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

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

XXXX placed XXXX collection accounts on my credit reports ( XX/XX/XXXX ) ) before the debts were properly verified. I did not receive proper service regarding the alleged debt prior to its placement on my credit report as well as they filed judgments against me putting liens on my home. I was served lawsuit papers in XXXX of XXXX which again, was before the debt verification. I have disputed these accounts several times and they came back as accurate and updated. Account balances and payment history had to be updated as there were several inaccuracies. XXXX has also placed the judgments against me with incorrect balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late 2021, I had tried to remove all public records information from all the major credit bureaus such as XXXX, Transunion, XXXX after I was told that the Bankruptcy office doesnt report personal information of any kind to the credit bureau and that the credit bureau uses outside resources to rely on their information which may stand a chance of being inaccurate According to 1681b Permissible purpose of consumer reports ( I never gave any company permission to publish my credit history )
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud and found some accounts in XX/XX/year> that were not my accounts. I disputed with the company but never got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I complained to XXXX when I closed my account with them that I was disappointed with their service. I was told that I would not owe any early termination fees as I was outside my early termination period. I have since then received a phone call and XXXX letters, all from different debt collection agencies, requesting I pay an early termination fee or they 'd report it on my credit report. I instructed all XXXX debt collectors that it is not a debt that I owe because I was told there would be no early termination fees because I was outside my contract term. XXXX of the debt collection agencies did place it on my credit report which I had to fight to get removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE REPORTING DIFFERENT DATES OF RECENT ACTIVITY AND DIFFERENT DATES OF DATE OPENED INCORRECT STATUS ACCOUNTS OPEN SHOULD BE CLOSED MEDICAL BILL JUST SHOWING UP TO DROP MY SCORE DIFFERENT AMOUNT OWED
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$330.00} Late/Closed Inquiries in Dispute : XXXX XXXX XXXX  XXXX, XXXX NOT included in Dispute : XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX : {$17.00} XXXXXXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$5.00} XXXX
Product: Checking or savings account

I opened an account with First Citizens. I used my credit card to fund the account. I used my debit card for a few transactions at XXXX and set up direct deposit. Then a month or so later, they randomly closed it on me citing XXXX. Nothing has changed on my XXXX report since I opened my account. I used my account for transactions as designed and they closed it making my debit card not work and locking me out of paying rent with it right when rent is supposed to be due. 

When I signed up, I signed up under a promo for a XXXX dollar bonus. They then closed the account after I met the conditions of the bonus. No doubt because they didn't want to pay the bonus. That's a good way to offer bonuses for accounts : you offer bonuses to attract customers, then those who meet the requirements you close their account so you don't have to pay out, and keep those that fail the requirements. Get free accounts without paying a cent. Very unethical.
Product: Mortgage

XX/XX/year> PHH mortgage company denied me for a loan modification and are demanding {$19000.00} Cash to reinstate my mortgage and I do not have {$19000.00} cash I offered to give them three month payments. They told me no they need to fall XXXX cash. 

I dont have that kind of money. I dont know what Im doing because I cant lose my home. My husband is totally XXXX and the only XXXX working. We have enough money to pay mortgage we XXXX mortgage company and take the XXXX and put it on the end of the loan because we do have equity at our home and they said no, so we can keep her home. 

I sent them copies that I can afford my monthly mortgage payments and they denied me for a loan modification. 

I am not having financial difficulty and I/we can pay our mortgage. 

The State of XXXX XXXX denied my mortgage assistance help and I immediately informed PHH mortgage of this and on XX/XX/year>, we received a letter from PHH mortgage stating that they can not offer us a modification. 

I have been trying to work with PHH mortgage company and I provided PHH Mortgage Company with information from the State of XXXX XXXX  homeowners assistance programs, that consisted of my husband being affected by XXXX. They would pay the rears of our mortgage payment up to {$75000.00}. 

However, my husband had prior XXXX  issues of XXXX XXXX XXXX XXXX XXXX XXXX XXXX compromise his my husband XXXX  XXXX XXXX that caused him to have to forfeit his job of the State of XXXX XXXX  as a XXXX XXXX for XXXX  years because he could no longer XXXX XXXX  anymore because of his, XXXX  issues and his XXXX  issues that stand from XXXX. 

The State of XXXX XXXX homeowners assistance program stated that my husband medical issues were XXXX  related but because he had prior medical issues thats wasnt caused by XXXX XXXX, that they would not be able to assist us with paying the {$19000.00} arrears of mortgage and it took them a entire year to tell us this and we have been working with them and we got the denial letter from the State of XXXX XXXX homeowners assistance program on XX/XX/year> and we were immediately forward this information to PHH mortgage company.e My husband forfeited his job of XXXX  years as a XXXX XXXX for the state in XXXX XXXX because he is diagnosed with XXXX  XXXX XXXX and mortgage company doesnt care and wont help us and we got a letter stating that the home is in pre-foreclosure. 

Please assist us as we have nowhere to go. We can not be homeless. We have a granddaughter. My husband has XXXX XXXX. I have medical issues but I continue to fight them every day and work and we can pay our mortgage. Thank you phone number is XXXX. Have a good day.
Product: Debt collection

Capital One did not notify me of missed payments of card and abruptly shut card with balance off. sent to collections and amount is different than credit companies statement. no calls to dispute or give information of due amount. just a account with due money.
Product: Credit reporting

Below is the letter that was sent to Experian today along with a copy of the CFBP dispute case this is in reference to : " Experian : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Experian and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Experian to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation.This practice violates the fair Credit Reporting Act ( FCRA ) ,15 U.S.C. S 1681i which mandates a reasonable investigation of disputes.Futhermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. s5536 ( a ) - ( b ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

An attempt to open a credit card at XXXX. XXXX then made an hard inquiry into my credit under false pretenses
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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, Zelle doesnt hold peoples money and that tracking these transactions was moreless 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 am filing this complaint because TransUnion is inaccurately reporting my credit information, and despite multiple disputes and supporting documentation, they have failed to correct the errors. This is negatively affecting my credit score and financial standing. 

The inaccurate reporting includes : TransUnion falsely states that my XXXX credit card account was included in bankruptcy. This is incorrectI did not include this account in my bankruptcy filing. 
TransUnion is reporting an outstanding balance on this account when it has been paid in full. I have submitted bank statements and proof of payments showing a {$0.00} balance, yet they continue to report an inaccurate balance. 
Background on the Issue : I filed for bankruptcy in XX/XX/XXXX, but my XXXX credit card was NOT included in the filing. 
I continued making on-time payments on this account after my bankruptcy. 
In XX/XX/XXXX, I noticed XXXX was not reporting my account activity, so I contacted them. 
Shortly after, XXXX closed my account, claiming it was due to an " internal risk policy '' upon learning of my bankruptcy. 
I paid off my balance in full in XX/XX/XXXX, yet TransUnion is still reporting an outstanding balance. 
TransUnion also falsely reports that this account was included in my bankruptcy, which is incorrect. 
I have disputed this XXXX, providing statements and screenshots as proof, yet TransUnion refuses to correct their reporting. 
Attempts to Resolve : I have disputed the incorrect reporting twice with TransUnion, providing : Bank statements showing my payments and {$0.00} balance. 
Proof that my XXXX credit card was not listed in my bankruptcy. 
Dispute confirmation numbers from previous TransUnion submissions. 
XXXX has confirmed that they sent a correction request to TransUnion, yet my credit report remains inaccurate. 
TransUnions failure to correct these errors is a violation of the Fair Credit Reporting Act ( FCRA ) and is directly harming my credit score. 
Requested Resolution : I am requesting that TransUnion immediately correct the inaccurate reporting, including : Removing the false bankruptcy notation from my XXXX account. 
Correcting my balance to reflect {$0.00}, as the account is fully paid off. 
Providing written confirmation that the corrections have been made. 
Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure accurate reporting. Their continued failure to do so is harmful, negligent, and unacceptable. I expect a resolution immediately.
Product: Debt collection

Two years ago, XXXX overcharged me for internet access. I called them and complained, they apologized and said they would fix it, but did n't. We repeated this process each month for a few months, with me paying what I actually owed, and XXXX charging late fees on money I did n't owe in the first place, until I canceled my service and reported them to the Missouri state attorney general 's office. They actually owed me about {$7.00}, but instead they sold my erroneous " debt '' of about {$180.00} to a collection agency who then sold it to another collection agency. Now I get robo-calls XXXX a day to my cell phone from the number XXXX. They sometimes leave a message, but usually do n't, and when I do answer it is a recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C Section 602A, states I have the right to privacy.

15 U.S.C Section 604A Sec.2, 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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX and flood insurance is in escrow with PenFed. XX/XX/XXXX PenFed sent {$620.00} to XXXX for policy renewal payment. XXXX was not mailed to XXXX agency per the invoice. It was mailed to a XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX cancelled flood insurance. XX/XX/XXXX XXXX returned check # XXXX {$620.00} to PenFed. XX/XX/XXXX XXXX voided check and sent letter/voided check # XXXX to XXXX. When the check had not been cashed for 90 days, Pen Fed voided that check. Fast forward to XX/XX/XXXX - PenFed did not issue flood insurance payment from escrow. XX/XX/XXXX PenFed issued letter requesting proof of flood insurance. XX/XX/XXXX I sent email to XXXX inquiring about flood insurance. XX/XX/XXXX I received email from XXXX indicating policy cancelled for nonpayment. XX/XX/XXXX I called PenFed ( XXXX ) and they stated payment was issued and I have flood insurance. PenFed promised XXXX hour return call confirming. XX/XX/XXXX No return call. I called PenFed. PenFed insisted my escrow account was credited {$620.00}. My XX/XX/XXXX XXXX XXXX Account XXXX XXXX did not reflect credit ( in fact, statement indicated my account was {$980.00} short - I paid shortage in XX/XX/XXXX ). PenFed promised a return call XX/XX/XXXX by XXXX PM. XX/XX/XXXX I called PenFed as I did not receive a return call. I completed flood insurance application and emailed application to PenFed and XXXX. PenFed promised resolution by XX/XX/XXXX. XX/XX/XXXX I called PenFed as no return call. XXXX indicated escrow being reviewed and XXXX XXXX, supervisor, would return my call. XX/XX/XXXX I called PenFed as XXXX XXXX did not return call. I was told escrow credit would be resolved by XX/XX/XXXX. I requested {$41.00} fee PenFed be waived as XXXX is reason why I had no flood insurance XX/XX/XXXX - XX/XX/XXXX. PenFed refused to waive fee. XX/XX/XXXX received voicemail from XXXX XXXX, PenFed research XXXX referring me to XXXX for {$620.00} credit as PenFed failed to resolve with XXXX. XX/XX/XXXX I called PenFed requested a copy of letter and voided check PenFed sent to XXXX as I was not cc 'd on correspondence made on my behalf. I was not aware I did not have flood insurance. PenFed said they could not send a copy of check or letter. I stated I could not address issues with XXXX as I didn't have a copy of letter or check. I do not know why check was voided to whom check was payable to. PenFed has not fulfilled escrow duties with due diligence or timely. PenFed did not follow up with XXXX and routinely fails to follow through with return calls or sending notification in writing. I had no flood insurance. Thankfully I did not have any claims. Bottom line- I am out {$620.00} and I can not establish credible communications with PenFed. Basically, they don't care about {$620.00} - it's not their money - it's mine. I have spent over XXXX hours on phone with PenFed. There is no resolution two months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report.