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

On XX/XX/XXXX I contacted Experian about the following fraudulent accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} ), XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ). Experian failed to investigate and remove these fraudulent information on my credit report. Attached is the dispute I sent to XXXX on XX/XX/XXXX
Product: Debt collection

I have reached out to CarMax about a repo dated XX/XX/XXXX. 
The amount of the fees is additional XXXX Total debt is XXXX They are updating the account EVERY MONTH refreshing the account as an active repo. Stating the last payment made was XX/XX/XXXX. It makes other creditors think it just happen and bring my score down.
Product: Debt collection

In XX/XX/2019 I moved from the XXXX XXXX to XXXX. Prior to that I had mobile phone service with XXXX. I kept my number with XXXX for some months while I was settling. Once I determined I was going to stay in XXXX long term, I paid my final bill, and canceled my account. I double checked that the account was canceled by attempting to log in, and the account was closed. 

In XX/XX/2019 they sent me a letter for {$140.00} ( letter attached ). The letter stated I could dispute the validity of the debt, which I do, since I paid my final bill when I canceled the account. I wrote them a letter, and then they responded by email, saying I could call them or they would respond in writing. I wanted them to respond in writing showing why they thought I owed them more money. They said they would do that, but they never sent me another letter. Instead they gave the bill to a collection agency. 

I then disputed the bill with my credit agency. They refused to send the outcome of their investigation to XXXX, but the bill dropped from my credit, so I thought the matter was settled. 

Recently however a new agency has obtained the debt. I still can not get anyone to send me a letter stating why they believe I owe them money, and the credit reporting agency won't send anything to XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> & noticed somethings are inconsistent and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro XXXX formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *See attached screenshot of all 3 credit reports
Product: Student loan

Edfinancial Services has not updated my student loans account to include my " SAVE '' program information and is demanding payment even though my payment should be set to 0. I have attempted to contact them on multiple occasions however the customer service makes it incredibly challenging to get through to a real person. Additionally payments are set to renew soon and the fact that their incompetence comes so close to the deadline is worrisome for the hundreds of thousands of borrows relying on the programs benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit report supplied by Experian shows XXXX XXXX XXXX, Name ID # XXXX as a name included in my personal information. This person is not me. The name is not an alias for me. I have never used that name for any reason. 

In addition, there is an address in my personal information of XXXX  XXXX XXXX, NH XXXX. I have never lived at that address. 

The name XXXX XXXX XXXX, and the address XXXX XXXX XXXX, XXXX NH XXXX need to be removed from my credit report. 

In providing a copy of my credit report, the only recourse Experian offers to correct inaccurate information is to file a dispute of inaccurate information with your agency. 

Please assist me in removing this person 's name and address from my credit report.
Product: Mortgage

I had a Bank XXXX mortgage in good standing until XXXX XXXX when the bank failed to post a payment for that month ( XXXX XXXX, we later learned the check had not cleared our bank ) and subsequent payments made on time, were credited to the previous month, making the current month to show delinquent. Bank XXXX transferred our loan to Resurgent Mortgage in XXXX XXXX and Resurgent discovered the mistake and other posting errors that showed the account 60 days delinquent and reported to credit agencies, destroying my credit. The documentation was finally obtained from BA in XXXX XXXX and resurgent offered to do a Loan Modification in order to bring the account to 'current status ' providing we made two months payments for XXXX XXXX and XXXX XXXX, which I made. We completed the Loan Modification documents and submitted them to Resurgent in XXXX XXXX and was advised not to make any further payments until we received the Modified Loan documents. Subsequent communication with Resurgent was not possible by email, fax or phone and we never received the Loan Modification. On XXXX XXXX, XXXX I received a Certified Letter from Shell Point Mortgage Servicing notifying me my home was scheduled for foreclosure on XXXX XXXX, XXXX. My attorney and I made several attempts to resolve the delinquency of {$280000.00} but we informed they could not respond until they officially received the Loan Modification documents which we had send via email on XXXX XXXX and again on XXXX XXXX. On Friday XXXX XXXX we were told they had not received the documents and the five day provision for stopping the foreclosure has passed and the foreclosure could not be stopped. My attorney advises my only alternative is to file personal bankruptcy to stop the foreclosure, which I intend to do.
Product: Checking or savings account

I want to report that I am a victim of identity theft/fraud. I was contacted by TD Bank on Friday, XX/XX/2022, informing me of a negative balance on my account. I told the representative that was impossible since I did not have an account with TD Bank. I was asked to verify my information, which I refused. I asked the representative to verify her information on me, which she declined. I then informed her to send me the information in writing. 

On Tuesday, XX/XX/2022, I received a letter from the bank. I immediately rushed over to the bank in my area. I was informed that TD Bank had already closed the account. Not only was the account closed, but the subject paid the overdraft fee. I was provided with information to report to the three credit bureau agencies, FTC, and Social Security fraud line. The teller also told me that I was not the only person that has reported on identity theft/fraud. The bank seems to have a high number of fraudulent activities. 

After leaving the bank, I went to the XXXX XXXX Police Department and filed a report. I was advised of the same reporting. The officer also told me that they had increased reports from individuals reporting the same situation with TD Bank. 

I contacted TD Bank Fraud Department, reported the matter, and requested more details. I would need to wait until the investigative team completed the investigation and provided me with the report, which should provide me with more information to report to the respective agencies.
Product: Credit card or prepaid card

On XX/XX/22, I received a letter from Target dated XX/XX/22 that an application for a credit card from their store was denied- I did not apply for a Target credit card. I called the number listed on the letter ( XXXX ) and gave them the application ID on the letter ( XXXX ). Their representative looked up the application and someone applied for a Target credit card online on XX/XX/22 using my name and address but using a different phone number, driver 's license, and email. The email address they used was XXXX, the last XXXX digits of their phone number listed was XXXX, and the last XXXX digits of their driver 's license listed was XXXX. None of that is my information except they used my actual name and address. Target said they will put a fraud alert on this application and suggested I visit the identifytheft.gov website and follow the steps.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

I am trying to get a tax lien removed from my credit report. This tax lien is on all XXXX of my credit reports. It is paid in full.
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 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 was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams, this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Without fail, I've maintained timely payments on this account, ensuring they never lapse into overdue status. I'm puzzled by the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections ought to be made.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank employee ( Branch Manager, maybe ) refused to provide service and asked me to leave the bank because they where closing even though I was at the bank prior to closing time and they were still working with other customers. He refused to tell me his name when I asked him, also refused to give me his business card as he lead me out and locked the door. Please let me know if there is anything you can assist me regarding this issue. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX/XXXX
Product: Consumer Loan

my problem is with chrysler capital. The day XXXX XXXX, my car XXXX XXXX and was a total loss. the manufacturer does not want to pay and this in court by the Lemon Law. I kept making payments for automatic debits chrysler capital. and they reported that I am 60 days of nonpayment, and my credit under XXXX points which is very bad. I took 3 months in this situation and they just say sorry and I will fix it. THANK YOU VERY MUCH FOR YOUR HELP
Product: Debt collection

I am a victim of identity theft and have filed all necessary documents of proof however the credit collection agency is still reporting derogatory information to my XXXX File which is damaging my credibility for a home loan
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts are completely accurate.Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act... The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 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 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.. 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. 1681 c. ( 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. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

This is in regard to my XXXX XXXX mortgage # XXXX. I have had this account for more than 10 years and have never paid late up until an incident that occurred late XX/XX/XXXXthrough early XX/XX/XXXX. XXXX XXXX, incorrectly reported more than 30 days late to the credit bureaus for the following months and charged late fees as well that totaled to {$240.00} : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX I had never been late in past decade with my mortgage. There was identity theft in my bank account that happened and I had to switch the method of payment, because there was a technical servicing error on XXXX XXXX XXXX side ( I wasn't able to make online payments ). I called several times and was on hold for hours, finally I made my payment over the phone, for some reason there was a delay and for the 7 consecutive months they reported late to my creditors without alerting me first. I filed a formal complaint with them and the executive office incorrectly stated that there were no servicing issues on their end and also cited the incorrect dates of negative reporting. The letter was signed by a case specialist named XXXX XXXX ( Home Lending Executive Office ) My credit report is very important to me and since this happened I had my score drop. As of today I have been furloughed from my employment and it is imperative now more than ever to have my credit score adjusted for their mistake. I am also recovering from XXXX XXXX as I had the symptoms for 3 months. I need to have my credit score restored in the event I need to use credit for a medical emergency, since I no longer have the health insurance I had while I was employed. 

Thank you,
Product: Credit card

I opened a secured credit card with my own money with Capital One and later decided to close the account because they were charging high interest on my own money. They close the account and report a balance of XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus, letting them know i have never been late with XXXX i have always been on time with all my payments. They stated they will fix it and never have. This has been an ongoing situation that has affected my purchasing of home for me and my family. The law prohibits false information to be reported on my credit bureau. It's been over 5 months no changes have taken place i will soon file a law suit against the credit bureaus. This affect my consumer rights, violation of fcra, fdcpa, and consumer rights. I demand this information be updated a late status be removed immediately. 

Creditor : XXXX XXXX XXXX Bank accnt # XXXX date opened : XX/XX/2016
Product: Debt collection

For the past 6-7 years I have reached out on multiple attempts and explained this and at one point they took it off but then I kept receiving the same thing in the mail and email. I have placed a police report letting them know this was identity theft. That them and other phone companies used my information my name my old ID when I was in my college years that someone took my information and placed multiple phones and lines in my name. If they look when I spoke to them the address and phone numbers does not match my old addresses and phone numbers. This was identity theft and a police report was filed. I want this off my credit report immediately.
Product: Debt collection

For the past 4 years I have been requesting additional information pertaining to my credit report and a collections debt with Diversified Consultants and the Collections agency would take it off without providing the information I would request but then it would reappear.I then reached out to Diversified Consultants and they told me I had to reach out to the original creditor which was XXXX and I was required by XXXX to send a notarized statement of dispute due to identity theft along with additional information stating that I was a victim of Identity theft. On XX/XX/XXXX I sent all required information XXXX requested. I included a copy of the notarized statement of dispute, proof of my address at the time the account was opened ( which I was told by the collections agency that it was XXXX but they could not provide a specific date ), a copy of my XXXX Tax Return ( which I was a resident of the state of Georgia when the account was opened according to the year they provided. ) and a copy of the police report filed on XX/XX/XXXX confirming that I was a victim of identity theft due to my wallet being stole in a XXXX parking lot in XXXX, Ohio. On XX/XX/XXXX XXXX  sent a correspondence stating that my fraud claim was denied based upon possible reasons concerning account information. On XX/XX/XXXX I sent a request asking XXXX to verify exact what it was that caused for my claim to be denied so I could know what steps I would need to take next and also because it my right according to the FCRA to know and understand why I am liable for the debt when my identity was stolen. XXXX then replied on XX/XX/XXXX asking for a notrized copy of my ID and a copy of the police report in which I all required information again on XX/XX/XXXX. I recently received my most recent correspondence from XXXX Fraud Managing stating that my claim was again denied and it was the same denial that was sent on XX/XX/XXXX in which they provided me with no additional information on my fraud claim but only the reason why it may have been. this has caused me an extreme amount of mental and emotional stress and it has also caused me to be denied for many credit opportunities. I am sending in all documentation requested and they are sending me the same request each time. Can you please
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the information on my Equifax credit report, as I believe my personal information has been compromised due to recent data breach. 
I have recently become aware that my personal data, including but not limited my name, address, and social security number, may have been exposed in the data breach. As a result, the information on my credit report may be inaccurate or fraudulent. My details are as follows : XXXX XXXX Date of Birth : XXXX SSN : XXXX Equifax Report Number : XXXX In light of this, I kindly request that you conduct a thorough investigate and correct any inaccurate or fraudulent information on my credit report caused by the breach. I also request that you provide me with an updated credit report once the dispute is resolved. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to correct negative accounts listed on my credit report. they are in violation of the FCRA.