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

XXXX  XXXX This is a cease to exist order. These accounts must be removed immediately being that they are fraudulent and inaccurate. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


I have hired a lawyer and fraud speciiast to now look at my reorts. I have frozen every report on all 3 credit bureaus. Im really taking a hold of my credit now being that I see the power. These accounts are fraudulent and were unauthorized in my name. PLease remove these asap. 


XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.
Product: Student loan

I have to continuously have my loan payment allocation corrected by calling or emailing customer service for XXXX XXXX. I have decided to end my auto-debit to see if that would make the payment easier, but it 's worse. Without auto-debit I have no way to schedule payments ahead of time, there is no option for scheduled payments with manual payments. I also do not have an option to have my extra payments go towards my principal loan balance. These extra-payments either advance my due date or go towards the next month 's payment. I have repeatedly told them in both emails and phone calls that I do not want my payments applied this way. This does n't seem to help, I still have to call and email to have it fixed. This was not a problem until XXXX transferred my loan to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed XXXX  XXXX Bankruptcy, on XX/XX/XXXX  I received discharge for all creditor. Experian is showing that I have 7 accounts all which was discharged on the bankruptcy as having balance on the accounts and pass due payments for more than 120 days.
Product: Checking or savings account

I was sent a letter from bank of America about an account that I never attempted to open, it was mailed to the valid mail address currently for me.i have no accounts open in XXXX as far as bank, or utilities. There should be no more than insurance from medical to bill as I can provide documentation to confirm current mail address :. XXXX XXXX XXXX XXXX XXXX, XXXX all other any other are subject of fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlining 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 also impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit their system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

The car was repo and carmax sold it. But they keep trying charge me for the full amount. 
Also they refuse to apply the SCRA in my account! 

Im a XXXX XXXX and this account was made before my XXXX XXXX status. 

If the information its incorrect the remark should be excluded of my credit report.
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. When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispue letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute lette ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}, AM XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, I was placed on the FHA COVID Forbearance program via Midland Mortgage because of income loss during the pandemic. I was told while on forbearance, therell be no negative reporting on my credit report. XXXX  forward to XXXX, I recently found a job that will help me pay my mortgage and was advised by Midland to apply for a partial claim to cover the balance thats in forbearance, in addition, while awaiting approval for the partial claim I will not be subject to negative credit reporting. I received the partial claim package on XX/XX/XXXX with a submission deadline of XX/XX/XXXX. 

On XXXX XXXX, I received notice from XXXX that I was reported for being over 120 days late on my mortgage. Please keep in mind that I was told continually that there wouldnt be any negative reporting during this whole process. So, I called the mortgage company to inform them of the issue and they said the decision to report the negative rating for the forbearance period was by the credit bureaus. They ( Midland Mortgage ) also said that they didnt send negative information for them to report. I contacted XXXX on XXXX XXXX and they stated it was Midland Mortgage that reported my account late. 

Unfortunately, no one is able to assist or willing to investigate the issue. Please see attached documents from Midland indicating forbearance and negative credit reporting protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I was looking for a rent using XXXX  and I liked a house I like, the landlord or scammer contacted me and because the house was 4 hours away from my current rent I signed up the lease and all the process online. I transferred him through XXXX {$3600.00} in differents transactions like {$75.00}, {$1300.00}, {$1000.00}, and {$1300.00}. He called me and say sorry someone else rented and he has another rent available for me but I claimed him my money back and he hanged me up, when I tried to call him back the phone says it was disconnected. His phone number is XXXX. 
I filled out a complaint with my back Wells Fargo and I didnt get any answer.
Product: Vehicle loan or lease

I got a car loan with Santander consumer USA in XX/XX/XXXX of XXXX. The vehicle was repossessed on XXXX of XXXX. They sold the vehicle never told me how much they sold it for and now they're coming after me for a balance of {$8400.00}. 

I am disputing the information under Section 623 of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate deletion from my XXXX credit file as XXXX and XXXX does not have the same information nor does have this account as a charge off. I have called them and tried to send them letters in the past couple of years never got any response with them and it's been already 7 years since the repossession and it's still negatively affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX. I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Home Loan was with XXXX without my knowlege trasfer my loan to XXXX XXXX XXXX XXXX  thgey took mutiple payment from my BANK account Give me trouble sionce very first day when i provide them my account number when i reauest to correct amount they increse more monthly payment when i request again they sent wrong info to credit beuaru my loan in modification my score down and impact my good XXXX make meesed up very unprofesional and incenane
Product: Vehicle loan or lease

Southeast Toyota finance incorrectly billed me for over {$500.00} and then reported to the credit reporting bureaus that I was delinquent in XX/XX/XXXX. 
This has hurt my credit score and caused a big waste of time. 
The incorrect bill for {$500.00} was due to a clerical error that they made internally and incorrectly billed me for wear and tear on a vehicle from previous lease several years ago. 

I have tried since XX/XX/XXXX to correct the mistake with them over numbers phone calls. Finally I was told XX/XX/XXXX that the problem had been fixed and I did not owe anything nor would have my credit damaged. 

This month my credit dropped XXXX points on transunion and shows that I am incorrectly delinquent with XXXX 

This is not the first time that XXXX has made a large mistake and hurt our family. It is the second time and I believe that US regulators should fine and revoke XXXX 's license to operate in consumer finance. 

Please help me by restoring my credit score to + 800 like before this happened and correcting XXXX XXXX mistake to properly show that I am current and in good standing. 

Reference XXXX account number XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Sincerely, XXXX
Product: Checking or savings account

I put through Fraud for XXXX XXXX several times at the time and Wells Fargo refused to credit me. XXXX gives so much attention to XXXX XXXX XXXX XXXX  but not when fraud is reported, see below : Fw : XXXX XXXX  Fraud-never approved amount RECEIVED YOUR EMAIL / XXXX / XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/XXXX, XXXX XXXX  CST Subject : XXXX XXXX  Fraud-never approved amount RECEIVED YOUR EMAIL / XXXX / XXXX XXXX -- - On Tue, XX/XX/XXXX, XXXX XXXX XXXX wrote :  From : XXXX XXXX XXXX Subject XXXX Fw : RECEIVED YOUR EMAIL / XXXX / XXXX XXXX To : XXXX Date XXXX Tuesday, XX/XX/XXXX, XXXX XXXX  -- - On Mon, XX/XX/XXXX, XXXX XXXX wrote : From : XXXX XXXX Subject : RECEIVED YOUR EMAIL / XXXX / XXXX XXXX To : XXXX Date : Monday, XX/XX/XXXX, XXXX XXXX  We received your email - will place it for Scanning to your claim. 

Should you need further detail or an update on your claim, please feel free to call our toll free XXXX ( M-F, XXXX ) Thank you - DCO Mailbox " This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message. Thank you for your cooperation. '' From : XXXX XXXXr [ XXXX : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX  To : DEBIT CARD OPERATION Cc : XXXX Subject : Ref : XXXXFRAUD To Ladies and Gentlemen, I spoke with XXXX of your department today, ID : XXXX. 

I told her this is FRAUD. I did not approve this transaction amount. 

This was supposed to be credited to my account months ago. 

I have been cooperative as you requested. The merchant did not call me as your department has requested. 

THIS IS FRAUD. 

XXXX XXXX
Product: Debt collection

XXXX  completely botched XXXX  procedure. Result was XXXX, and loss of XXXX. Dentist dropped XXXX down my throat during extraction. I had to XXXX it. It is gone forever. I have offered to pay for all the dental services prior to the botched procedure. Creditor has refused to negotiate in good faith and are now threatening the credit of my co-signor. Last correspondence to them received no response. I have offered to pay for the work properly done. Roughly {$4500.00}. Creditor insists on trying to collect money for services improperly done, which brings the total to roughly {$10000.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer - provided evidence to furnishers, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate action to remove or amend the disputed accounts. As Experians inactions has violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
Product: Debt collection

American Express is committing so many violations against my rights as a consumer. 
They are reporting incomplete information, and they have failed to investigate the account I am disputing, which is the following : American Express account # XXXX, limit {$22000.00}, opened XX/XX/2014.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The credit report indicates that your company made credit inquiries which I do not remember authorizing. I understand that such inquiries should not appear on my credit file without my authorization. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card

I just started a small business this past summer and made it official at the first of the year. The nature of my work is kind of seasonal being that I'm a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Being my slow season I've had to use all funds allowed per my secured Capitol One card. And I have never failed to pay it off. I had a few returned payments yes, but was trying to pay before due date of next payment. My payment wasn't even due yet and they closed my account without any notice whatsoever. I am less than XXXX dollar over the allowed amount. And it was a secured card so they basically are stealing my {$200.00} that I sent them to get the card activated in the first place. I only ever got XXXX credit increase in 2 or 3 years time and up until I went to work for myself I was on time everytime and wasn't even late with the most recent payment. There should have been some notice or correspondence before the account was closed and they take my {$200.00} then I also am supposed to pay off the {$300.00}? 
I inquired about a credit increase numerous times before the account was closed knowing that I needed help getting through the winter months and investing in my company and therefore my future success as a small business owner. They either should have never closed my account with the payment not even late. And less than {$1.00} beyond spending limit. Not a good way to do business. I was told when I obtained my card that the deposit would come back to me in 6 to 12 months time and it never did as well as them closing my account without any notice of issues whatsoever.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB funding against Navy Federal for similar practices, where transactions settled with insignificant balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

This is the 2nd complaint. I asked the company not to reach out to me via telephone call after I informed the company " Zion Debt Holdings LLC '' this account was fraudulently opened using my social security number, but in someone else 's name. My name is " XXXX XXXX '', I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. This debt is in the name " XXXX XXXX ''. I notified Zion Debt Holdings LLC '' on XXXX to notify them that this debt is the product of identity theft I also told them my name and that I was the sole owner of the social security number ending in XXXX. I also told the company to seize contacting me and that I was in the process of making a police report and complaint against their company. The next day XXXX I was sent a series of text messages from Zion Debt Holdings LLC asking me to pay off the account for deletion.