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

I acknowledge the effort taken to remove some items from my file linked to suspected fraudulent activity, yet there remain entries requiring deletion. According to FCRA Section 605, any items identified in an FTC report must be removed. I reference an earlier report with FTC Report # XXXX and bring to your attention a subsequent report, FTC Report # XXXX, which also lists these issues. My legal counsel is informed of my actions and is prepared to address any deliberate non-compliance on your part. 
For Equifax : Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX. Please be advised that there is a four-business-day deadline to eliminate any items from my credit file that are the result of alleged fraudulent activity. I explicitly object to the use of E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2016 Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2016 Balance {$0.00}
Product: Mortgage

RWLS XXXX LLC bought my mortgage from XXXX maybe XXXX or XXXX Companies ago. XXXX XXXX Mortgage was working on a modification of the loan and a reduction in principle. The problem with the proposial was it required a large down payment it was suggested a smaller down payment with different terms. The property was set for sale XXXX XXXX 2015 and in the XXXX they stated that that RWLS would not approve any modification and the property would be sold. I later received another assignment of transfer to XXXX XXXX mortgage company and in mid XXXX I received a statement from them the reenstatement amount was XXXX and the date to pay had passed and no other representative would discuss the matter. On XXXX XXXX 2015 I received a 3 Day notice to vacate the premises from XXXX XXXX XXXX still listing RWLS as the Lein holder. I am not an attorney but something is not right. I believe there is a process and dont believe it is being handled correctly
Product: Vehicle loan or lease

Back in XXXX, I sent a complaint to your company in regards to the loan from Capital one auto, the only thing I received from them was a letter from the company president belittling me and saying that I had not paid them and the loan was past due. Well, I reviewed the account where payments have been paid, but have not posted and they will be listed below. I do have copies of my statements, but I will list the payments below. XX/XX/XXXX there was a payment made {$360.00}, this would have been for XXXX. Then again on XXXX {$100.00}, XX/XX/XXXX for {$140.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for, {$280.00}, XX/XX/XXXX for {$180.00}, I called in XXXX and was said the account was current, XX/XX/XXXX {$360.00}, and payment of {$310.00}, which they still say is past due and it is not showing as posting with them. The last payment they have is for XXXX. I've called and no one can tell me why they don't see the payments or where they have been, meanwhile they are reporting to the credit bureaus that my account is delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " XXXX XXXX '' item on my report, and that it be corrected if found to be inaccurate or invalid. 

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is XXXX  days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it. 

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX J Attachment : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within XXXX  days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it. 

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information. 

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.
Product: Debt collection

XXXX is attempting to collect a debt and make it a public matter, this is my personal private information that an institution is attempting to invade the privacy of the consumer and list such debt is owed, aside from providing the original instrument of indebtedness. I have previously stated my request for deletions for other student loans and they were removed which is a violation of reinserting deleted material in 15 U.S.C 1681 procedures in ( C ) Procedures in case of disputed accuracy to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). This company also isnt abiding by The Gramm Leach Billy Act, this act was placed into law for consumers to report company such as EdFinancial from reporting certain private information. The right to privacy act of 1974 also states, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies.
Product: Checking or savings account

That I have money in my account I have XXXX dollars when I when to see I only had XXXX dollar my card was lock and everything
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2022 I checked my consumer credit report and see that XXXX XXXX XXXX reported to my consumer credit report on XXXX XXXX without my consent.I, XXXX XXXX, as a consumer I have a right to privacy if you are disclosing ( XXXX ) Nonpublic Personal Information to nonaffiliated third parties, and that disclosure does not fall within any exception required by the Fair Credit Reporting Act.The Gramm-Leach-Bliley Act 's notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ) .If the FCRA currently requires that you make clear and conspicuous disclosures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so.The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers.The Federal Trade Commission ( FTC XXXX , the federal banking agencies, other federal regulatory authorities, and state insurance authorities enforce the GLB Act.Each agency has issued substantially similar rules implementing GLB 's privacy provisions.The FTC has jurisdiction over any financial institution or other person not regulated by other government agencies.The FTC XXXX bring enforcement actions for violations of the privacy rule.The FTC can bring actions to enforce the privacy rule in federal district court, where it may seek the full scope of injunctive and ancillary equitable relief.The FTC Act also has authority to examine privacy policies and practices for deception and unfairness.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. two fraudulent accounts unauthorized identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fradulent addresses connected to fraud never lived there 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 Type of Fraud = [ Identity T
Product: Credit reporting or other personal consumer reports

Clarity Services XXXX is continuously reporting inaccurate information on my consumer report/ File. I never gave Clarity Services XXXX consent to share my information and these accounts must be deleted immediately. This is a violation of the FCRA. Also late payments are illegal and should not be on credit reports. The violation of my rights on my consumer file is Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL status, or Delete these accounts now. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also, XXXX  has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Clarity Services Inc. to make any consumer report containing any adverse item of information XXXX 15 U.S.C. 1681c ( a ) ( 5 ). wrote this complaint by myself, no help.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach and have notice that my information and been used to get credit cards leases and an auto loan. I do not recognize the account on my report. this has shattered my whole world.
Product: Mortgage

Closed on the sale of my home in XX/XX/2023. This was a short sale negotiated by a third-party company, the XXXX XXXX XXXX The loan administrator, Shellpoint, was not open to negotiating a payoff amount that was sufficient to meet my requirements. 
As a compromise, the third-party negotiator made an agreement on my behalf with Shellpoint to endorse an insurance check for damage to the home ( check made out to me and Shellpoint ) and allow me to keep the funds. This was verbally negotiated via my realtor, the third-party negotiator, and me. 
After closing, as agreed previously, I mailed the unendorsed check to Shellpoint, with the understanding that they would endorse it and mail it back to me. When I called to check on the status after several weeks, they said it was on its way to me, and I should receive it in XXXX days. This was in XXXX. 
I never received the check. After numerous attempts to determine what had happened to the check, Shellpoint finally disclosed that they had deposited the check into their account without my endorsement, stating that it was an offset on the short sale and that they were keeping the money. 
I obtained a copy of the deposited check from my insurance company. It clearly states on the back of the check that it must be endorsed by all parties. Shellpoint had not obtained my endorsement and had, in fact, simply stamped the back and sent it through. 
Neither Shellpoint nor the XXXX XXXX will acknowledge that there was an agreement. In fact, the negotiator at XXXX XXXX, when questioned by his supervisor about the agreement, denied that he made such an arrangement. 
I have emails indicating his awareness and his willingness to reach out to Shellpoint when I told him what they had done. 
I don't know which avenue to pursue from here. My realtor, who was aware of and participated in the negotiation, has attempted to reach the supervisor at XXXX XXXX, who has not responded. 
I think that the bank that accepted the check without proper endorsement might have committed some violation. I am not sure about Shellpoint or XXXX XXXX, since it was a verbal agreement. As I previously stated, my realtor was a witness to the verbal agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither had permission, neither explained, and neither sent me the permission used and at a minimum have never explained their actions or their reasoning for all the duplicate answers over the last five years. Instead both companies play the games to avoid because the permission did and does not exist. Both companies are unlawful while managed by attorneys.
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 recent CFPB lawsuits, highly 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 away impossible and that tracking these transactions was unfeasible.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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: Debt collection

I have only information is what the original Balance is that they are charging XXXX annual interest fromXX/XX/2016 to now but wo n't turn turn calls or answer the.phone have trying to call them to pay off the debt but have to know the right amount now they are suing me I have to go to court on XX/XX/XXXX When I do call I get a voice message that the require info is full name ( I leave that ) the last XXXX of my ssn ( I leave the account number XXXX am paying off the debt or trying to ) place of employment ( I do n't think they need this info if I am paying off the debt ) phone number ( which I give plus the best time to get XXXX of me ) they say if the require info is n't left that the call will be put on the bottom of the her list to callback. I have tried to call at XXXX XXXX XXXX XXXX and several other differs times with no XXXX answering. This time I left a message to email me how much I owe they keep saying that they turn calls XXXX hours later
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Wells Fargo, in XX/XX/XXXX my wife was injured by a doctor causing to become XXXX in her XXXX XXXX. We were contacted by XXXX XXXX XXXX and signed up with them they scammed us till you guys came along ( THANK YOU BTW ). They told us not to pay creditor and to pay them, so we went into collections. That was in XX/XX/XXXX, we settled with XXXX XXXX for less then the amount owed, and were waiting until the other sent us any information. Apparently in XX/XX/XXXX the same year we settled Wells Fargo sent a IRS from 1099-C. I have disputed the account being open many times and my wife as well since she was just a authorized user and it was open before marriage this a few times with wells fargo and they keep reporting this monthly as an open debt. I have call them and they say they will do something about it and for two years now nothing. We are at our wits end with them. I am hoping you can do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account that was reporting a past due balance on my credit reports, from XXXX XXXX XXXX  credit card. I do not recall owing any balance to this company, so I disputed the balance amount with all three credit bureaus because I believe it is inaccurate. After I sent my dispute, I received a letter from XXXX XXXX on XX/XX/XXXX asking me for more information about my dispute. Specifically, they asked me to list the credit card charges that I wanted to dispute so that they could investigate my claim. I wrote back on XX/XX/XXXX explaining that I can not tell them which charges are incorrect because I dont know what any of the charges are. I asked them to provide a list of the unpaid charges or fees that are on the account so that I may indicate which ones are fraudulent or unauthorized. I received a response from XXXX XXXX that said they are not willing to provide any information to me regarding the past due balance. XXXX  and Experian closed my disputes, and somehow found that this past due balance information is valid. The issue remains - and now is further exacerbated by the fact that I can not ever properly dispute the past due balance because I have no idea what the charges are that XXXX XXXX is reporting that I owe. Apparently, XXXX XXXX had been communicating with me by mail at an address I do not reside nor do I receive mail there. I have never seen a copy of any statement showing what these charges are for. If XXXX XXXX bank refuses to validate the balance with me, they should not be validating it with the credit bureaus either. Additionally, XXXX XXXX should be required to report only 100 % accurate information, which I have not had the opportunity to confirm. XXXX  and Experian should be diligent in processing disputes, making sure to report only information that is factual and has been validated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit card

I have had 12 synchrony bank accounts and on XXXX  XXXX they closed every single ome of my accounts. No notcie to closing them. Except for when I just paid on multiple which I do once every week sometimes 2x a week because I have 12 cards. I have NEVER HAD A LATE PAYMENT OR MISSED A LAYMENT OR ASKED FOR HELP WITH MY ACOCUNTS. I AM VERY good with all my accounts. All the accounts closed but every other company comemtiy is still open and XXXX XXXX is still open. They had no reason to close them when I asked why they said we'll did you ask for an increase which I have 12 accounts of course I did. They said we'll maybe that's why. I'm not irresponsible with them. I pay them. I have had lots of fraud on my credit accounts but no late payments. Please help
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

DEAR, EXPERIAN WOKE UP MONDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF ( FRAUD/IDENTITY THEFT/A CRIME )... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I requested a method of verification. Experian has failed to provide me this documentation in my first attempt. I've contacted the bankruptcy court about this matter. The bankruptcy court has provided me with a formal response stating they do not publicly share information with third parties. In my 2nd attempt with Experian I asked them which representative they spoke to, the date, length of conversation, which employee from Experian spoke to the party, and or confirming if there was any e-mail or written communication between the members of Experian company and the bankruptcy court. Experian has failed to provide me those details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX and XXXX remove an account that Transunion had removed from my credit report, and XXXX and XXXX did not respond and/or they claimed the account will remain on my report. I asked XXXX and XXXX for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.
Product: Mortgage

We are now behind 3 months on our mortgage with loancare XXXX. 

They refused a partial payment and now ate refusing a one month payment even if certified check. Paying two payments is just a bit too much. I an waiting for extra money from my second job and a curriculum project with my main job. 

Loancare, by not being flexible, is putting us in Jeopardy of losing our house. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

JP Morgan Chase bank did a hard inquiry on my credit without my permission.