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

I disputed 2 entries on my credit report maintained by XXXX Credit Bureau in XX/XX/2023. After their investigation, they concluded the two entries had been verified. 

On XX/XX/2023, I sent XXXX Credit Bureau a certified letter requesting they provide me with the description of the procedure used to determine the accuracy and completeness of the information that I had disputed. 

I also requested they provide me with the name, address, and telephone number of each person contacted regarding these alleged accounts. I also requested copies of any documents they were provided, bearing my signature, and confirming a legally binding contractual obligation that I am responsible for the two entries on my credit report under dispute. 

On XX/XX/2023, XXXX delivered the results of their reinvestigation, claiming that my requests were complete. The final line of their reinvestigation said that an XXXX  specialist determined " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. 

First of all, XXXX provided me with none of the information that I requested, including : DID NOT provide me with a description of the procedure used to determine the accuracy and completeness of the information being disputed DID NOT provide me with the name, address, or telephone number of persons contacted regarding this dispute DID NOT provide me copies of any documents, WHATSOEVER, confirming the 2 entries on my credit report they maintain under my social security number Second, for the last line of the reinvestigation to read " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' when these 2 entries are CLEARLY ON MY CREDIT REPORT, have been for some time, and have not been removed by the collection agency OR XXXX. 

I can not count the number of violations of the Fair Credit Reporting Act that have taken place here. This is a gross abuse of power, negligent enablement of identity fraud, and defamation, and is causing me great financial harm by these 2 entries being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report linked to identity theft. I formally demand the immediate blocking and removal of these accounts from my report, as I never provided written authorization or a wet signature for their inclusion. 

These fraudulent entries have caused me significant distress, both emotionally and financially, by misrepresenting my credit history and obligations. They have impeded my ability to achieve crucial financial goals, including purchasing a home and providing for my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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 : CHILD SUPPORT ACCOUNT NUMBER XXXX XXXX has violated my rights Account name : XXXX XXXX  Account number : XXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  Account numberXXXX has violated my rights Account name : XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX  XXXX Account number : XXXX has violated my rights Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights Account name : XXXX Account number : XXXX has violated my rights Account name : XXXX  XXXX Bankruptcy Account number : XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming 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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

company reduced credit limit again causing my score to fall due to utilization level, XX/XX/XXXX V {$900.00} they did same last year, XX/XX/XXXX, V {$300.00} they did this after I accepted an offer 0 % apr thru XX/XX/XXXX. 
I never missed a payment with them, 37 months & counting. 
I do not use the card, therefore denying them interest.
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 that tracking these transactions was infeasible. The CFPBfindings indicate Zelle had not only neglected to protect consumers but had also allowed repeated offenders to exploit the system leaving users vulnerable to scams.
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 consume rights to privacy and confidentiality under 15 USC 1681. 

Account Experian # XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with XXXXXXXX XXXX XXXX XXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to XXXX as well.
Product: Prepaid card

Multiple unauthorized transactions for a website that looks sketchy. I tried calling the number on the back of my card but couldnt get past the automated system because I didnt know the zip code associated to the card ( I tried my own and the companies zip codes neither worked ) I believe what may have happened is that when originally checking balance on my card, I input the card information that looked similar to the url on the back of the card but wasnt exactly the same ( XXXXXXXX  instead of XXXX ) Charges were as follows XX/XX/year> Purchase Original Sale XXXX... 
XXXX XXXX CA XXXX XXXX - {$40.00} XX/XX/year> Purchase Original Sale XXXX 
XXXX XXXX CA XXXX XXXX - {$13.00} XX/XX/year> Purchase Original Sale XXXX 
XXXX XXXX CA XXXX XXXX - {$43.00} XX/XX/year> Purchase Original Sale XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX - {$100.00} None of the charges on the card were taken by me
Product: Checking or savings account

On XX/XX/2023 a cash withdrawal of {$400.00} and a withdrawal of {$510.00} was taken from my account by using an atm machine. It was a deposit of my wages earned from my employer. I disputed the transactions they were denied. I also with to the local authorities about the transactions. This number XXXX claim to be a representative of the company. I also appealed the denial request and they denied it again. I am out of money in which were for my bills.
Product: Credit reporting or other personal consumer reports

Accounts not mines. Need them removed. These items have caused severe hard to my reputation, my character, my mode of living and to my family! I need the following accounts deleted. 

XXXX XXXX account number : XXXX account total : {$2300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  account balance : {$1600.00}
Product: Debt collection

Disputed account with XXXX- XX/XX/2021 Received a response from Self Financial asking to email the resolutions team- XX/XX/2021 Contacted Self Financial Inc about an account on my credit report. I was sent an email stating that they could not find my account and to contact their resolutions team at XXXX with the account number or the last 4 of my social. I contacted them via email and was told that my account could not be found, because the email address that I was writing from is not what they had on file. I asked what needs to be done, and they asked for me to call Self and get it taken care of.- XX/XX/2021 I called Self Financial and received the run-around, saying that they could not find the account, after giving them my full social and personal information. The representative then sent me over to XXXX to dispute the account, and XXXX just updated the information. I have been getting the run around with this company for months with no means of verifying the debt is mine. I need this item deleted from my credit report immediately. - XX/XX/2021
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  Account Number : XXXX Account Name : XXXX 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 Account Number : XXXX and list of Inquiries. 

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: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX Georgia XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Request for Validation of Debt Under 15 U.S.C. 1681 ( b ) Dear Sir/Madam, I am writing to formally request validation of the debt referenced by your records, as required by the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( b ). I am seeking clarification and verification of the debt related to my account, which is currently being reported as either in collections or marked as closed.

Under the provisions of 15 U.S.C. 1681 ( b ), I am entitled to receive the following documentation and information : 1. Details of the original creditor : The name and contact information of the original creditor to whom the debt was originally owed.

2. The full amount of the debt : A detailed statement of the amount owed, including any interest, fees, and other charges that have accrued since the original account was closed or placed into collections.

3. Proof of ownership of the debt : A statement verifying that you are legally entitled to collect this debt and that it has not been transferred, sold, or otherwise assigned to another party.

4. Account history : A complete history of the account, including the original account number, balance at the time it was closed, and a breakdown of any charges applied.

5. Documentation confirming that this debt has not been settled or discharged : Proof that this debt has not been satisfied, written off, or discharged through bankruptcy or any other means.

I request that you provide me with this information in writing within 30 days from the receipt of this letter, as required by the law. Please note that if you fail to validate this debt within the allotted time, you are required to remove it from my credit report in accordance with the Fair Credit Reporting Act.

If this account was closed or discharged, kindly provide documentation supporting this status and the closure of the account. If this account is a part of any ongoing dispute, I request full details and documentation regarding that as well.

Please be aware that I am aware of my rights under the Fair Credit Reporting Act, and I expect a timely response to my request. Any failure to comply with my request will be considered a violation of federal law, and I will take all necessary steps to protect my rights.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent to Equifax. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and needs to Remove : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Mortgage

Complaint # XXXX Submitted and never resolved even though the Bank of America sent me two letters saying they had submitted correct information and consider my dispute resolved. They continue to have a misapplication on this loan and none of my payments have been applied and do not show a reduction of principal since XX/XX/2021 ( for the last 6 months ). Do not have any contact with anyone who will try to help me. They are taking so long to correct this issue and I am afraid that my funds will be not be applied correctly. Arent they out of compliance with the law re corrections on loan applications? Please help to get this resolved quickly. They are just taking all their time to correct this misapplication. ( now 6 months )
Product: Credit reporting, credit repair services, or other personal consumer reports

requested that experian remove XXXX XXXX from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof of what the vehicle sold for, ie bill of sale. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.
Product: Credit reporting

There is an count on my credit report that I have disputed before. I have requested to see the proof provided to the credit bureau to provide proof of debt and I have yet to receive this information to date.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX and sXXXX XXXX XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that some inquires on my account that i didn't authorize
Product: Mortgage

For over two weeks I have been attempting to file a successor of interest modification for my loan. My ex is off the title, I have been making payments by myself for 5 years, the deed of trust has been fully reconveyed. I submitted divorce decree, property settlement, quit claim deed, record of reconveyance to Newrez. All I want to do is remove my ex 's name from the mortgage. 
XXXX XXXX XXXX, mortgage consultant, informed me that I would have to submit an assumption of the loan. My loan is not assumable. He told me the only way to remove my ex from the mortgage is to refinance. 
XXXX Servicing department told me a successor of interest can only be submitted when a borrower has passed away. 
XXXX XXXX XXXX told me they had to get my file over to assumptions, that an assumption was the only way to do a successor of interest. 
XXXX Supervisors XXXX XXXX don't have last name ) ( servicing ) and XXXX XXXX ( loss mitigation ) communicated that a successor of interest can only be done in cases of someone on the loan passing away. I quoted guideline from CFPB Definitions 1024.31 line 4 that spells out successor of interest may be used in cases of divorce. Both were convinced that I was reading the regulation incorrectly, and that a refinance is the only way to remove my ex from the mortgage because the loan was set up between the loan company and the two of us.

There are at least 2 different occasions I talked to newrez employees who were convinced that a successor of interest is only for cases when a borrower has died, but I didn't log the date and time of those calls.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : - XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX