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

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The accounts in question are as follows : 1. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX  XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX XXXX : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report.

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on f
urnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this se
ction emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX  is listed on my credit report. 
Pursuant to FCRA section 609 A1 I request all information on file concerning this account.
Product: Mortgage

Summary : NewRez ( mortgage servicer ) owes me a {$720.00} refund due to duplicate property tax payments being made to XXXX XXXX ( Arizona ). 

NewRez was my mortgage servicer for a property I purchased on XXXX. 

Due to interest rates dropping, I refinanced that property ( close date of the refinance : XX/XX/scrub>XXXX ), causing my mortgage servicer to change from NewRez to XXXXXXXX XXXX 

Property taxes for XXXX XXXX were due on XXXX 

In relation to purely the refinance ( separate from NewRez ), XXXX XXXX is the title company that insured and disbursed the funds for my refinance transaction for XXXX XXXX. On 1XXXX XXXX XXXX received a {$720.00} payment that cleared from XXXX XXXX to pay the property taxes due on XXXX {$720.00} was the full amount owed in property taxes. XXXX XXXX XXXX XXXX  on XXXX  called the XXXX XXXX XXXX collector and the County confirmed that the payment received on XXXX  was from XXXX XXXX XXXX. These funds were taken from my refinance closing costs ( image of the Property tax section in my " Other Costs '' section of my refinance docs attached ). I've also attached a screenshot of confirmation of these events from XXXX XXXX - confirming the XXXX XXXX  stated the property tax payment received on XXXX was from XXXX XXXX  not NewRez.

NewRez ( my previous servicer ) on XXXX took {$720.00} out of my escrow account ( as on XXXX  they were still my mortgage servicer - as of the next day XXXX they were not ) and automatically sent out that amount to XXXX XXXX  even though those funds had already been sent by XXXX XXXX  due to the refinance ; hence, the duplicate payment. ( Attachment of my escrow account balance showing the deduction is attached ).

When XXXX XXXX looked into this matter ( to determine if XXXX XXXX  or NewRez made the duplicate payment ) and contacted XXXX XXXX XXXX XXXX  stated the County stated they received a 2nd payment in the amount of {$720.00} on XXXX. This 2nd payment was rejected as the payment from XXXX XXXX XXXX XXXX had already been cleared and received on XXXX ( this was confirmed by XXXX XXXX  ). The 2nd payment could only have been made from NewRez ( as no other payment was made by XXXX XXXX  ) and was the amount taken from my escrow account.

To clarify, XXXX XXXX XXXX XXXX paid {$720.00} in property taxes owed to XXXX XXXX out of my refinance closing costs which cleared on XXXX. NewRez took {$720.00} out of my preexisting escrow account on XXXX which cleared on XXXX to pay XXXX XXXX XXXX XXXX rejected the 2nd payment of property taxes made by NewRez as they had already received the funds from my new title ( XXXX XXXX ). This 2nd payment made by NewRez was a " duplicate '' tax payment but still taken from my escrow account and has not been refunded to me.

I've contacted NewRez for 2+ months to refund me the {$720.00} taken out of my escrow account and I have only been passed around to various representatives. I have not received confirmation that I would receive a refund despite it being explicitly clear that an excess payment was made on NewRez 's behalf and that I am owed the {$720.00} taken out of my escrow account.
Product: Debt collection

I have contacted this company, I monitor my credit with XXXX and discovered that this company was reporting a debt that i had disputed with another debt collection due to the validity of the account. I never had the account, I ask for the representative to give me proof of the account being my own and they sent a bill which when asked for Government Identification that was used to open the account they can not present any. This account reported is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

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 or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.
Product: Payday loan

I took out a loan of {$800.00} with the Big picture loan people and was not made aware that the interest was to be 774.350 % .. At this time, I 've made XXXX payments of {$280.00}. At this rate, the payments I would need to make would result in a total of {$6800.00} for an {$800.00} loan.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I disputed to the credit agency to remove because the loan was written paid off balance of XXXX paid and also close
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in reporting an account that I have disputed for years. I have contacted the original company and secured documentation that the account is a workman comp account that workman 's comp insurance was responsible to pay and has.

I called XXXX XXXX ( collection agency ) and they confirmed and advised that they would request deletion. That was in XX/XX/2017. In XXXX, I asked for confirmation of the request or at least acknowledgement of the intent and reason, but they refused. That is against company policy according to customer service on more than one occasion. My goal was to secure documentation from them to provide to the credit reporting agency, In the meantime, I disputed this account more than six times and every time XXXX XXXX XXXX verifies the account as accurate. They continue to do so. 


I reported them to your agency and you believed that they were doing everything they could. you closed my complaint against the so now I'm requesting assistance with the credit reporting agency. They continue to report the account even after I provided documentation from the original company supporting my request to have item removed. 

XXXXXXXX XXXX XXXX to verify as accurate and Equifax refuses to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account number 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Two unauthorized hard inquiries from Bank of America ( BOA ) shown in my credit report of XXXX on XX/XX/2022 and XX/XX/2022. I placed the fraud alert immediately on XX/XX/XXXX and filed an identity theft report through FTC. Then, BOA sent me a written letter around XX/XX/XXXX, informing me that they are working on my credit card application, which I have never applied for. I contacted BOA immediately about this but they have no idea what is going on. 
For the unauthorized hard inquiries in XXXX, it had been resolved through XXXX. However, Bank of America never gave me an update even though they promised me that they would investigate this issue. For the XXXX XXXX, I have filed a dispute through XXXX but have not been able to contact BOA because it takes at least 20-30 minutes to put through the call with a real representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX where I was TOLD I qualified for a GRANT. My mother was with me and we qualified financially for the grant. Never was I told that I would be in debt for this amount of money. I was without a job or practically homeless at the time - there is no way I would have qualified for a loan of {$18000.00} dollars. The person that enrolled me hasn't been there for years. She absolutely told us it was a " XXXX XXXX '' that we would not have repay due to our financial situation at the time. For 10 or so years now I've been penalized for something that I did not have any knowledge of. It's time for this to be taken care of properly. This was fraudulent and presented with malice and absolute false representation by the admissions counselor at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily had them repossess it in XXXX still not showing as repossessed to this day in XXXX. Tried filing disputes multiple time but no luck. Kind of tired of it being shown incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent certified letter to CRA 's for them to DELETE all the Inaccurate and Incorrect personal information from my consumer reports. CRA 's has failed to respond back appropriately by Updating my Consumer Report with 1 correct name, 1 correct address, 1 correct employer, and correct SS #. As a valued consumer this is causing emotional and physical hardships for my family and I. This is unacceptable Per federal law they're in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue. 

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well. 

Please find my updated contact information, and update it inside the personal statement ( s ), and such! 

Best Regards, XXXX
Product: Vehicle loan or lease

I am a low income minority customer. I went to XXXX XXXX XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX  XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX. 
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with Santander Bank XXXX Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out Santander is in on the whole scheme. Santander 's business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. Santander is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans. 
Both the dealership and Santander are engaging in abusive harmful practices. The CFPB must act and shut Santander down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.
Product: Credit card or prepaid card

XX/XX/XXXX - Requested refund from XXXX. Was notified via email that we would receive cancelation quote XX/XX/XXXX - Received Cancelation quote of a refund for {$3700.00} for an original charge of {$5500.00} XX/XX/XXXX - We sent Cancelation confirmation after not receiving a response to our requests for an explanation on how the refund amount was calculated. 

XX/XX/XXXX - We contacted the merchant to ask that our trip be formally cancelled XXXX, XXXX and XX/XX/XXXX - No responses received to the emails sent XX/XX/XXXX - Uploaded supporting documents to Capital One XX/XX/XXXX - Additional documents uploaded. No notification was given that our previous documents were not usable until we called on our own to check on the status XX/XX/XXXX - Another email requesting update sent to travel agency and a generic email was received in response XX/XX/XXXX - Capital One mails a letter dated XX/XX/XXXX that says the timeframe has expired. Called them and said VISA won't accept documents. Contacted VISA and they said they have no limitations or restrictions and I need to contact Capital One. 

The travel agency has received refunds from the hotels/airlines and we have been charged by our financial institute for services which were never rendered. Capital One failed to provide us with timely notice for us to submit documents and on the multiple phone calls that we initiated, never notified us of the possibility that the timeline would not be adjusted in order to accommodate for a lack of response from the merchant. No documentation or notice was provided by Capital One that our original supporting evidence was not enough so that we could provide the necessary documents to resolve this.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit, highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies my financial institution along with Zelle did not investigate my claims adequately They informed me that recovering loss funds was impossible and tracking most transactions brought up was infeasible. The CFPB finding shows that sale has not only neglected the protection of its users has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit card or prepaid card

My wife and I purchased airline tickets through XXXX XXXX  pre-covid19. The airline cancelled the flight and stated they would refund. We made multiple inquiries with the airline to refund and they did not. We initiated a dispute with Chase. Chase is refusing to resolve the dispute and is stating we will have to pay for the flight that never occurred. The credit card itself ( Chase Sapphire Reserve ) advertises protection against this sort of situation and are still not resolving the issue. They are not only in violation of the credit card agreement, but in violation of consumer protections under the law. 

It has been almost 90 days since the airline cancelled the flight unilaterally and Chase is sitting on the dispute. We have made multiple inquiries and escalations and chase is not acting.
Product: Debt collection

I have repeatedly received calls from agents from Credito Real USA to my job. Each time I have instructed these individuals to not call my place of business concerning personal matters. Despite my requests, these agents have continued to call. 

On XX/XX/2019, a representative from XXXX XXXX XXXX XXXX actually came to my office to deliver a letter on behalf of Credito Real USA after XXXX on Friday, XX/XX/2019. The representative requested to take pictures of my vehicle in front of other suite owners in the building. That same day ( XX/XX/XXXX ) I sent an email to Credito Real USA instructing them not to contact my job. Today, XX/XX/2019, I received another call to my office number. 

Please advise.
Product: Checking or savings account

I can not get past automated menus at BMO Harris Bank @ XXXX XXXX XXXX XXXX in XXXX where the fraudulent {$5000.00} usd withdrawal took place On XXXX XXXX Dont know if they could help me, still working to get this fixed. But I know they cant help me if I cant get a human on the phone