23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX I asked my husband to make a payment to my Wells Fargo personal line of credit. I gave him {$260.00} dollars to do so. My husband is not a joint account holder. He went to the Wells Fargo branch located on XXXX XXXX XXXX XXXX XXXX, AZ XXXX. He gave my account number to the teller advised her he wanted to make a payment for {$260.00}, which she refused. The teller proceeded to tell my husband thats the amount due to bring the account current was {$390.00}. My husband was not aware the line of credit was past due. Not only was that information innacurate but she made my husband aware of the delinquent status of my account. This is unacceptable. I have that right to privacy. This created an argument in my household that could have been avoided had my privacy been respected.
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. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA XXXX XXXX XXXX a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

FCRA found that Equifax Information Services violated the federal fair Credit Reporting by failing to conduct sufficient dispute investigations and ensure the maximum possible accuracy of the reported data. FCRA, constantly forward data often fails to adequately communicate the full scope of the FCRA which requires consumer agencies to investigate the accuracy of disputed information and takes steps to ensure consumers ' credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. FCRA, flawed on dispute practices and software coding, along with other failures, has caused false or incomplete information to remain on thousands of consumer reports that Equifax furnished to third parties. The FCRA reported my credit and failed to inadequately communicate the full scope of the problem. I would like for these following accounts to be removed immediately from my credit report : XXXX XXXX XXXX : XXXX, National Recovery Agen : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone has sent me money with XXXX and Ive never received it. I always received money on XXXX and they never received it
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for the mishandling of disputes on my credit report, which I believe violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute to Experian via their online Document Upload Form, contesting the accuracy of the following items on my credit report : Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, and an unrecognized inquiry from XXXX XXXX Bank dated XX/XX/XXXX. Additionally, I disputed incorrect and outdated personal information. 

On XX/XX/XXXX, I received notification from Experian to review my dispute results online. To my dismay, the public records remain unchanged, only the personal information was updated, and there was no resolution regarding the inquiry. 

Experian claims that the company reporting the public records certified the accuracy of the information. However, I previously contacted XXXX, the third-party vendor providing public record information to Experian. I received a response from XXXX dated XX/XX/XXXX, confirming they filed a dispute with Experian on XX/XX/XXXX and removed the disputed information from my XXXX file. XXXX also noted that as of the date of the letter, they had not received any response from Experian regarding the dispute. Consequently, it's evident that Experian 's claims of receiving certification from XXXX are questionable. Given that these public records are not present in my XXXX consumer report, Experian could not have received certification about their accuracy. Moreover, Experian 's lack of response to XXXX indicates that these public records are unverifiable. 

I have enclosed copies of my dispute sent to Experian, the investigation results from Experian, and the response from XXXX for your review.
Product: Credit reporting or other personal consumer reports

After i found out i was a victim of identity theft, i contacted the bureaus and they told me how to remove the fraudulent accounts from my credit, however they havent removed anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was showing on my report named XXXX  XXXX XXXX XXXX. A credit card that was closed and paid off. two of them XXXX and XXXX  XXXX  are both closed accounts, XXXX has a duplicate account and should be removed and they are reporting as still open with the bureaus. They keep telling me that it is accurate when i have proof that it is not and its hurting my score and i keep being denied from other credit card companys. I disputed a auto account that also is incorrect, This account is showing as a duplicate account called XXXX XXXX this account was bought by XXXX XXXX and these two accounts should be merged and not seperate in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information regarding this account fails to report completely. I do not recognize this account. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

zip codes that were deleted was never there to begin with : FCRA violations names and address not mine : FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. XXXX, XXXX  and Transunion removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at XXXX. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. XXXX sent me a letter asking for my drivers license and social security card, I submitted the information to them.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding closed collections accounts that continues to appear on my credit report. The details of my complaint are attached to this letter on the next page. Under the Fair Credit Reporting Act ( FCRA ), I believe that the continued reporting of these closed collections accounts are inaccurate and unjustly affecting my credit score and financial standing. This has had a great impact on my life in trying to move forward and better my family as a military dependent. Despite my efforts to resolve this issue with the credit bureau and the collection agencies, the accounts remain on my credit report. 
Enclosed with this letter are copies of my identification, a copy of my credit report highlighting the closed collections account, and any correspondence related to my dispute with the credit bureau and the collection agency. 
I request that the CFPB investigate this matter and assist in having the closed collections accounts removed from my credit report.
Product: Debt collection

On XXXX/XXXX/3023 I've rwcieved an email regarding a change to my XXXX consumer report. Upon checking I noticed that the company by the name of XXXX XXXX XXXX had unlawfully place a collection account on to my report. Per law I'm requesting that this company provides me with notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).
Product: Mortgage

I had to have XXXX in XX/XX/2016, XXXX months after purchase of my home. I fell behind in payment for that month, but continued to pay accordingly. Call US Bank XXXX, MN, for assistance, they stated they are unable to assist me unless I 'm behind on payments. 
I pay my mortgage on the last day of the month, then the XXXX of the next month I 'm considered late and am now accessing late payments. They kept giving me choices that were not feasible for my situation. ( i.e Forbearance for a couple months with a lump sum at end ... ) Unable to catch payment up. I even asked if I could pay XXXX and XXXX weeks later pay other they declined .So I had to assist an XXXX bureau in order to get any type of real assistance with account, well I 'm in a modification now, now they are requesting information that supposedly verification of employment can not provide. I have supplied verification of employment numerous times and they are not accepting what is being provided. I advised XXXX that the company states the job verification line supplies the info, they do n't want to piece the information together. I asked if my job is unable to supply the information due to their ( corporation ) policy what is next step? We will have to remove you from program. This is assistance to someone that has requested help before it got to be too much, had medical issues, and is just trying to keep her home.
Product: Debt collection

I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus XXXX as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling 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 failed to investigate claims adequately. The CFPBs findings indicate that Zelle has not only neglect to protect consumers but also allowed repeat offenders to exploit the system.
Product: Credit card or prepaid card

-On XX/XX/XXXX I received an email from my credit card monitoring service regarding a new inquiry on my credit report. 
-On XX/XX/XXXX I called my credit card company to inquire about the message I received. 
Per the representative at my credit card company I learned that Capital One was the company that made the inquiry. I was given a case # and a time frame of when to expect a return call from my credit cards Fraud department. 
-On XX/XX/XXXX I received a call back from my credit cards Fraud department where I was informed that my name, social security number and home address were used to apply for a credit card. The phone number that was used on the credit card application is an unrecognized number and the address information didnt include my specific unit number. 
-Capital One was contacted and they stated that the credit card application was approved. Capital One frauds department cancelled the credit card and started an investigation into the matter. No activity was seen on the card to date. Results of the investigation are now pending. 
-In addition, my credit card fraud representative put a 1yr fraud alert on my account as well as a security freeze. I was also provided information on how to ensure : 1.All 3 major credit bureaus have been notified and proper security measures have been put in place. 
2. Where and how to report the fraudulent application to the FTC.

3. Follow up steps to extend the 1yr temporary fraud alert to 7 yrs.
Product: Vehicle loan or lease

In XX/XX/XXXX, I became aware of a 30 Day Late derogatory mark on all three of my credit reports ( XXXX, XXXX, XXXX  ) on a loan I am the cosigner on held by XXXX XXXX XXXX for the month of XX/XX/XXXX. The loan was paid on XX/XX/XXXX in the amount of XXXX dollars before the due date of XX/XX/XXXX. I alerted XXXX  ( XXXX XXXX XXXX ) of this error on XX/XX/XXXX via their live web chat customer service portal. The agent explained that there was nothing he can do, because XX/XX/XXXXhad 31 days in the month the payment was still late despite the actual due date on the mailer being XX/XX/XXXX. I explained to the agent regardless of XX/XX/XXXX having 31 days in the month that the payment due date on their mailer stated XX/XX/XXXX due date, as long as the payment was submitted before this date the derogatory mark should never have been placed on our credit report. The agent held firm to his position which is why I have engaged the CFPB to assist me in arbitration with XXXX  ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I first attempted to dispute inaccuracies on my consumer report through Experians online system but was unable to do so. I then sent formal dispute letters requesting that my personal and private information be updated accurately, all outdated information be removed, and hard inquiries without permissible purpose be deleted.

Additionally, I demanded that Experian validate every entry they allow on my consumer report and provided them more than 30 days to comply. Experian failed to meet their legal obligation to conduct a proper reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
There are multiple entities reporting inaccurate and fraudulent information on my consumer report, yet Experian has not fulfilled its duty under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. They did not conduct a reasonable investigation and failed to remove the disputed information.

I am providing attachments as evidence of my dispute history and Experians noncompliance.
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 1 5 USC 1681. 

XXXX. XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Checking or savings account

On XXXX XXXX I had Investor 's Bank, XXXX XXXX, N.J. withdraw {$6400.00} from my savings account and make a certified check out to XXXX XXXX Visa. XXXX claims this check was never received and is now missing for over 5 weeks. Investor 's REFUSES to put a STOP payment on this check UNLESS XXXX signs a form saying it wasn't received. XXXX customer service told Investor 's Bank manager XXXX XXXX they WILL NOT SIGN ANY FORMS. INVESTORS now refuses to put a stop on this certified check and reimburse my account. I want a stop payment put on this " missing '' {$6400.00} check and my account reimbursed ( I will do an electronic transfer in the future ). 

XXXX XXXX Investors Bank. XXXX XXXX ( tel. )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my XXXX  credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.
Product: Debt collection

I was in the custody XXXX and at the time of my arrest I was injured. I was first taken to jail, and then transported to the emergency room for treatment. 

Upon my release, I was billed for a total sum of around {$5500.00} I communicated with the hospital 's billing and let them know that I was in custody and XXXX was my legal custodian, and thus legally responsible for the bill. 

The bill was broken into partsXXXX. A {$310.00} collection was sent to the credit bureau. 

I have communicated this to all XXXX credit bureau, and well as the collection agency that is reporting to the bureaus. This debt has been written off in bankruptcy, but is a derogatory remark on my credit report.
Product: Debt collection

I got a call from number XXXX or XXXX claiming to be XXXX & XXXX XXXX out of XXXX, CA saying I had a debt and they were going to sue me if I did not talk to them
Product: Credit reporting or other personal consumer reports

Im seriously frustrated right now after checking my credit report and finding a mistake thats messing up my score. This is making everything hardergetting approved for loans, facing ridiculous interest rates, and its just unnecessary stress I shouldnt have to deal with.