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

On XX/XX/2022, I requested a re-investigation with " EQUIFAX INFORMATION SERVICES LLC '' on the alleged accounts on my consumer reports. I Challenged these same accounts with " EQUIFAX INFORMATION SERVICES LLC '' and they stated all accounts had been " verified, complete and accurate '' on my consumer report. I also still requested the " METHOD OF VERIFICATION '' with " EQUIFAX INFORMATION SERVICES LLC '' with no response or information on this matter. 


15 USC 1681e ( b ) Compliance and procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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, credit repair services, or other personal consumer reports

I have been getting denied from a lot of rental properties. The items on my credit report are fraud. I have been trying to remove them,, but I can't. I have no eviction no judgment on my credit report and plus I make 3 times the amount of rent and my application are still getting denied because of my credit score. I have tried to dispute the items but they will not delete off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX XXXX instructed TRANSUNION to remove several accounts dating back to XX/XX/2020. TRANSUNION furnished my information without my permission and without my written consent. This is fraud and its against my consumer rights 15 USC 1681b ( a ) ( 2 ) Permissible Purposes only and no other. TRANSUNION shared my alleged credit history and factual information and its supposed to be excluded by my written instructions. My rights have been continued to be violated over and over and its causing me XXXX problems and financial hardship.
Product: Mortgage

current balance is XXXX ocwen is reporting XXXX which decreased my score 80 points and had a problem getting a job. The law states that the mortgage company needs to report within 60 days they also do not, they are 90 days ...
Product: Credit reporting or other personal consumer reports

Dispute Department Experian Consumer Solutions XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open authorize these inquiries, and I have never lived or received mail at the listed address below. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, the Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

FRAUDULENT INQUIRIES : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX, received notification from credit monitoring service that a new collections account was added to my reports from Helvey and Associates, INC. The amount is for {$280.00}. I have not received any correspondence or notification in writing or by phone call as required by law from this company notifying me of this debt or any verification of this debt as of the date it was added. I have lived in my current address since XX/XX/2021. I had filed change of address with the USPS. Any and all past bills and mail have been forwarded and delivered from previous address as well as important legal documents from a probate case in Virginia addressed to previous residency. I believe that this company may be using " debt parking '' techniques in an attempt to collect on debts. I have also filed complaint with XXXX  against this company.
Product: Credit card or prepaid card

XXXX of this year I was informed by my son 's grandmother that her son started paying child support and he had also made a a deposit back in XXXX I was never informed about this until she brought it to my attention. So I call the child support office and they said there has been a card issued and currently being used. I told them okay well its me cause I never received a card they gave the number to a place called goprogram and they superficially told me there has been 4 cards issued. I'm frantic at this point and wanting to move forward so I call the police make a report the go program  said they'd like a copy and any additional documentation if I have any so I gathered up 13 documents and sent to them 3 different time I Faxed these documents to them and they have closed my cased every time I need help I feel like they arent even looking at my documentation I've sent I don't know what to do
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have two unknown accounts that I never applied for showing on my credit file. these following accounts are not mine please delete/remove XXXX XXXX XXXX XXXXXXXX. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} XXXX. XXXX XXXX  XXXX {$560.00} XXXX. XXXX XXXX XXXX  {$120.00} XXXX. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$2000.00} Inquiries XXXXXXXX XXXX XXXX XXXX, 2XXXX XXXX XXXX XXXX
Product: Credit reporting

Creditor XXXX is reporting to all XXXX credit bureaus, but Equifax is refusing to or there is a communication error reporting the account to Equifax. Ive had this account for multiple years and this account was on Equifax at one point not its not reporting. I contacted the creditor multiple times and they advised that the issue is on Equifax end. They report every month to all three bureaus. I need Equifax to add this account and history to my report ASAP.
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 the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 also has allowed repeated offenders to exploit the system. Leaving users vulnerable to scams. This Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Please provide proof that this payment was late or remove any negative association from my report. I have no recollection of this account ever being late. I would appreciate it if you would remove it from my report or show it as " Paid in Full, Never Late '' because this payment was never late and that is what is showing on my credit monitoring yet this account is incorrectly being shown else where. 

By provisions of 15 US sections 1681i of the Fair Credit Reporting Act, these items need to be investigated for accuracy, completeness and completely. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of the payment history. Failing that, please update the record to show PAID IN FULL, NEVER LATE, or delete the item from the report as soon as possible. The circled items are completely inaccurate and incomplete, and are a very serious error in reporting. Please update or delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Also, pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness for Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

My Account balance with Exeter Finance company has been paid off on XX/XX/year>. On All three credit bureaus ( XXXX, XXXX and XXXX ) is showing that I have a balance of XXXX and balance was updated on XX/XX/year>. I called Exeter Finance and they told me to call the credit bureaus and to correct the balance and Exeter finance provided me with my payoff statement. Issue has not been resolved yet. Proof of my payoff statement is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. ALMOST EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit reporting or other personal consumer reports

Dear TransUnion In accordance with the Fair credit reporting act. The lest of accounts blow have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I am writing to formally dispute the medical debt appearing on my credit report with the account reference number [ XXXX XXXX ]. I have no knowledge of this account and have never received any communication, bill, or notice regarding this matter from either the original creditor or your company. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with full validation of this debt, including the original creditors name, the amount owed, and a detailed explanation of how the debt was calculated. Additionally, please provide proof that I was properly notified and that this account is indeed valid and belongs to me. 

If you can not provide this information, I request that you promptly remove the disputed account from my credit report. 

Attached are copies of my identification and a recent utility bill to verify my identity and address. Please acknowledge receipt of this letter and keep me informed throughout the investigation process. 

I look forward to your response within 30 days, as required by law. If you fail to address this dispute adequately, I will not hesitate to escalate the matter to seek legal counsel if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Transferred money to my son using XXXX XXXX XXXXXXXX XXXX   from my XXXX XXXX account for pick up at any XXXX in FL. I live in XXXX. The transfer was confirmed and available, but when he went to pick it up, XXXX would not release the funds. they required me to call Ria to clear up a compliance problem. Ria 's system showed no problem, but their customer service team ( after many calls to get a live person ) suggested I cancel that transaction and send another one. So I did. The second one also went through, but it was held in compliance. I was variously told by several staff members, the cancellation of # 2 transaction was due to a high rate of consumer fraud in XXXX, that there was an unidentified problem with my transaction, that there was some type of issue with XXXX XXXX. 

Repeated questioning of several staff members of Ria proved useless as they were not going to tell me what was wrong with me, or my transaction, or why they sold me 2 transactions into a region that was blocked from all transactions. The lack of honesty, and transparency was appalling. Eventually, after more than an hour on the phone I was able to get my money refunded, but I could not get my son the cash he NEEDED because for the entire day I was told this transfer was fine, only to realize after the fact that it had been blocked, for a reason that no one at Ria will explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

nno known knowledge, never had an account or contract i have not worked in 8 years, i have not applied for credit i have been sick with XXXX for a year XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00} written off. {$73.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$53.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$100.00} Terms XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inaccuracies with XXXX XXXX Account on my profile. 
XXXX, Equifax XXXX XXXX are also showing the following inaccuracies : Date Opened : XXXXXXXX XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX High Credit : XXXX {$26000.00} XXXX XXXX$26000.00} Equifax- {$7900.00} Last Reported : XXXX Experian- XX/XX/XXXX Equifax- XX/XX/XXXX Comments : XXXXCharged off as bad debt Profit and loss write-off XXXXUnpaid balance reported as a loss by the credit grantor. 
Equifax-Charged off account Auto Date Last Active : XXXX XXXX- XX/XX/XXXX Equifax-XXXX Date of Last Payment XXXX XXXX XXXX- XX/XX/XXXX Equifax-06/01/2019 The account that XXXX XXXX is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Product: Credit reporting or other personal consumer reports

Hard inquires i did not approve for that occur on the date : XX/XX/year> for the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to UCC subsection 3-401 a person is not liable for an instrument unless the person signed the instrument or the person is represented by an agent or representative who signed the instrument. They never gave me the right to dispute the debt, I have already disputed this with the credit and the company I demand the items be removed from my consumer report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX, XXXX XXXX XXXX, sent information to Kohls that a package shipped to me was lost during transport. A Kohls rep, XXXX, processed a full refund on XX/XX/XXXX, incident # XXXX. I never received refund. On XX/XX/XXXX, another refund, incident # XXXX, was processed, seeing that the first refund wasnt posted to my account. My Kohls credit card has still not been updated with full refund. Im speaking to another Kohls rep, XXXX, XXXX, about this ongoing incident.
Product: Mortgage

Bank of America offered modifications of 90 days despite the passing of the CARE Act guidelines on Federally backed loans. I accepted their offer for 90 days on my FHA but then started receiving delinquent notices. I decided to make the payment. Credit payment was not applied timely.
Product: Debt collection

A false collection was listed on my credit report for XXXX XXXX, however I have never had any business with this company. I had made four attempts to contact the collection agency and I was hung up on once, and then told to email my dispute and that they would get back to me, however no one has responded. The collector is Pro Collect and the email address I was given is XXXX. 

In addition, I have never received anything via mail or otherwise saying that this account existed and that there were attempts to collect. This is false.
Product: Credit card or prepaid card

XX/XX/XXXX I had a XXXX was in hospital 45 days. Got out end of XX/XX/XXXX. XX/XX/XXXX had another XXXX. Was unable to XXXX XXXX etc. Got homer XX/XX/XXXX. Got letter from navy federal credit union saying they closed my credit card acct cuz I had n't made payment. So I called them. I have the person who I talked to. But anyways she says well you should have called us and let us know. Are you kidding me. I could n't XXXX etc. So they closed my acct. XXXX I was planning on making a payment when I got paid and I wanted to keep my credit card open. They would n't work with me. I told them I would be happy to send of XXXX worth if hospital paperwork for proof. No they just closed my acct. Why ca n't they work with ppl. I have been with nfcu for years and this is how they treat their customers. Awful
Product: Credit reporting or other personal consumer reports

I recently discovered that TransUnion LLC is reporting inaccurate information on my credit report. Specifically, they have listed an incorrect {$670.00} balance for XXXX XXXX XXXX After submitting a request for validation, I asked TransUnion to verify this balance. Additionally, I requested validation for 90 days of late payments from XXXX XXXX XXXX To support my claim, I provided TransUnion with my last 90 days of payment and credit card statements, which clearly show no late payments or outstanding balances. It is clear that the information being reported by TransUnion is incorrect and needs to be corrected.
Product: Mortgage

THIS COMPLAINT IS AGAINST ; Benchmark Mortgage, aka ; ARK-LA-TEX Financial Services , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID XXXX and ARK-LA-TEX Financial Services , LLC, XXXX XXXX Benchmark Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Complaint covers excess charges that occurred at the closing of the original XX/XX/XXXX VA mortgage loan and the XX/XX/XXXX VA refinancing loan. See closing statements below. 
Original VA mortgage loan. 
1. Charged VA loan funding fees even though they were given documentation of my VA XXXX. 
2. The original XX/XX/XXXX VA guaranteed loan included charges of {$2700.00} for Mortgage Protection Insurance ( MPI ). 
Refinancing XX/XX/XXXX VA refinancing loan. 
1. VA loan included funding fees even though they had documentation of my VA XXXX. 
2. The XX/XX/XXXX refinancing VA loan included charges of {$10000.00} for Mortgage Protection Insurance ( MPI ). 
3. Loan origination charges of {$2400.00} ( 0.85 % ) for XX/XX/XXXX refinance VA loan of an existing Benchmark mortgage. 
3. On XX/XX/XXXX Benchmark notified me of an escrow shortage of {$950.00} and increased the escrow withholding by {$93.00} per month. When questioned they would only state that the reason was because of the change to XXXX XXXX homeowners insurance higher premiums XX/XX/XXXX. Actual change in homeowners insurance premiums starting on XX/XX/XXXX was increased {$8.00} per month. Benchmark refused to discuss this issue any further than stated. 
4. In addition to # 3 above I was charged {$20.00} for 3 days of non-coverage in XX/XX/XXXX when we switched from XXXX insurance to XXXX XXXX XXXX. Benchmark insisted coverage ended on XX/XX/XXXX ( the day XXXX when the actual date the XXXX policy coverage ended was XX/XX/XXXX, the date the XXXX XXXX policy started. 
5. The XX/XX/XXXX refinancing VA loan included a closing fee of {$130.00} for Benchmark, aka ; ARK-LA-TEX Financial Services , LLC , even though they didnt attend the closing. 
6. The XX/XX/XXXX refinancing VA loan included charges for title fees to XXXX XXXX XXXX instead of the original title company ( XXXX XXXX ) who already had the title documents from the original loan, 6 months earlier. 
7. Benchmark charged a total of {$16000.00} for loan refinance on XX/XX/XXXX for closing costs vs XXXX XXXX  refinance on XX/XX/XXXX for the total closing costs were {$950.00}, {$15000.00} less for the refinancing of my VA guaranteed mortgage loan for a lower interest rate through XXXX XXXX. 
I became aware of these over charges during the process of obtaining a lower interest rate refinancing with XXXX XXXX  ( item 7 above ). I have requested that they be disciplined for their abuses of the veterans that trusting them with providing VA guarantee home loans. 
Thank You,
Product: Credit reporting or other personal consumer reports

Fraud credit reporting Requested all of this information from all XXXX credit reporting agencies and no answer and nothing was give. 

I was frauded in XXXX and XXXX and just recently notified someone tried to use my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond inside of 30 days, but have not. I have also sent a follow-up letter, which has also gone ignored.