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

I asked the credit reporting agencies to not share my consumer report unless expressly written by me. These companies used my credit report to send promotional offers, i did not apply for these and the inquires are hurting my credit report. I dont want these inquires reflecting on my report when i didnt apply for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case. 

My rights are being violated and preventing me from purchasing a home for me and my family. 

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. XXXX, Transunion, and XXXX are all reporting inaccurate information causing me financial harm.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

My report with Trans Union shows under the heading " SUPPLEMENTAL PUBLIC RECORDS AND RESIDENTIAL INFORMATION '' that some company " XXXX XXXX '' requested ( I don't know what ) on XX/XX/2018, " TOTAL TAX AMOUNT {$1800.00} '', and the last line of this section says, " FORECLOSURE : YES ''. I DO NOT KNOW THIS COMPANY " XXXX ''. I HAVE NEVER HEARD ABOUT IT. I HAVE NEVER BEEN THEIR CUSTOMER AND I HAVE NAEVER DEALTH WITH THIS COMPANY. 

I have informed Trans Union several times that the above information in INCORRECT, MISLEADING, AND HURTING MY CREDIT SCORE. But Trans Union has not deleted this false information from my credit report. Nor have Trans Union GIVEN me XXXX 's address. From internet, I have found several addresses of XXXX and I have asked it to DELETE this wrong information.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified two accounts that may be inaccurately reported.

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with these accounts. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the accounts be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting these accounts. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I contacted these companies to request proof & they have provided no information. They are required to delete these damaging accounts until validated. I have requested validation and they have not produced it. Additionally, I am sending dispute letters to Experian requesting that they delete these erroenous accounts being reported on my File but have been doing nothing! Delete these now or I will take legal actions. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Noticed an unauthorized charged form a cell phone company I have no account with disputed it funds were returned then the following it was taken out my acct again contacted the bank and was told that the investigation was done and my chip was tracked to location which is impossible I contacted the merchant who also offered to give a statement to police stating they never received transaction from me or on the day in question period and I have a case number I'm able o provide which the bank refuse to acknowledge
Product: Credit reporting or other personal consumer reports

TD/Target continues to update XXXX indicating the information they have is accurate. I want validated proof that the account is under the correct name! The name is not XXXX XXXX. I will rechallenge and continue to report to CFPB and FTC until this tradeline is deleted from XXXX once and for all. 
The information being reported is not accurate it is fraud as defined by law, intended to secure unfair or unlawful gain, or to deprive a victim of a legal rights. 

This seems to be a personal issue as opposed to fair. The reporting is reopened without proper deletion under XXXX.
Product: Mortgage

I recently requested for the PMI to be removed from my loan. DiTech is lender agreed to remove the PMI in XX/XX/2017. My issue is that the PMI should have been removed automatically years ago. I 've owned the house for 10 years. DiTech tells me the initial loan agreement was to remove the PMI in XX/XX/2017. I asked for the documents stating such agreement and they tell me that they ca n't give me that information. The PMI should have been removed years ago.
Product: Debt collection

Company is trying to collect amounts already paid. Called XXXX XXXX billing to ask if they can investigate what happened with this bill but they never did. The XXXX XXXX billing department was very rude and unprofessional. They had some address listed that I never know of, as well name was XXXX or similar which is not my name. 

What happened is on XX/XX/2020 my XXXX was scheduled and in order to start XXXX I had to pay full amount for XXXX since this was self pay not thru insurance. 
I visited XXXX XXXX XXXX multiple times before XXXX and he confirmed the price for XXXX, XXXX  and everything which was {$11000.00}. This amount is for complete XXXX includes everything XXXX etc. 

Unfortunately the XXXX was not performed professionally and instead XXXX to XXXX minutes the XXXX took XXXX hours XXXX XXXX XXXX put ma life at risk by XXXX XXXX into my body to try to complete simple XXXX XXXX XXXX. 
I was XXXX for a year. 

After XXXX I went to XXXX XXXX to see what was done to my body by XXXX XXXX XXXX and why i have pain in my stomach. XXXX XXXX doctor who specializes in these XXXX was shocked that XXXX  took XXXX hours to perform such XXXX, he said we performed those surgeries in XXXX to XXXX minutes smithing longer is a risk for your body. After performing few tests at XXXX XXXX the doctor concluded that XXXX XXXX did not complete the XXXX stomach looked normal but it supposed to be stapled. 
Basically XXXX XXXX was playing with my life for XXXX hours and did not complete XXXX, which made me sick for a year. 

Please see attached proof for payment already made in full as agreed with XXXX prior to XXXX. If anyone owns money it would be XXXX owning money to me for letting XXXX XXXX XXXX to perform a XXXX which he is not experienced.
Product: Money transfer, virtual currency, or money service

Just wanted to express my concerns with Zelle handling of disputes. Despite using Zelle numerous of times throughout the years and reporting discrepancies, my financial institution and Zelle have failed to investigate or help with my claims. They said that recovering lost funds from transfers using Zelle is impossible and that tracking the transactions were not available. The lack of accountability is unacceptable and the neglect from Zelle to protect its users is unacceptable. theres a lot of repeat offenders exploiting the systems and leaves us as consumers vulnerable to scams like it has happened to me before. Theres serious concerns about consumer safety
Product: Checking or savings account

on XX/XX/2022 & XX/XX/2022, there was a atm withdrawal of {$1000.00} taken out of my account and also the next day another {$400.00} as well, I reported it but prior to that I received a text message chase fraud dept asking if that was me and I said no, I faxed my text message over that I received to the chase as I made the complaint on both days someone hacked my account, they only reimbursed me the {$400.00} and not my {$1000.00}.
Product: Checking or savings account

I deposited a bad check from a new job unbeknownst to me but the bank cleared it for me before checking if it was fake. I paid for supplies with a cashiers check and then the bank told me it wasnt real.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  and Experian diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate
Product: Mortgage

I had a mortgage from Wells Fargo from XXXX to XXXX I had to file for a modification in which Wells Fargo did not approve me and I then went to XXXX to receive help at the time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX Account XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I scheduled payment, selecting the PAY IN FULL option via Belk website. I do not shop at this store often, so I pay my bill in full when I use my card. 

The amount was paid and deducted from my checking account, as arranged. 
I never received any further correspondence from Belk. 
Upon receiving an email from XXXX ( the credit reporting agency ) that my credit score dropped XXXX points due to non-payment, I found that Belk charged an after the fact interest amount of roughly {$6.00} and then charged an additional {$1.00} per month fee for XXXX and XXXX, but NEVER contacted me to pay these amounts. 

After 90 days they then turned this report over to the credit bureaus and have destroyed my perfect credit!! 
Once I was in contact with Belk, I paid the {$8.00}, but they are refusing to remove this erroneous statement ( 90 days past due ) from my credit report. 
I have since closed my Belk account. Had I know they could charge interest AFTER THE FACT, I would never have used this card.
Product: Credit card or prepaid card

On XX/XX/2019 four transactions for XXXX store # XXXX for {$500.00} each occurred. On XX/XX/2019 a transaction at the XXXX XXXX XXXX XXXX in XXXX, TN for {$1000.00} occurred and then another for {$1000.00} at the same XXXX store occurred on XX/XX/2019. I then made a claim that all of those transactions were fraudulent on XX/XX/2019. On XX/XX/2019 Bank of America refused to cover the fraud claims and expects me to pay for the charges. I called to ask why they did not cover the charges and their only reason was that the purchases were not online despite the purchases not following my purchasing pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Goods and services were obtained using my personal information without prior authorization. 7 year credit freeze has been placed until 2025
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2024 an unauthorized payment was made to an incorrect number and I contacted my bank but they told me they couldnt help because they have nothing to do with Zelle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is an 3rd party debt collection agency who is reporting false information on my credit report I kindly request the assignment contracts to verify information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.
Product: Debt collection

I entered into an agreement with Trellis Company for their loan rehabilitation program. under the agreement, I was to pay a specific amount monthly and once the agreement was satisfied they would place my student loan back with a servicer and delete themself from my credit report with all XXXX bureaus. 

The pandemic happened, student loan payments went on deferment, I consolidated my loans and the loan in question was picked up by XXXX and they were paid in full due to the refinance. So the terms of the agreement were fulfilled on my end due to the pandemic and consolidating, but Trellis Company has not upheld their end of the agreement. 

I have reached out to them numerous times and they either don't respond or they are incredibly rude.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a specific unauthorized inquiry on my credit report, as outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b. Upon reviewing my credit report, I identified the following inquiry that I do not recognize and did not authorize : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Given that this inquiry was conducted without my explicit consent, it is imperative that it is expeditiously removed from my credit report to safeguard its accuracy and integrity. Unauthorized inquiries adversely impact my credit score and violate my rights under the FCRA. 
Please investigate this matter and remove the unauthorized inquiry promptly. Failure to execute this removal will compel me to seek legal recourse to protect my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX **** Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX
Product: Debt or credit management

XX/XX/year> I started paying fives lakes law group XXXX every other week. To date there are XXXX in fees and only XXXX paid to any debts.the last 2 months there has been an extra withdrawal from my account which I signed nothing saying anyone can take extra payments.when I asked why another fee was put on me for the exact amount of the deposit so they wiped out my account again.only XXXX of my debts is complete. The smallest XXXX. Its been 18 months. I now have to file bankruptcy and the money was there for my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account please XXXX < Back Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) Account status Open Type Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX Report info A Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed +23 pt Today Credit Cards $ Loans Money 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

Experian inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Experian just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.