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

In accordance with the Fair Credit Reporting act these companies has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it states a consumer reporting agency can not furnish a account without my written instructions. 

Unauthorized use On XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX # XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I do not recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX, I dont recognize this inquiry. 

Unauthorized use on XX/XX/XXXX by XXXX XXXX XXXX XXXX do not recognize this inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Reporting 30 days past due for XX/XX/ In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove this late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax and XXXX  on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XXXX XXXX OF 2020 or with delivery tracking. They refused my blocking request of the  information because they cant meet the time guidelines set forth by the FCRA. Equifax said no on XX/XX/2020 by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. XXXX  on XX/XX/2020 sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.
Product: Debt collection

This account got sent to collection in XXXX of XXXX. Since then it has been moved to different debt XXXX. This last time it was moved to Kings Credit Services the amount has seemed to keep raising slowly. The debt collector says I know owe them {$520.00}. When I called them they told me this debt will continue to increase until the debt was paid indefinitely. I wanted to take care of the original amount that I owed, but i feel that this is not legal that they charge me interest on a medical bill. I told them that I am filing a complaint and they said its fine.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Account Number : XXXX XXXX : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Transunion : XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently removed my credit report and noticed an account that was reporting inaccurately. I have XXXX, 30 day late payment on my XXXX XXXX XXXX  XXXX, XX/XX/2021 that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

My lender is have not shown the ability to be sensitive to my financial hardship. I shown I am willing to pay, however, the have constantly gone up on my payments to now XXXX a month I am unemployed and can not simply afford that much. I regret ever taking their terms and I want future students to know rates and terms of each loan they are borrowing, I would strongly suggest do not take private loans out for education. Please I am in dire need of help. I recieved the Lon at XXXX college in XXXX, ca.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Equifax has decided it is above federal law and decided to illegally continue reporting this account on my credit report, while both XXXX and XXXX have removed the account. I have already sent a similar packet to XXXX that I had notarized, and they STILL decided to conduct business illegally and not remove this account.
Product: Credit card or prepaid card

I purchased jewelry from XXXX 's XXXX in XX/XX/XXXX. The total amount I purchased was {$8000.00}. My promo plan was for 18 month no interest. I have always paid my bill on time and never missed a payment. XXXX of XXXX my promo plan had expired. I had just made a payment in XXXX of {$250.00} not realizing that promo plan was expiring. At that time my balance {$1200.00}. My balance on the account was {$1000.00} after my payment. Two days later I received notification that there was a large amount charged to my account. I contacted Comenity Bank and was told that I had been charged {$3000.00} of interest for not paying account in full I was charged interest in for the whole purchase of {$8000.00}. I explained to them that I was totally unware that the promo plan was ending. I just log on to the account and submit payment. I was told that if I looked at the bottom of the statement it would have told me. I asked if the could work with me to reduce some of the interest and they said no. I told them I would think about closing my account because they were not willing to work with me. A couple days letter I received a letter that they closed my account. 
I have made payment for XXXX. In XXXX I decided to pay off the account my balance was {$3900.00}. I payed two payments in XXXX ( XXXX ) {$250.00} ( XXXX ) $ XXXX which would have given me a - {$75.00}. I called in and spoke with a Rep and she said we would have a supervisor call you back to issue you a refund. A couple days letter I got a statement in the mail stating that I had a balance of {$15.00}. They had charged me {$90.00} in interest again. My account had a credit how could I be charged with interest again. I contacted Comenity several times and spoke with several reps and I was told that I owed that balance and there was nothing they could do.
Product: Debt collection

I recently viewed my XXXX credit report and found a collection account listed for XXXX I did not receive any correspondence written or oral from a collection agency representing XXXX. I contacted XXXX directly and was told by the customer service department they could not retrieve an account based on the information I gave them and I would have to get in touch with the collection agency that I saw listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is this : I did a loan modification, requested by Divorce Court, with Fay Servicing. I did what they asked -- - 3 months ( XXXX XXXX ) paid as they asked. Then, Fay Servicing sent me the paperwork to finalize BUT they included my x-wife 's name on the notary agreement. They had to change that notary-requested paperwork AND THAT CHANGED THE ABOVE REQUEST FROM THEM MOVING THE 3 MONTHS OF PAYMENTS TO XXXX XXXX. 

ALL PAYMENTS FROM XX/XX/XXXX UNTIL NOW HAVE BEEN ON TIME AND IN FULL ... My knowledge of Fay Servicing , LLC, from XXXX, Illinois, is that they are a " fly-by-night '' mortgage company that hold unassuming clientele in bonds to them without due course. CREDIT ISSUE IS THAT FAY SERVICING , LLC, HAS CONTINUED TO REPORT ME AS 120 DAYS LATE SINCE XX/XX/XXXX!!! I HAVE CALLED THEM MORE THAN A DOZEN TIMES TO FIX THIS!! PLEASE HELP ME. 

THEY USE DIVORCE FROM A BLACK WIDOW TO BIND THE GOOD PERSON TO THEM BY USING " PREFORECLOSURE '' METHODS WHICH ARE NOT WARRANTED in any way ... .unsupported to say the least. PLEASE HOLD THEM ACCOUNTABLE FOR THIS EVIL AGAINST ME. 

IN MY CASE, AS A XXXX XXXX XXXX XXXX VETERAN, XXXX, I HAVE NO ABILITY TO REFINANCE OR USE MY VA LOAN ENTITLEMENTS AND GET AWAY FROM THEM. I WILL INCLUDE ALSO MY FEDERAL WORK HISTORY AS AN XXXX AGENT. I HAVE 2 XXXX XXXX FOR MY SERVICE TO THE USA!! MY X-WIFE IS BEING INVESTIGATED FOR CRIMINAL ACTIONS TO DESTABILIZE ME!!! THIS IS GOING FORWARD AT THIS TIME AS DOCUMENTS INCLUDED SUPPORT ALL I HAVE SAID HERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion about the XXXX XXXX XXXX account that is reporting inaccurately on my report. I asked for them to investigate and verify the information they are reporting and I haven't received a response from them, proof an investigation was completed, comments showing the account was in dispute or anything. I have been sending letters to them since XXXX of 2020 and still haven't received a response in regards to this account. I'm in the process of trying to purchasing a home and this inaccurate account is preventing me from moving forward. They are also still reporting an outdated Bankruptcy.
Product: Credit reporting or other personal consumer reports

Sent debt validation letter to company and never heard from them
Product: Checking or savings account

On XX/XX/2023 I deposited an insurance check into my checking account with Regions. I decided on XX/XX/2023 to transfer {$20000.00} from my checking account, which had a bank card attached to it, to my Personal account, as it appeared on my Regions banking app. I had no reason to believe the Personal account on my app wasn't my account because I had never given anyone authority to be linked to my Regions account. On XX/XX/2023 I wanted to transfer {$1000.00} from Personal to my checking account and I couldn't find the money on the bank app. I called the phone number on my check card and they directed me to go to the closest branch immediately. I did so and reported a fraudulent transaction. Regions employee XXXX XXXX looked up the information on the account I transferred the money to, that was linked to my account, and asked me if I knew XXXX ( with several last names ). I said no and I was told a fraud investigation would be started. I filed a police report ( # XXXX ) on XX/XX/XXXX with the XXXX Police Department ( TX ) and advised the Regions branch of the police report number. I was told the woman to whom the account belonged to stated that I had ordered XXXX XXXX in balloons from her, even though she is in the XXXX, FL area and I'm in the XXXX, TX area. The bank denied my fraud and did not remove her access to my account. My Regions branch manager, XXXX XXXX XXXX , told me that she was not having any luck getting a hold of the XXXX FL branch manager to discuss this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$420.00}, {$0.00}, {$5900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- INSTALLMENT LOAN 5. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Credit was applied for using my personal information. I didnt not authorize my credit to be ran. These accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one auto XXXX capitol XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the results of the recent investigation conducted by Equifax regarding the trade entry associated with XXXX XXXX XXXX on my credit report. This dispute is made under the provisions of 15 U.S. Code 1681i, which outlines the procedures to be followed in cases of disputed accuracy.

Nature of Dispute : The investigation results state that Equifax has verified that the item in question belongs to me. However, I dispute the accuracy of the modified fields, including the Closed Date, Scheduled Payment, High Credit, and Date of Major Delinquency 1st Reported. 

Insufficient Detail in Investigation Process : The provided summary of the investigation process lacks sufficient detail about the steps taken by Equifax and XXXX XXXXXXXX XXXX I request a comprehensive account, including the evidence considered, in accordance with the requirements of 15 U.S. Code 1681i. 

Public Record Handling : The explanation regarding the handling of public record items, such as judgments, tax liens, or bankruptcy, is vague. I seek more specific information on how Equifax obtained the most recent filing associated with the disputed information and the measures taken to ensure accuracy, as mandated by the aforementioned legal provision. 

Furnisher/Source Information : The information about XXXX XXXXXXXX XXXX  XXXX XXXX name, address, and telephone number, is essential for the pursuit of this dispute. I request a more detailed disclosure to facilitate direct communication with the furnisher of the disputed data, in compliance with 15 U.S. Code 1681i.

Request for Reinvestigation : In accordance with 15 U.S. Code 1681i, I formally request Equifax to reinvestigate the disputed trade entry with XXXXXXXX XXXX XXXX. A thorough examination is necessary to ensure compliance with the accuracy and completeness requirements outlined in the Fair Credit Reporting Act. 

Additional Documentation : If Equifax requires additional documentation or information from my end to facilitate a comprehensive reinvestigation, please promptly inform me. I am committed to providing any necessary documentation to resolve this matter accurately and in compliance with the law. 

I appreciate your prompt attention to this matter and expect a transparent and fair resolution in line with the legal provisions outlined in 15 U.S. Code 1681i. Please keep me informed of the progress of the reinvestigation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I can't redeem my points for cash back or for anything. It says I'm not enrolled, but I'm earning points. I should be able to use them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting 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 items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX  ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Wells Fargo was closed by me but is still on my report. 
Also Wells Fargo had been reporting incorrect erorrs on my credit report. For example investigate : date opened, high credit, credit limit, last reported, date last active, and date of last payment. All these columns are inaccurate because they all should have the same info and they dont.
Product: Mortgage

I initiated a refinance with Loan Depot and provided all the documentation and signed notarized loan documents on XX/XX/2020 as my loan processor assured me that my loan would close and funds would be disbursed on XX/XX/2020 to pay down my previous lender and begin my new loan with Loan Depot. 

In preparation for close on XX/XX/2020 ( a Monday ) I wired approximately {$9500.00} to the title company in closing funds which included loan fees and property taxes. On XX/XX/2020 I don't receive any confirmation from my loan processor or title company to confirm that the loan has been funded so I reached out to my loan processor for confirmation and she responded on XX/XX/2020 with " We have received everything from the title company and funding happened yesterday. The title co should have the documents recorded soon. '' On XX/XX/2020 I checked with my previous lender as well as my property tax account and noticed that the previous lender account is still active and does not show as paid and my property taxes have not been paid. I called my loan processor at Loan Depot again to ask for confirmation and she asked me to reach out to the title company to check. After calling the title company I was told that Loan Depot never released the funds. I reached out to Loan Depot again and have not been able to reach my loan processor or her supervisor on the phone to understand next steps on how to resolve this as the title company has both my closing funds and my property tax payment.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite frequent use of Zelle and reporting discrepancies, my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams. This absence of accountability and transparency is deeply concerning and raises significant questions about consumer protection.
Product: Credit card

I recently received a copy of my XXXX and XXXX credit report. My credit has been compromised in which I had a fraudulent account opened under my name and credit has been compromised. The credit report shows a XXXX credit inquiry by your company of which I did n't authorize. I have disputed multiple times and it is not being removed, according to the credit bureaus it keeps getting verified. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to find a rental apartment. I have applied to numerous apartments and credit and due to the credit inquiries keep getting denied. If I ca n't get an apartment due to this I would be homeless with my XXXX year old daughter. They keep saying I applied however I had my identity comprised in which I had a fraudulent XXXX account under my name which was verified and deleted.