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

My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year 2022 and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : XXXX XXXX XXXX Name ID # XXXX ) -XXXX  XXXX  XXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXXXXXX ( XXXX ID XXXX XXXX ) Requesting Experian to correct my name and remove all other inaccurate names immediately.
Product: Student loan

This loan was a fraudulent loan. In which a law suit has occurred. I would like them to remove the loan from my credit history. And repay me any money that I have already paid to them, they ordered me to pay through my employer.
Product: Debt collection

XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called Diversified Consultants IN, account number XXXX and XXXX XXXX XXXX, account number XXXX. XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX but they did not. I tried to explain to XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
Product: Credit reporting, credit repair services, or other personal consumer reports

I realised that some of the information on my credit report is incorrect when I checked it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to authenticate these accounts ( A ). It is not permissible to fail to authenticate these reporting accounts as unverified information without presenting any proof within the time frame specified by law. My credit report shows the following accounts that need to be examined and repaired due to erroneous reporting in my file : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}
Product: Mortgage

Citizens One XXXX CO XXXX, a subsidiary of Citizens Bank, has been my mortgage holder for 17 years. Suddenly they are imposing an escrow account based on " shortages '' related to either property tax payments or insurance which are not substantiated by them. When I tried to correct, as these were current, CO dismissed it in a form letter and without any consent or approval, or proof of these " shortages, '' CO brazenly imposed a monthly payment that is 60 % greater. It seems to be a pure money grab. 

Please see attached photos of the latest letter about the plan from CO.
Product: Debt collection

this is a fraudulent account att already gave me credit and cancelled the account do to fraud ... i have a letter from XXXX clearing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received anything in regards to this account. I have no knowledge of this account. I have tried contacting this company and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is displaying a late payment record for a credit card account. XXXX claims that no late report was issued to the credit agencies. ( See chat transcript ) I  want the negative information removed, as the payment was not late per XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 : Its 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 then 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXX XXXX 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: Debt collection

I was sent a collections letter dated for XX/XX/2018 for rent owed to an apartment complex that has lied about my move out date. I submitted my letter of dispute to the collection agency and the collector that I spoke with on XX/XX/2018. They said they would investigate. On XX/XX/2018 the collector claims that XXXX XXXX says that I moved out in XX/XX/2018, which is incorrect. I have documentation that I moved out on XX/XX/2018. I had a walk through with an XXXX employee on XX/XX/2018. Before the apartment complex switched management to XXXX, I submitted my 30 day notice to XXXX of XXXX XXXX XXXX. Once XXXX took over, I called him to verify that he gave them my notice, he said that he gave all paperwork to them. I have a copy of that letter. They are illegally trying to collect funds from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding a bank of America credit card that I closed. The complaint number is XXXX. Bank of America did not try to resolve the issue and continue to send me statements and have caused a negative credit report to be submitted. The original complaint is still open even though they responded on XX/XX/XXXX that they were looking into it. This is a small issue over {$40.00}. I believe they are not attempting to resolve the issue and are instead causing my credit rating to be impacted.
Product: Checking or savings account

My check wasnt deposited into my account on time causing all my transactions to decline
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed out my dispute with all three consumer reporting agencies as well as XXXX XXXX XXXX. 

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX XXXX XXXX, Transunion, XXXX and XXXX by reporting late payments on my monthly consumer credit report. XXXX XXXX XXXX XXXX and the above consumer reporting agencies did not disclose information to me on how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information.

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any payment history information.

Please remove the reporting of my payment history, Late payments are payment history and personally identifiable financial information.

Thank you for your prompt attention to this matter
Product: Mortgage

Las t XX/XX/XXXX , I called OCWEN about my home loan in regard to it 's converting from the ARM to pay down. I knew it was coming up. They informed me on the phone that it was not going to mature and that I was good. I was shocked in  XX/XX/XXXX  when I  received a call that I was late on part of my payment. My mortgage went from  XXXX  to  XXXX . I was told I could modify, but found  out  4 m onths later, that the loan I have specifically says I can not be modified. The lack of professionalism throughout can not be overlooked and fraudulent and ignorant activities seemed shocking. I continued to pay my payments in two increments, the original payment, and the balance to cover the new monthly. I was finally able to refinance my loan. Apparently in one of the last months,   XX/XX/XXXX , I was late 3 days on a partial payment. It was either my error or the bank, but either way, it was three days on only a part of the payment. Because of this, they reported me and my Credit score was severely impacted. It then caused me not to be able to refinance a HELOC at that time. I have been rejected in my attempts to appeal to OCWEN and to be honest, they have never been helpful throughout my experience with them. Their incompetence has been a hurdle I have dealt with since   my loan was sold to them. I feel that OCWENs practices are questionable and their reporting me was above the necessary. Also, their fraudulent information given to me hindered my ability to make good decisions about my loan. Much of this would have been avoided if they had not lied to me. This lying seems illegal especially based on the fact they were able in return make more money off me. I want to report them for their questionable practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.
Product: Mortgage

Over the lasy year I have emailed & called XXXX Mortgage multiple times in regards to my payment history reflecting on my credit report that is severily incorrect. I need immedate assistance in getting this resolved ASAP and my credit report being corrected. I have attached documents for proof of payments etc. My payments have not been 30 days late on the dates listed below, I have attached each email conformation ( as I make my payments online ) reflecting the date the payments were made. And they refuse to respond to me or the credit reporting agency 's I have also disputed these through. 

See dates below that I have documentation for : XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX XX/XX/XXXX payment made XX/XX/XXXX If you look at other creditors on my credit report their are NO late payments only XXXX, that's a reflection on them and their processing of payments. All my payments were made before hitting 30 days.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform. Despite of using Zelle numerous of times and reports, my financial institution and Zelle failed to investigate my claims. They said that recovering funds was impossible. The CFPB findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Checking or savings account

On XX/XX/year>XXXX  i used my debit card at a gas station and someone managed to get ahold of my debit card info and charge {$140.00} at walmart.com. Told my bank USAA the story they confirmed it was fraud and gave me credit. Now I recievd a letter saying it wasn't fraud according to them and want to reverse the credit. 

Documents clearly show that an individual with a different name, email and location made the charge and not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information about a charge off account from XXXX XXXX is reported on my credit report inaccurately. The date of account opened is reported inaccurately as well as the amount charged off. I would like for this account to be removed from my credit report immediately
Product: Debt collection

I have some medical bills that was sent to collection due to non-payment as my employment ended/changed. I needed time to get back my feet. The last month I had paid what I owed based on what was showing on my credit history. I paid the balance off and last Friday I received another notification about another medical bill. I was trying to obtain some information and the lady that I was speaking with was very rude and unprofessional. She was very combative and would not allow me to speak. I was getting frustrated because of the way I was treated. I ended the call as I was not being treated with respect.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( XXXX, XXXX  and Experian ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : Experian : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX ( shows up twice ), XXXX XXXX  and XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX, I received a notice from A/R Solutions advising that I owed a debt for XXXX relating to medical treatment for my daughter in XXXX. The notice was dated in early XX/XX/XXXX and I did not receive the notice until after my 14 days to dispute. Despite not receiving proper time to dispute the debt, I sent in written verification that I did not owe the debt and provided proof that I paid the debt in XXXX. Thereafter, the provider, XXXX XXXX XXXX confirmed I paid the debt for my daughter 's treatment, but then said I owed {$75.00} for my own medical treatment in XX/XX/XXXX. I then provided proof that I also paid everything owed for my medical visit in XX/XX/XXXX and nothing was due and owing. I paid all outstanding medical amounts in XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX sent me an email verification confirming that I did not owe anything further and that they were contacting AR Solutions to stop all debt collections against me and apologized to me for the inconvenience. 

On XX/XX/XXXX, I received notice from AR Solutions dated XX/XX/XXXX advising that I still owed XXXX XXXX XXXX {$75.00} for my medical treatment in XXXX and that I had until XX/XX/XXXX to dispute the debt. This is the second time that AR Solutions has fraudulently dated its notice of debt collection to deprive consumers of an opportunity to dispute a debt within the time permitted. It is also fraudulent to collect on a debt that has already been paid, where proof of payment has been submitted, and the provider has confirmed such. 

After XX/XX/XXXX, I asked for confirmation that no further debt collections actions would be pursued, and I was told that no such debt collection activity would occur and my credit would not be impacted. I believe I'm being harassed unlawfully