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

TransUnion, XXXX and XXXX all have incorrect address on my consumer report. I have tried to update this and they have failed to respond.
Product: Bank account or service

Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit collection on my Equifax that is different from XXXX. One was taken off of my Equifax report but the same charge was on my XXXX and was not removed. I clearly saw that this was an incorrect charge or report on my credit card that might introduce more problems and they may have other incorrect credit reports to my credit as well. I have seen other companies sell credit collections that were owed to keep them going longer so it doesn't get removed under the time frame
Product: Debt collection

I keep getting letters from Midland Credit Management for debts that ARE NOT mine. How do I get them to stop harassing me?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681s-2 XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?
Product: Credit reporting or other personal consumer reports

My information on equifax has been found in the data breach, p, ease remove all accounts on my equifax credit report. 

XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ) I am a victim of XXXX trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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. 

Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX XXXX  accounts listed on my Equifax credit report. Thats inaccurate information listed on my credit report. I only have 1 account with XXXX XXXX XXXX, not 2 accounts, and I have a {$0.00} balance. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX, XX/XX/2020, I have never had a missed payment with XXXX XXXX XXXX. All of my payments has been on time with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally dispute the reporting of a charge-off account by XXXX  XXXX XXXX Account Number : XXXX, on my credit report. The reported charge-off reflects an amount due of {$1100.00}. I believe this reporting is in violation of federal laws, and I am requesting the immediate removal of this account from my credit file for the following reasons : 1. Failure to Issue a 1099-C Form Under IRS regulations , when a debt is charged off and considered " canceled '' or " forgiven, '' the creditor is required to issue a 1099-C form to the debtor, as this cancellation may be treated as taxable income. In this case, XXXX XXXX has reported the debt as charged off on my credit report but has failed to issue the required 1099-C form to me. 

The absence of this form raises questions about the legitimacy of the charge-off reporting and whether the account has been properly processed in accordance with federal tax and credit reporting regulations. Without the 1099-C form, the debt has not been properly " canceled '' and, therefore, should not be reported as a charge-off.

2. Violation of 15 U.S.C. 1681-2A ( i ) : Reporting Income on a Credit Report The Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681-2A ( i ) explicitly limits the types of information that can be reported on a credit report. Income or transactions that reflect income, such as a charge-off that may be deemed canceled debt, should not be reported as part of a consumer 's credit file.

A charge-off that is reported without proper documentation, such as a 1099-C, creates an inaccurate and misleading depiction of my financial history. Reporting such income-like entries on my credit report is not only misleading but also appears to contravene the intent of Congress as outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 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 and that tracking these transactions was unfeasible. The CFPBs 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: Debt collection

I did not have the opportunity to dispute this account. I was not of aware of this debt. Also, please provide assignment of debt, validation of debt, method of validation of debt for this account. 



XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several inaccuracies and incomplete entries that require immediate correction. These errors directly affect my financial profile and my ability to access opportunities like securing loans or advancing my career. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report reflects accurate, verified, and legally compliant information. 

Here are the specific issues I identified : My date of birth is inaccurately listed as XXXX. 
XXXX incorrect names, XXXX XXXX XXXX XXXX XXXXXXXX, are associated with my credit file. 
An account from XXXX XXXX ( XXXX ) is inaccurately reported or unverified. 
XXXX collection accounts, XXXX ( XXXX ) and XXXX XXXX ( XXXX ), are listed without validation. 
I found unverified hard inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which need to be confirmed as permissible under 15 U.S.C. 1681b.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies ( CRAs ) and data furnishers have a legal obligation to investigate and correct inaccuracies within 30 days of receiving my dispute. If the information can not be verified, it must be promptly removed. Additionally, under XXXX XXXX compliance standards, any updates to my credit profile must adhere to industry requirements for accuracy and uniformity. 

These inaccuracies are not just clerical errorsthey impact my quality of life by limiting financial opportunities and causing unnecessary stress. I have formally requested a thorough investigation and expect verified documentation to support any data that remains on my credit report. If such documentation can not be provided, the incorrect information must be removed immediately. 

I trust this matter will be handled with the seriousness it deserves, and I expect a corrected credit report reflecting these changes within the XXXX timeframe mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block and remove the information from my credit file resulting from the identity theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, and inaccurate addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/ any accounts and information not later than 4 business days after XX/XX/XXXX. I need you to remove the following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$44000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX CARD XX/XX/XXXX XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX. Ive already included this report in my previous complaints & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date : XX/XX/2023 Credit Bureau Name : Equifax, XXXX, and Equifax, XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 
Please delete all inaccurate names : Correct name spelling is : XXXX XXXX Please delete all inaccurate addresses : Correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all telephone numbers : no phone number. 
Please delete the following inaccurate employers : No former employers. 
Please delete XXXX XXXX account due to FCRA violation in reporting late payments for a charge-off, closed, inactive account. The incorrect reporting has already wrecked havoc on my credit score. 

I never gave anyone authorization to furnish my personal, confidential information. please REMOVE immediately! 

I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state issued identification and social security number to validate my identity. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a XXXX XXXX XXXX XXXX XXXX  I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

First and foremost, they hire complete incompetence that can not assist with anything. LET ALONE the fact that I stated what was needed from the very beginning. Can't get past incompetence to get the issue resolved. INTENTIONAL! 

Second, I have submitted the same exact disputes multiple times dating back almost 3 years. The information I provided was accurate and true. All statements, all notations, and a large majority of my credit statements were altered, delated, and/or modified without my consent. And I can tell it wasn't the creditor that did it. Creditors have disappeared off of my account. Especially, my mortgage. That is a government cover up! My mortgage servicer was sued by my state of Maryland for alleged fraud. A year after I filed my unemployment cases from XXXX, I was informed by a supervisor from the Department of Labor that my account was marked as fraudulent with zero notification or any reasoning for marking as such. It wasn't fraudulent. The only thing that was fraudulent was I reported to the Inspector General and Directors of government agencies that the only piece of documentation that was used in my assistance determinations was my XXXX XXXX mortgage statement. They did not include any of the other documentation of all my other bills ( utility, etc. ) in those determinations for decades. Along with XXXX XXXX assistance and child support ( for an absent parent on XXXX XXXX ) never received and in a second mortgage as documented in my HUD form provided to them from the now sale of my property. And individual statements and information on my consumer statement continue to disappear off of my report that need to be there. As it is illegally and intentionally being reported as adverse and negative impact on my report that should not be. 

THE TRUTH IS I DID NOT RECEIVE PANDEMIC ASSISTANCE AND ZERO UNEMPLOYMENT STILL OWED TO ME IN FULL. I COMPLETED ALL DOCUMENTATION AND STATEMENTS NEEDED TO RECEIVE MY UNEMPLOYMENT TIMELY. NOTHING would have gone delinquent had I received my money and/or employment. There are no jobs. AS YOU CAN SEE, only incompetence is being hired to resolve NOTHING! 

MY CREDIT REPORT CONTINUES TO BE INACCURATE AND FALSELY BEING REPORTED CAUSING DETRIMENTAL EFFECTS IN A DISCRIMINATORY AND RETALIATORY MANNER!
Product: Checking or savings account

Someone got and stole my personal information and has been receiving my unemployment benefit money in their account.
Product: Credit card

I am writing to formally file a complaint regarding my Wells Fargo XXXX credit card application, which I submitted on XX/XX/XXXX. Despite following all verification requests from Wells Fargo, I have encountered repeated delays, inconsistent instructions, and what appears to be unfair treatment. 

After submitting my application with all required details, I was informed that it was denied due to an inability to verify my identity. Wells Fargo requested that I fax two forms of address verification, which I did. After not receiving a response for over a week, I called again, and they then requested that I also fax a government-issued ID, which I promptly submitted.

Another week passed with no response. When I followed up, I was told that my faxed ID was too dark to be viewed, though my previously submitted documents were accepted without issue. I then went to a different UPS store to resend the fax. Again, I received no response. 

A few days later, when I called for an update, the agentwho was noticeably impatientclaimed that I still needed to resubmit two address verification documents and my ID. I explained that I had already done so multiple times, but the agent simply repeated that my documents were missing. Frustrated by the inconsistency, I requested to speak with a manager.

I was transferred to another representative, who told me that if I went to a Wells Fargo local branch and had them submit the fax on my behalf, that would resolve the issue. I followed this instruction and went to a Wells Fargo branch to submit the documents again. However, when I called today for an update, I was again told that my ID was too dark to be processed. 

At this point, it feels as though Wells Fargo is intentionally creating obstacles to deny my application. My credit history and income fully meet their requirements, yet they continue to provide vague or contradictory reasons for rejection. I believe I am being unfairly discriminated against, as there is no reasonable explanation for these repeated document requests and delays. 

I request that CFPB investigate Wells Fargos handling of my application and ensure that I receive a fair and transparent evaluation. 

Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX & XXXX  XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX
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 CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 'S findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Debt or credit management

Credit Karma keeps running soft inquires on my credit report with out my approval or acknowledgement. I never applied for any products are services for the year of 2024 and its several soft inquires on XXXX credit report