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

Equifax Report results from XX/XX/XXXX shows Equifax didn't investigate my Dispute regarding Furnisher XXXX XXXX XXXX XXXX, because Equifax aloud the exact act XXXX under a different alias name XXXX XXXX to report again even more false account information to my credit file after its investigated the reported disputed information was completed on XX/XX/XXXX. Equifax was mailed details specific account error pointing out most of Inaccurate, incomplete and inconsistent regarding this false account information reported, yet it didn't fix in the 30 days aloud but decided to update to my file as verified accurate and complete information todate. Errors in the reported information in both alias named accounts still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance {$380.00}
Product: Credit reporting or other personal consumer reports

The XXXX account is reported on XX/XX/year> there have been no payments made towards this account and the account has been closed. I received notice from a law office a garnishment was filed and with my employer taking XXXX % each paycheck, the debt has been paid in full. I would like the account to be removed from my credit report. 

I have attached the court document and a copy of my paystub showing the debt was paid in full. I have submitted a dispute letter in XX/XX/year> and XX/XX/year> requesting the account is updated to show payment were made but XXXX replied each time advising no payments were made.
Product: Credit reporting or other personal consumer reports

Hello, I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Product: Credit reporting

I bought a new car financed through a XXXX dealership. I did not give them permission to send my information out to loan agencies. Now I have XXXX hard inquiries on my credit report. I do n't even know who these loan agencies are. My score has dropped and I want these inquires removed. I never asked these people for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}
Product: Debt collection

. I sent this company a request for validation on XXXX and the tracking number is XXXX and it was delivered to a closed business on XXXX at XXXX and then delivered on XXXX at XXXX but to this date Ihave never received validation of the debt. They have had more than ample time to comply with my request and it was signed for by one of their agents whose name is XXXX XXXXThis letter that I sent them references all ( accounts associated with XXXX ) for services provided to ( XXXX XXXX ) on ( XX/XX/XXXX ). 



These accounts were submitted to, or should have been submitted to ( North Carolina ) for indigent care. ( XXXX. Indigent health care risk fund Deposits Interest Payments Reports. ) b/c I was homeless and indigent at the time of service. 

They are in clear violation of HIPPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about my permanently discharged federal student loan reporting as open with a balance. And XXXX and transunion closed my dispute and said the information was accurate and would remain on my report as it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry XX/XX/2017 XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # 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
Product: Mortgage

Hello, I am in need of some help with a second mortgage loan issue. I filed for Chapter XXXX Bankruptcy and it was discharge XX/XX/XXXX. I included both my first and second home mortgage loans. I moved out of the property. XX/XX/XXXX the mortgage company holding my first mortgage, XXXX offered me a Government refinance loan and I accepted the offer nothing was ever mentioned about or concerning the second mortgage note. I have made on time payments ever since. The Second Mortgage with Horizon Home Loans was never mentioned, I have never made any further payments to the second mortgage since my Bankruptcy XX/XX/XXXX. Fast forward to now, I am XXXX and live on a fixed income and in need of repairs to this home at XXXX XXXX XXXX, XXXX CA XXXX. My only option is to finance the repairs, however the second mortgage loan is still showing without reconveyance or quit deeded. I have made several attempts to contact First Horizon Home Loans without a single reply from. I have filed a BBB complaint with them without any response as well. My current mortgage loan company XXXX which now also owns First Horizon Home Loans has had no reply or help as well. It is like these mortgage companies do not want to discuss or fix this problem. I am at a loss as what to do next? Can you help? Many Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX Balance : {$42000.00}
Product: Student loan

Refund requested through Aidvantage per COVID update for payments made since XX/XX/XXXX on XXXX. At that time I was told 2-3 weeks to receive refund in my bank account via direct deposit. Called back XX/XX/XXXX to confirm everything was set and there were no delays because a friend mentioned they were told up to 10 weeks for processing. At that time I was told the timeframe is now 6-8 weeks until my balance would reflect the loans added back to overall balance on studentaid.gov a few more weeks until its updated in Aidvantage view and theyre unsure when Id receive a refund. The refund was requested because of the COVID update and financial crisis. I can not wait with no confirmed true turn around time and get a different answer every time I call. Theyre also not willing to share any sort of documentation or post any kind of updates to ensure the refund is in process and I dont trust that they are handling my request correctly or expeditiously.
Product: Credit card

To Whom It May Concern : JP Morgan Chase Bank NA, closed all my credit cards without notice while I was traveling. I was stranded, embarrassed, and harassed for not having a working credit card despite the cards working for pre authorization. 

Without notice, JP Morgan Chase Bank NA, closed the following cards which I have used for nearly XXXX years interrupting my personal and business banking for no reason. 

XXXX XXXX ( Annual fee ~ {$600.00} x XXXX years_ XXXX XXXX ( Used for Business Purchases in the amount of ~ $ XXXX ) XXXX  XXXX ( Used for XXXX ) XXXX XXXX etc. 

There was no communication regarding the account closure. In fact, I reached out to my Private Client Banker " Branch Manager '' XXXX XXXX and " XXXX XXXX '', XXXX XXXX without a response despite numerous phone calls and emails. 

I also asked for signed terms and conditions since I have been a XXXX XXXX customer since XXXX. Nothing was provided. 

XXXX
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

These inaccuracies are preventing me from buying a new home.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : 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 card or prepaid card

XXXX heavily promotes opening a new credit card and does this by claiming to offer a 15 % immediate discount on the first purchase using the credit card which must be used within 30 days. I applied and was approved for the card the same day as per requirements resulting in a hard inquiry. However when I tried to use the discount for a product listed at a full ( non-promotional ) price with no other promotions applied the website indicated that the " order or profile dose not qualify for the first purchase discount with XXXX Credit Card ''. I tried this with multiple items and received the same exclusion message. There is a link to the First Purchase Disclosure and I can see nothing listed that would exclude any of the items that I tried to purchase. I was not successful in finding an item that was eligible for the discount. 
I ordered the item ( order date XX/XX/21 ) with a lower alternative discount applied, but
Product: Credit card

Credit card account closed over a year ago and continue to get statement and be harassed by HSBC. 
In response to complaint filed, HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However, the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore, I continue to receive credit card statement ( Statement closing date XXXX XXXX, 2016 was received on XXXX XXXX, 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response, but does the agency not ensure that the business does not lie or compel the business to do what it say it will do in the response?
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured card with XXXX. Opening the card required a deposit. I paid an {$800.00} deposit which allowed for a secured credit card balance of {$800.00}. After reporting unrecognized charges, XXXX conducted XXXX investigation. XXXX decided to close the secured credit card account. XXXX never returned the {$800.00} deposit. XXXX reported XXXX late payments to Experian credit report however, payments were never late. The late payments XXXX is reporting were related to reversed temporary credits during the investigation. After they did not find in my favor and determined I was responsible for the fraudulent charges, reversing the temporary credit, XXXX claims resulted in late payments. Further, XXXX still refuses to return my {$800.00} deposit. The account has been closed for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputing a collection from XXXX XXXX XXXX that appeared on my credit report in XXXX, XXXX. The collection agency is Helvey and Associates. 

The collection relates to the energy utility bill on a home that was owned by my ex-wife XXXX XXXX at XXXX XXXX XXXX, XXXX, NC XXXX. ( XXXX XXXX XXXX XXXX in amount of {$550.00} ). She purchased this home individually in XX/XX/XXXX and sold it in XX/XX/XXXX. We are divorced and separated in XX/XX/XXXX, and I moved out. Apparently this account became in arrears in XXXX of XXXX at the start of the COVID pandemic. XXXX moved to XXXX, Colorado in XXXX of XXXX and bought a home at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. She called XXXX XXXX to turn off the energy at her home and gave XXXX XXXX XXXX XXXX as the forwarding address ( please note, I have never lived at XXXX XXXX XXXX XXXX- I moved to XXXX XXXX XXXX XXXX XXXX, CO XXXX in XX/XX/XXXX ). I was not aware a ) that I was a responsible party to this account and b ) that the account was delinquent. The final bill was mailed to an address that I have never lived at. I discovered this bill existed when a collection showed up on my credit report. Apparently, the notice of collection from Helvey and Associates was also sent to XXXX XXXX XXXX XXXX. 

When I became aware of this collection, I informed XXXX and she called XXXX XXXX and made payment directly to them from her checking account ( please see her email regarding this ). 

I was not responsible for paying the utility bill per the explicit terms of our executed Amended Cohabitation Agreement, a signed copy of which is included with this dispute for your review : See, specifically, XXXX XXXX Each of us shall be solely responsible for his or her separate debt, and shall indemnify and hold the other of us harmless with regard to such debt... Separate debt shall also include debt incurred with respect to only that partys separate property. 

I believe this collection should be deleted from my credit report. It was 1 ) promptly paid when I became aware it existed 2 ) at least in part stemmed from unprecedented disruption during a global pandemic and 3 ) was connected to a home I did not own and was per the explicit language of a court order not my legal responsibility. I am a practicing XXXX XXXX XXXX and have an otherwise impeccable credit history that spans over 18 year. There is not even a late payment on my credit report, let alone another collection. I am a responsible borrower and this collection is an aberrancy. It is, however, making it extremely difficult for me to qualify for a mortgage as I am trying to purchase a home to live in with my XXXX  children. 

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

I sent in various letters stating the law and why it is illegal for unauthorized accounts that were furnished on my report without my consent needed to be removed. The reporting agencies have not removed these accounts that have been illegally furnished on my account. I sent in notarized affidavits along with my FTC reports and other documents I will upload here. These documents were sent to XXXX, XXXX, and Transunion. The accounts are still on my consumer report and I am going to take my documentation to the courts and sue for every violation that is on my consumer report. 

I would like to state that XXXX, XXXX, and Transunion are in violation of 15 U.S.Code 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I never gave written consent to report anything on my consumer report. No consent is identity theft. The items have been illegally furnished on my consumer report. If they are not removed, I will no longer extend my credit or allow XXXX, XXXX and Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If XXXX, XXXX and Transunion wants to continue doing business with me they should delete the unauthorized items from my consumer report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy under the U.S. Bankruptcy Court for the Eastern District of XXXX. The court granted a discharge on XX/XX/XXXX, upon reviewing my credit reports from XXXX, XXXX, and TransUnion. I identified inaccuracies related to the reporting of my bankruptcy and associated accounts. 
Specific Issues Identified : XXXX. Incorrect Bankruptcy Status : XXXX. Accounts Not Updated Post-Bankruptcy : XXXX. Inaccurate Dates : Impact on Me : These inaccuracies have adversely affected my credit score, hindering my ability to obtain new credit and causing undue stress.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address,. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of 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
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 high lighting 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 unfeasible the CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.