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

I am hereby reporting these hard inquiries on my credit report as fraudulent and not authorized by me. Therefore, I am requesting they be removed from my credit report. 

DO NOT mark this as a duplicate application or close it without resolving this issue because I have a right under federal law to report this matter and request action be taken.
Product: Debt collection

On behalf of XXXX XXXX XXXX, Radius Global Solutions ( collections agency ), LLC. has not provided a letter to my address indicating ( on paper ) that this debt has been paid, despite the fact that the debt has been satisfied. I have had conversations with three representatives, and each of them has informed me that a letter will be sent to my address via mail to demonstrate that the debt has been satisfied ; however, as of this writing, I have not received said letter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was in collections with XXXX XXXX  XXXX and is paid in full as the documents I have uploaded shows.
Product: Credit reporting or other personal consumer reports

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items : BK OF AMER XXXX, BK OF AMER XXXX, BK OF AMER XXXX ; was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( XXXX ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( XXXX ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Is Showing A Collection On My Equifax Credit Report From XXXX XXXX  XXXX XXXX XXXX. In The Amount Of {$80.00} ; This Is Incorrect As This Account Has Been Paid In Full And The Collection Needs To Be Removed From My Credit Report Immediately As It Is Having A Devastating Negative Impact On My Credit Score, Dropping Me XXXX Points. I Have Attached A Copy Of The Receipt To This Complaint.
Product: Credit card

While on a medical leave from my employer, someone used my credit card and debit card for well over {$4800.00}. There has been multiple attempts to resolve this however the company, Self Inc, would not reverse thus actions. Spoke to someone who calls himself XXXX, would not allow me to speak to a Leader to escalate this issue. This individual then asked me to send in documentation in regards to my medical leave and a list of all medications. This is concerning and violates HIPPA.
Product: Credit reporting or other personal consumer reports

Both of my XXXX XXXX credit card account status is incorrect with Transunion, XXXX and XXXX. 

My XXXX XXXX XXXX XXXX status is being reported incorrectly.

Both of my XXXX XXXX XXXX XXXX  accounts are showing closed however they are open and active.

I received credit report alerts stating that my XXXX XXXX XXXX XXXX  have been closed however, that is incorrect they are open and accounts.

Reinsert both of my XXXX XXXX XXXX XXXX to an open and active status.

My XXXX XXXX XXXX XXXX status is open and active not closed. Please correct.

I have attached documents from XXXX XXXX showing both the CREDIT CARDS accounts are ACTIVE and OPEN.
Product: Debt collection

I was never served by this company XXXX XXXX XXXX XXXX XXXX what so ever and how i found out was through my employer because my check was garnished for over a XXXX dollars, i never received a letter never received a phone call At all and this was 3 yrs ago.  Now i want to counter sue them for violating my FDCPA rights.
Product: Mortgage

I have a mortgage account with Nationstar mortgage. We made a payment today but they reversed it, kept the money ( unapplied ) and refuses to give us explanation. I feel like they just want our house. Years ago, we ran into financial trouble due to unemployment. We seek for loan modification. They took years to process it. Then when they finally modified our house. They added over $ XXXX towards our balance, unpaid payments, and raised our payments to {$3500.00}. This caused us even more financial trouble. They robbed us. We put so much money down to buy this house. We have been paying for 9 years. Loan started at $ XXXX but now it 's $ XXXX because of the greed of this mortgage company. We want help to get forgiveness for amount they capitalized, put us in an affordable payment and help us stay in our home. Now the website shows I am not eligible to make payments?
Product: Debt collection

Wells Fargo Credit Card account ending in XXXX. 
My daughter and I had a joint credit card through Wells Fargo. My daughter had become an addict. The card was maxed out, I paid the card off with a balance transfer on XX/XX/2017. I then took possession of her card and I XXXX XXXX XXXX and closed the account, my daughter was aware of me the closing the card. She then at a later date called Wells Fargo and had the account reopened without my knowledge. I was shocked when phone calls recently came to me and letters demanding payment. My daughter and I do not speak as she has had a criminal mindset. I am retired and pay all of my bills. I was SHOCKED and stressed beyond belief when Wells Fargo started to harass me with the calls and letters. Then to have my credit ran to only see My one XXXX Fico score is now in the 500 's due to this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents regarding this account you are reporting me which is not mine. I want you to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report me as having late payments on an account that was closed in XXXX and debt cancelled due to the creditor violating the terms of the agreement. In XXXX, I finally got an official debt cancellation notice 1099-C. The other credit unions show the old account as a closed account but not as a negative, charge off, late or failed pay. Only Experian does this and has continued to do it past the account existing at all! Every month, they still log me with a CO or FP for a closed account with a {$0.00} balance. It wasn't charged off, it was cancelled due to fraud, mixed files and other non-verifiables. They never fix the fraudulent late pay history on their report thus getting me denied a business loan from my bank for late payments that never happened. They also fail to give me increases for payments I did make on other accounts and their website and phones don't work. I submit disputes and they'll change small details in 30 days, but not the problem and don't give me my real score. When a company did a hard check, it was much higher than what Experian told me it was. Then I call and get left on hold for 2 hours, hung up on 3 times in one day and told my IRS form can't load due to technical issues, then told it went through but finally get an agent who doesn't know how to find it, directs me to another uploader that also doesn't work. They also report late payments for a student loan that doesn't belong to me and says balance {$0.00}. Despite the fact that these accounts aren't supposed to be there at all, how would one pay {$0.00} on time?
Product: Credit reporting or other personal consumer reports

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion And XXXX have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. TRANSUNION and XXXX  HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX   XXXX/XXXX. The credit reporting agencies transunion and XXXX both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. Transunion and XXXX have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N
Product: Credit reporting or other personal consumer reports

Recently I got a copy of my credit report and notice several inaccuracy in my accout this account hurting my ability to obtain credit it's my understanding that transunion reporting agency will investigate the account for metro ensure accuracy this account is XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 These inquiries are reported with the name XXXX XXXX which is not me nor did I authorize anything. My name is spelled XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account reporting but I have never had an account with XXXX XXXXXXXX XXXX XXXX XXXX. 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and XXXX XXXX returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with XXXX XXXX XXXX XXXX XXXX so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my XXXX and Experian reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I began to look at my credit reports. I noticed several errors, omissions, and inconsistent reporting between the XXXX credit bureaus on this Paypal Credit account from Synchrony Bank. I sent a dispute to the XXXX major credit bureaus. After 45 days, I checked my credit report only to find that my dispute was ignored, in fact the account was not even marked as disputed. I know Synchrony got the dispute from the credit bureaus with the XXXXXXXX XXXX. I then disputed again with the credit bureaus, and sent Synchrony bank a copy directly. After another 45 days, it still appeared my dispute was ignored. I then decided to hire a professional to help me with this. Since then, I filed for arbitration against them in XXXX. It is now XXXX, and aside from their attorney introducing themselves, I have heard nothing from them. I have given them a generous offer to resolve the dispute outside of arbitration which has gone ignored, just like my credit reporting disputes. I know the FCRA mandates a company to report with " Maximum Possible Accuracy '', and this account falls far short of that.
Product: Debt collection

http : //credencerm.com/ company has continuously been calling my job regarding a debt that has already been paid. 
in addition to telling them it has been paid and asking if the account reflects that, i have been told in order to tell me if it has ; that I have to verify my address, and my telephone number ( which I have ) they also are insisting I give them my social security number. even though I have given the account number on the paid bill. 

numerous calls were made to my job harassing me and telling me that I need to pay. 
again a confirmation number was given to them and they insist they need my social in order to continue looking at the account.
Product: Credit reporting or other personal consumer reports

I am filling complaint against Equifax for failing to properly investigate my inaccuracies in my credit report. Despite, my submissions, Equifax consistently responds in 24 hours stating the account is accurate, without providing proof of a thorough investigation. According to, The Fair Credit Reporting Act ( FCRA ) is a U.S. federal law that regulates how consumer credit information is collected, shared, and used. The FCRA is found in Title 15 of the United States Code, Section 1681 and aims to ensure fairness, accuracy, and privacy of consumer information in the credit reporting process.

Key provisions of the FCRA include : Accuracy of Information ( Section 1681e ( b ) ) : Consumer reporting agencies ( CRAs ) must maintain accurate and complete information. They are required to have procedures in place to ensure that credit reports are accurate, complete, and up to date.

Right to Dispute Inaccurate Information ( Section 1681i ) : Consumers have the right to dispute inaccurate or incomplete information on their credit reports. When a consumer disputes an item, the CRA must investigate the dispute within 30 days and correct or remove the disputed information if it's found to be inaccurate. 

The account that I have marked inaccurate : Acct XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2024, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Citibank account to fraudulent investment firm ( s ). I signed up to work for a company that had me invest money to " optimize '' online products. 

Eventually, I had to keep investing more money under the guise of being able to withdraw it all plus profit. When I tried to withdraw it they had me invest more money to clear a credit problem and then once that was done and I withdrew the money it was mysteriously withdrawn to the wrong crypto wallet address, although I had successfully withdrawn previous funds to the correct account previously.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds dating back to 2017 was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer saftey. 
Funds of various amounts scammed from me and/or funds not received because of
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and delete accounts from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing an official complaint with the 3 major reporting companies, " XXXX, XXXX, and Experian ", this complaint derives from not only me losing my wallet and important personal information, but due to the fact that I've been incarcerated for the past 8 years, only to be face to face with this nightmare of my identity being compromised. I'm respectfully and peacefully demanding that these unknown and unauthorized accounts be blocked and removed immediately from my credit file ( s ). Please remove the following # 1. XXXX XXXX XXXX # 2. XXXX XXXX XXXX # 3 XXXX XXXX # 4. XXXX XXXX XXXX XXXX XXXX # 5. XXXX XXXX XXXX # 6. XXXX XXXX XXXX # 7. XXXX XXXX XXXX XXXX # 8.  XXXX XXXX # 9. XXXX XXXX XXXX
Product: Student loan

This is the fourth time this has happened. Navient/XXXX was paid electronically by my bank the full balance including the days interest to conclude the Stafford loan. Instead they were silent and revealed weeks later that I owed some amount less than a dollar. In this latest case it was XXXX cents! This wastes my time and money. When I called up to ask about it they said we do n't have that information without about a week of talking with our research department. Are they serious?