23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Account Reporting ( CBNA ) FCRA Compliance To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit report regarding an account from CBNA, which was closed on XX/XX/XXXX. 

As of my most recent credit report, the following concerns have been identified : The account shows a reported balance of {$2200.00} as of XX/XX/XXXX, which is after the account was closed. This raises concerns about continued balance growth post-closure. 
The payment history continues into XXXX, despite the account being marked as closed XXXX. 
I have only made 39 % of payments on time, which may not accurately reflect my history, especially after closure. I request a review of any missed payments recorded after closure to ensure accuracy. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c, I am requesting a full reinvestigation into this account. If the information can not be verified or is inaccurately reported, I respectfully ask that it be corrected or removed entirely from my credit report. 

Please provide me with written confirmation of the results of your investigation within the 30-day period as required by federal law. 

Attached are my identification documents and supporting screenshots for your reference. 

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

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I sent write letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX  on XX/XX/XXXX & XXXX for XXXX XXXX  on XX/XX/XXXX. 

They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. 

This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. 

These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit
Product: Debt collection

National Credit Systems ( NCS ) has not provided me with proof that they legally own the alleged debt. They did not attempt to contact me directly, phone, mail or email to notify me of the debt. They simply sent me an email on XX/XX/year> stating that a collection would be posted on my credit reports. On XX/XX/year>, I sent NCS a letter requesting the original purchase agreement with the original party/creditor to show that NCS legally owns this debt. They did not respond to my request. I received nothing stating this debt is mine or that NCS owns this alleged debt. I then contacted XXXX, XXXX and XXXX to dispute this inaccurate and misleading data on my credit report. XXXX removed the item from my credit report. 
XXXX and XXXX did not remove this inaccurate data after I sent them proof that this is misleading data being reported. They just said it was verified without showing me proof of a true investigation.
Product: Debt collection

This company repossessed my car with informing me of the repossession after paying over {$2000.00} in payments! I never received notice about the repossession and kept contact in the coming days with multiple people at the company regarding my account with emails to provide!!! they screwed up with containing the wrong information in varies departments! After being transferred to the company via my original furnisher without consent Ive asked for the original documents which were not given, theyve maliciously reported incorrect payment amounts as well as incorrect payments rendered monthly which increased the debt!
Product: Credit reporting or other personal consumer reports

I am not in school and this loan is fraudulent. I did not authorize this loan XXXXXXXX XXXX  XXXX / XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/year> Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Balance {$3000.00} Date Updated XX/XX/year> Payment Received
Product: Mortgage

The appraisal for my home used outdated information, comps, and did not take into account current market conditions. I made several requests for my broker, Lennar Mortgage, to ask the bank/appraiser to use one of the many more recent comps in my neighborhood ( its a new construction neighborhood with many homes closing in the past few months ). However, the broker refused to convey my request to the bank/appraiser. Additionally, the broker will not share the contact information of the bank with me so that I can make my own request. 

History of the events : XX/XX/XXXX : Broker provides me with a copy of the appraisal using old comps XX/XX/XXXX : I requested that the bank/appraiser be notified of my request for new comps to be considered in the appraisal XXXX XXXX : Broker indicated they will not request changes to the appraisal stating that the appraisal met Lennar 's compliance regulations XXXX XXXX : I requested copies of the regulations XXXX : XXXX - XXXX : Several back and forth emails with little progress being made. 
XXXX : I requested that the appraisal be altered or the broker credit us for the cost of the inaccurate appraisal. Gave broker until noon XXXX to provide response. 
XXXX XXXX : Broker replied without giving direction to the XXXX request. 
XXXX XXXX : I requested the broker deliver a letter I had written to the lender and provide me with his supervisors contact information by noon on XXXX. 
XXXX XXXX : After no response from broker I sent a follow up email requesting a time when we would receive a response.
Product: Payday loan, title loan, or personal loan

Westlakefinancial.com & wilshireconsumer.com gives people an opportunity to get help by providing credits when other does not. That is a big thank you to both companies. 

But when is about the business practices, seems like they are taking advantage of the people by misleading them with the amounts of money they own ( users ). 

In their webpage it is possible to check your balance but if you do not click in the right place, someone might get screwed up. In the same webpage they have three different balances, its impossible to know which one is the right one. 

Yesterday I was decided to payoff my account and when checking my pay off balance it says XXXX number. So I went to the process of paying using their website/online tool, but when I typed the full amount it did not allowed me to process it. Their paying online system only allowed me to pay an slightly smaller amount than the " pay off balance says '', it was about XXXX dollars difference. So I paid the full amount possible which was the full balance in my account balance, and when checking my balance is says XXXX. 

An hour later, I went to the chat to ask for help to check my balance, because in one of the screens says that I owned XXXX cents. ( today, a day later is XXXX cents ). the chat person told me that I should not worry, because I do not own more and that my paid off letter will be sent in matter of days, and that the cents I own will be waived. 

Unfortunately I lost the chat text file, which I saved for this exact purpose, to expose their bad business practices. 

Today out of curiosity, again when checking my balance, it says XXXX, when checking in another screen is XXXX cents and when checking IN ANOTHER screen is XXXX dollars. 

What would have happened if I do not check by phone again? Months later I will be screwed up because the XXXX dollars will be exponentially increased. 

I think its a cheating practice what they are doing. This is not a regular mistake, they are miss leading people, confusing them and I am pretty sure that their good will is behind other dirty utter motives. Bad business practices hurts peoples pockets at the end, is like taking advantage of the needs of others. 

Using computer systems is not a complicated business for a multimillionaire company, they can not tell that its impossible to add the paid off balance when someone is trying to full fil their financial obligations with them using their online systems. 

On top, there ARE NOT banners or messages telling you that if you want to pay your final balance YOU MUST CALL THEM BY PHONE and provide them again all your information in order to pay off your credit, that is another bad business practice from XXXX XXXX XXXX and XXXX XXXX XXXX. 

I think that this should be a XXXX XXXX XXXX against this two companies for using those kind of practices.
Product: Debt collection

XXXX XXXX is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but XXXX XXXX continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.
Product: Mortgage

Wells Fargo Mortgage will not give me my amount when I call them to how much money was paid into the loan before foreclosed. 

Every time I call them its the run around on hold forever. When some one gets on the line its not even about what I 'm requesting. They always trying to tell me something that has nothing to do with the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXredit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for these items to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have these items corrected or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / ( Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$5100.00} Date Opened : XX/XX/XXXX ( Late 90 days XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$7200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$7500.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX XXXX Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX ) XXXX  XXXX Balance Owed : {$3700.00} Date Opened : XX/XX/XXXX ( Late 90 days - XX/XX/XXXX ) / Late 120 days - XXXX XXXX - XX/XX/XXXX )
Product: Student loan

I had enrolled in a College back in 2008 and the school signed me up for this loan from a private lender. I did not fully understand what it was I was enrolling in and now I have had a bill from CitiBank Student Loans on my credit report since 2008. They then transferred the loan to another creditor and so I would like to dispute having these collections on my credit report. This is illegal as far as I am concerned and i would like to get some help resolving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX To : Transunion, XXXX, XXXX, et al,. 

Credit Bureau Rep : It has come to my attention that there are errors and/or unauthorized records and non-public personal information on my credit report. 

Per the Privacy Act of 1974 : The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. 

I have never authorized the following creditor to share my non-public personal information, nor was I given an opt-out notice every 30 days per : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX With Preduce, XXXX XXXX XXXX 
juris sui Attorney-in-Fact
Product: Debt collection

I received a call from Southwest Credit Systems about a XXXX debt in the amount of {$1800.00} that some XXXX opened in my name in XXXX, PA. and said that I owe.I told them I never lived at that address in PA. and I did not give any XXXX my permission to use my SSN to open an account.They mailed me a id theft form which took two weeks to receive.I filled the form out and sent the information requested and I mailed it back to them Priority Mail with signature required.I received a letter today from the debt collector wanting me to send more information.They have all the information that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Transunion launched an investigation into this collection account which was found not to be mines and they deleted. The item on XX/XX/2018. I applied for a place on XX/XX/2018 and was denied because of this collection that was deleted. I called TransUnion report screening who handles rental and background checks. They stated I needed to call the Transunion credit bureau which I did and they assured me that the item was not there and that they didnt see an inquiry from this company.
Product: Money transfer, virtual currency, or money service

In light of the recent CFPB lawsuit highlighting the issues with Zelle, and the failure to investigating prior claims to protect me as a client, has made me speak out on my experience with Zelle. I was always under the belief that Zelle had no way of investigating fraudulent transactions or recovering lost funds making me feel unsafe to use the platform as freely as possible. The lack of transparency and accountability is unacceptable, and makes meas a consumerfeel concerned for my safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor called XXXX there are 4 accounts on my credit file totalling around XXXX for student loans from XXXX XXXX back in 2001 according to XXXX  these accounts are closed and have a XXXX balance but transunion refuses to put that on my credit file they argued with me and said yeah they are closed but you still have a balance they will not report the right information these are not even my student loans they said I went to XXXX XXXX but I went to XXXX XXXX in XXXX Co I've tried explaining this to the department of education as well and have not gotten anywhere except a run around. but I would like transunion to report the right information
Product: Credit reporting, credit repair services, or other personal consumer reports

When you apply for a new loan or line of credit, a hard inquiry may appear on your TransUion credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXXXXXX XXXX  XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX  XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow victims of identity theft to remove fraudulent items. I have been a victim of a data breach, resulting in unauthorized use of my personal information. I request that the following accounts and inquiries be blocked from my credit report to prevent further misuse of my identity. 
The accounts I request to be blocked and deleted are : XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$930.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$360.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Additionally, I request the deletion of the following unauthorized inquiries : XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX
Product: Vehicle loan or lease

I am currently trying to get out of my lease and buy my vehicle. The car was $ XXXX after rebate and down payment. I was told my lease buyout is $ XXXX XXXX  MONTHS after paying {$650.00} - XXXX on time payments. XXXX Dealership says my residual value on their end is $ XXXX. Thats a {$12000.00} difference that Ally is trying to XXXX me over for. I have multiple buyers wanting my vehicle and all I want is to get out of a lease and into a vehicle thats more sustainable. I will never work with Ally again.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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.