consumer Finance Protection Bureau. Mortgage complaint I have been overcharged {$96000.00} by SN Servicing, XXXX XXXX XXXX, XXXX, Ca. XXXX. 
I am a XXXX XXXX 

My accounting history is ATTACHED. The SN CEO, XXXX XXXX XXXX XXXX, XXXX XXXX and others REFUSE to have good faith discussions with me. 

I did a Qualified Written Request under the Real Estate Settlement Procedures Act and SN Servicing did not cooperate. 

I appealed this to the XXXX XXXX XXXX and the XXXX XXXX. The XXXX XXXX has marked this situation as SN Servicing being uncooperative ( notice ATTACHED ).

SN Servicing have bullied me by returning my mortgage payment check and putting me into foreclosure, even though I make all my payments on time. They are robbing me and silencing me. 

Please investigate this violation of my consumer rights. 

Sincerely,
Product: Checking or savings account

Back in XXXX, I received an offer from Regions Bank to open a savings account and fund {$2000.00} to receive a {$200.00} bonus.

I opened the account and added the {$2000.00} to account in the time frame required to earn the sign up bonus.

I waited for the {$200.00} to show up, but it never did.

I contacted the bank and they told me that I won't be getting the {$200.00} bonus because the {$2000.00} that I funded did not come directly from an outside bank.

No where in the terms in conditions states that " New Deposits '' have to come from an outside bank. They refer to " new balances '' but not " new deposits. '' I believe that their terms & conditions are purposely vague and misleading to prevent people from earning the bonus.

Therefore, I would like the CFPB to help me get the {$200.00} bonus.

I will attach a copy of the email promotion.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

I have contacted each credit bureau ( XXXX, XXXX XXXX and Experian ) multiple times within the last 10 months to try to get accounts verified and/or removed from my reports. I have sent them certified mail and have never received any documentation from Experian but they did remove some information. XXXX and XXXX XXXX claimed to have verified the accounts and there are still inaccuracies on all my reports. 

In accordance with the Fair Credit Reporting act, XXXX  Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX and Acct # XXXX. 

15 USC 1681 section 602 A, states that I have a right to privacy.

15 USC 1681, 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high XXXX 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, XXXX have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, XXXX XXXX, who has never raised my credit score went from XXXX to, as of today XXXX and Equifax who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX can see in my credit report the following hard inquiry : Company inquiry : XXXX XXXX Sales Date of inquiry : XX/XX/2023 Credit Bureau : Equifax
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 failed to investigate my claims adequately.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Based on information and belief this is not my account. I have continued to request for validation and verification but to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I logged into my Experian account to check my credit score. Two weeks later I am noticing a XXXX dollar charge for the most expensive subscription plan they have. No sign up page no notice I had no clue I was even signed up! This is deceitful and scammy and ridiculous way to do business. I don't even use any other features nor have I requested them. This is the SECOND time they have done this to me. Now I have to call them or snail mail in order to submit a complaint because they keep sneaking their XXXX subscription service onto people 's accounts. I get ONE FREE SCORE a year from them I shouldn't be AUTOMATICALLY subscribed to their expensive plan with no notice or information about it? What kind of invasive tactic is this?
Product: Credit reporting or other personal consumer reports

I am concerned that XXXX, Experian and XXXX are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX and currently now have XXXX credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my XXXX score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?
Product: Credit card

Spoke with XXXX XXXX on several occasions and requested remittance process for payments and 1099 C for Debt Cancellation. I continue to receive letters from there collection department refusing request to discharge debt. XX/XX/2024 received letter continue request for payment.
Product: Debt collection

XX/XX/2018 they keep calling every day sometimes three or four times a day.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems t04o 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that are reporting on my credit report are reporting inaccurately and I filed disputes for those accounts, and yet to have heard back from the three CRAs in the allotted time that the Bureaus give them to investigate.