23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo XXXX incorrectly denied mortgage loan modifications to certain qualified borrowers, the order states. 

We saw this in the news and this definitely happened to us. We have enough money to cover the rest of our mortgage, but didn't want to pay it all at once. 
in XXXX, We were refinancing to a 2.1 mortgage and it was lasting for months, they kept making excuses and then eventually turned us down because a side business/hobby didn't make money last year. It took a small loss of a couple thousand. My wife alone could cover our mortgage and my other business does well too. I think they didnt want to have such a low rate and were looking for excuses. It was so obvious, but we didnt report it, my wife was handling the refinance and she was done. They grilled her left and right, we have almost perfect credit scores. I'm a veteran. There was no true reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX XXXX : account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX5 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACCT XXXX XXXX, h

as violated my r ights. 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: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns with Zelles handling of disputes, primarily in light of the recent CFPB lawsuit stating the significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my bank and Zelle failed to investigate properly. They informed me that recovering my funds was not possible and that tracking them was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allows repeat offenders to completely manipulate the system, leaving me to be subjected to more scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing multiple credit reports, I notice an unauthorized inquiry was placed by XXXX XXXX on XXXX/XXXX/XXXX. I spoke with a sales person informing them that i was not interested in a new line of credit and I did n't not want my credit pulled!
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX  TRAFFICKING, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. 

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  INC XXXX Open Date XX/XX/2014 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX XXXX : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Sold my personal information 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and Innovis are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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
Product: Credit card

In XXXX of XXXX I contacted " XXXX XXXX, '' a local heating and air conditioning installer. I contracted for the purchase and install of an A/C unit. During the process they informed me that they could offer a 0 % interest consumer loan on the unit via a program with Wells Fargo. At they time they did not state that this was a credit card, simply that it was a consumer loan. As the money was offered at 0 % and no discount was offered for cash payment I accepted the loan offer. As I recall I was provided a short online application via a link. I then setup a payment of {$970.00} per month to service the loan. This payment was recommended as the monthly payment by Wells Fargo. 

I looked at the app on a regular basis and made sure my payments were being made on time. I also looked at my statement a few times. Statements were delivered electronically. my statement and noted that I was paying no interest or fees. On XX/XX/XXXX of this year I again reviewed my statement as I felt that I was getting near the end of my loan. XX/XX/XXXX my loan balance was only {$11000.00}. I was horrified to find out that in XXXX of this year Wells Fargo added {$11000.00} of " accrued interest. '' I continued to make automatic payments after this as I did not notice the interest. Obviously I would never have agreed to a 28.99 % interest on this loan. It was never even disclosed to me as a credit card. It was a " 0 % interest loan from Carrier, the equipment manufacturer. '' I assumed that this was a promotional financing offer from the manufacturer, offered to the dealer to increase sales.
Product: Credit reporting or other personal consumer reports

I'm a XXXX XXXX XXXX man who has never been able to properly use my credit since the age of XXXX. The credit bureaus left judgements, bankruptcies, evictions etc. on my name for many years from my father having the same name. I tried to handle this for many years Experian, XXXX nor XXXX would ever assist. They even stated they would give me a new social but it never happened. Fast forward I have those things off left with a devastating score and my life has never been able to be on course with the use of credit. I feel I need to be compensated for all of these years of not being able to live a proper lifestyle due to my credit being tarnished before I was even out of high school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( 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: Consumer Loan

On or about XXXX XXXX 2011 we sent certified letters to Ally Financial to dispute the end of lease charges via certified mail, which have never been answered to date. Since Ally never answered we decided to make the payment as the company said it would be charged off and sent to collections plus also place a negative file on my credit. 
The amount was paid in full and they still place a negative mark on my credit report. The 39 monthly payments have all been made timely, all extra charges at lease end were disputed as it is my right. 
for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Bank account or service

I paid my XXXX XXXX credit card bill online through XXXX XXXX 's website after XXXX cst on XX/XX/XXXX-17. When I checked my checking account through bank of america the next morning, I showed a transaction processing on XX/XX/XXXX-17 for the payment I made after XXXX. I am not sure why this payment was processed after XXXX on the same business day when I did not pay with a debit card, I paid per my checking account. I have never had a transaction paid through someones website process the same day. This is not possible.
Product: Payday loan, title loan, personal loan, or advance loan

I received a text message about settling a supposed payday loan I took out prior to XXXX  that I never repaid. The thing is I have no remembrance of taking such a loan out. My finance called the company to see what this was all about and they told her that they had all my information, drivers license, social security number address, phone number etc. and said that they have the loan agreement with my signature on it as well. She said that I would need to pay like XXXX for a settlement or I could make installments of like XXXX XXXX XXXX payments, if I didnt make these payments then it would go into the court system for collections. The name of this company is Global Processing Services out of XXXXXXXX XXXX XXXX. I looked up this company online and found out that back in XXXX they got caught scamming money from people by using the same tactics they are trying to use on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

DataX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.
Product: Credit card

My Citi credit card ( ending XXXX ) which I use for day to day purchases, closed down XX/XX/XXXX without sufficient notice. The payments from my XXXX  checking account were delayed due to internal banking ACH issues and I made a recent payment XX/XX/XXXX. Please see attached supporting documentation. 

The credit card closure appears to be political corruption related. I helped the U.S. acquire property in XXXX while on a temporary overseas assignment a few years ago. This must have some connection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$860.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Equifax ... It is EQUIFAX 'S duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. They are reporting 7 inaccurate accounts on my report/file. 

( 1 ) XXXXXXXX XXXX XXXX  Acct ending XXXX ... .... {$3000.00} ( 2 XXXX XXXX XXXX Acct ending XXXX ... ... ... {$4100.00} ( 3 ) XXXX XXXX Acct ending XXXX ... ... .. {$9900.00} ( 4 ) XXXX XXXX XXXX Acct XXXX XXXX ... ... .. {$4200.00} ( 5 ) XXXX XXXXXXXX XXXX Acct ending XXXX ... ... .. {$15000.00} ( XXXX ) XXXX XXXX XXXX Acct ending XXXX ... ... .. {$11000.00} ( 7 ) XXXX XXXX Acct ending XXXX ... ... .. {$5700.00} Also, note that I have already sent in one FTC Identity Theft Report on XX/XX/23. They had 4 days to remove fraudulent items per 15 USC 1681c-2, of which they did NOT remove all items requested. It has now been past 30 days and I just sent in a SECOND Identity Theft Report XX/XX/23. Furthermore, these accounts are marked CHARGE OFFS which is considered INCOME and therefore NOT allowed to be reported on my credit file. Please remove/delete them. 

In addition, I did NOT give Equifax written instruction/permission to furnish any inaccurate information on my consumer report, violating 15 USC 1681 ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe har and discrimination.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Denefits LLC. 
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Subject : Dispute of Unjust Late Payment Reports and Non-Provided Services Dear Denefits LLC. 

I am writing to formally dispute the late payment charges and negative entries on my account, Which are unjustly reflecting on my credit report due to services that were never rendered by your company. 

On XX/XX/XXXX, I entered into an agreement with your company for credit repair services. Unfortunately, despite my compliance with all terms and prompt payments as per the agreement, your company has failed to provide the agreed upon services. To my surprise, I recently discovered that your company has reported late payments to the credit bureaus, which is not only inaccurate but also unjust, considering the circumstances. 

To resolve this issue, I kindly request the following : Immediate removal of any late payment entries associated with my account from all credit reporting agencies.

Written confirmation that these negative marks have been removed and will not affect my credit score going forward. 
Full refund of any payments made for services that were not provided as agreed. 

Please consider this a formal dispute under the fair credit reporting Act ( FCRA ), and tale prompt action to rectify these inaccuracies. I expect a written response within 30 days from the date of this letter, confirming that the necessary corrections have been made. 

Enclosed are copies of relevant documents including my credit report, which support my claim. I look forward to your prompt attention to this matter. Should this not be resolved within the stipulated time frame, I will not hesitate to escalate this matter to the appropriate regulatory authorities or seek legal advice to protect My rights. 

Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Is my correspondence with Navient with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. Navient on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, Navient has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to XXXX, XXXX  XXXX XXXX and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from Navient outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Product: Credit reporting or other personal consumer reports

Hey I sent a CFPB complaint in last month XX/XX/year> regarding an incorrect late payment on my XXXX  XXXX credit card account. It was removed from XXXX  and XXXX but it still remains on my equifax. This is inaccurate reporting.
Product: Debt collection

I subscribed to The Nation magazine last year and decided not to renew my subscription. Since then, I 've gotten several letters from The Nation about my " outstanding debt '', threatening to turn the matter over to a collection agency. Today, I received a letter from a 3rd party collection agency North Shore Agency demanding payment of {$18.00} and threatening to consider the debt " valid '' if I do not respond within 30 days. 

I realize that print newspapers and magazines are in dire need of subscription revenue these days, but to resort to threats and intimidation is unacceptably aggressive marketing. Please put a stop to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, XXXX XXXX XXXX XXXX within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX Inquiry Date XX/XX/2021 AND XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/2021