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

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$32.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX , are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
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 were impossible and that tracking these transactions was infeasible. The CFPBs 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 users safety.
Product: Debt collection

I was called around XXXX this morning by Freedom Mortgage. They said my mortgage is overdue and need to pay immediately. I set my mortgage date for the 4th every month and today is the 4th. My mortgage is not late. Then they said its does not become overdue until the 16th of the month. 

This company is ruthless! 

I got back from work at XXXX in the morning. 
I dont need a company to wake me up and disturb my precious sleep which I need fkr my health, especially during a PANDEMIC! 

It took me 9 months to refinance my veteran loan ( I am a XXXX veteran ). I made dozens of calls to them to move the loan through. To no avail. Yet, now, they have the nerve to wake me up from precious sleep to tell me what I already know. 

So I paid. Confirmation # XXXX This company emotionally disturbs me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate personal information listed on my credit report. Upon reviewing the report dated XX/XX/2024, I have identified several items that are not mine and do not reflect my financial history accurately. 
I have submitted a complaint to the bureaus multiple times but I haven't received a positive feedback from them because the accounts in question are still their. I am now filing a dispute in CFPB website and hoping for a positive response. My only correct address is XXXXXXXX XXXX XXXX, AL XXXX The following information are inaccurate : PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, AL XXXX PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, AL XXXX PREVIOUS XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX PREVIOUS XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove them!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am checking on the status of Complaint ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sent a letter back stating that the late payment reporting in XX/XX/XXXX would be removed from my credit report within 30-45 days. This was back in XX/XX/XXXX, and we are now going into XX/XX/XXXX. Furthermore, your company is in violation of reinserting this late payment back on my credit report which is a violation. Please see the attached response letter from the Vice President and remove the late payment reporting in XX/XX/XXXX. I will be filing a lawsuit against your company if this account is not removed in 7 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In sight of that my last complaint was over looked Im going to separate each account so they can get resolved accordingly. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the Experian, XXXX, and XXXX multiple times to reinvestigate ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 
However they stated, XXXX XXXX XXXX XXXX response Company responded on XX/XX/2023 A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : CREDIT LIMIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED, ADDITIONAL INFORMATION Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF MAJOR 1ST DELIQUENCY REPORTED NON REPORTING DISPUTES and XXXX XXXX XXXX XXXX XXXX XXXX Response Company responded on XX/XX/2023 In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-UPDATED ; I have not heard anything from EXPERIAN yet ; XXXX and XXXX have stated everything was complete and accurate. But how is that possible if Last Verified is inaccurate yet updated twice, Date of Last Activity is inaccurate yet updated twice, Date Reported is inaccurate yet updated twice, Date Opened yet updated twice, Dispute Status is inaccurate yet updated twice, Payment Status is inaccurate yet updated twice, Last Payment is inaccurate yet updated twice.

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also the Credit bureaus took more than 30 days to complete my investigation ; certified mail tracking COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023
Product: Debt collection

Chowder , Inc. is using threatening and harassing tactics via phone call, text and in person. Chowder has trespassed on my property multiple times and has threatened to do so in the future as well. Under XXXX law Chowder , Inc. does not have a right to threaten or harass me on my property. 

I have requested that Chowder cease and desist from the threats and harassment but they persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 XXXX XXXX XXXX
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.

15 U.S.C 1681 section 602. 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. 

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

In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX  Account # 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: Checking or savings account

I have tried numerous of time to settle this fraud issue with Citibank about my checking and savings account and XXXX XXXX, whose phone number is XXXX failed to contact me to resolve the issue. He did not look into this fraud activity nor did he call me back to discuss the solution Citibank was willing to do about my account. I filed police reports in regards to this matter and still have not heard nothing from the bank. I am tired of the run around I receive from this institution and demand he be fired and my account becomes unblocked for daily use. This account has been blocked for over six months now in regards to this issue.
Product: Mortgage

My mortgage provider, Freedom Mortgage, refuses to remove PMI on my primary residence. I purchased the property XX/XX/XXXX and put 5 % down. The appraised value of the property at that time was {$200000.00}. Mortgage is a conventional 15 year loan. I reached 80 % LTV of the original appraised value of the property XX/XX/XXXX. I submitted a written request for removal of PMI. I was told that my written request was denied because it had not been 2 years since the loan origination date and that it would be dropped after my XX/XX/XXXX mortgage payment. After my 2 year origination date had past, the company still refused to remove the PMI. My XX/XX/XXXX payment brought the LTV to 77 % of the original value. Freedom mortgage now says they wo n't remove the PMI till the LTV is below 75 %. They also state my PMI written removal request will not be accepted. I have submitted a second written requested PMI removal letter and still the mortgage provider will not drop the PMI. I am current on all payments, and have no other liens on the property.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my FEDERALLY Protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm looking at my EXPERIAN credit report right now XXXX, and I Notice ALOT of thing are incomplete and NOT ACCURATE AT ALL. According to the FAIR CREDIT REPORTING ACT ( FCRA ) 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 about whom the report relates. ALSO ACCORDING to the IRS Canceled Debt ( CHARGE OFF ) is gross or ordinary INCOME. INCOME DOES NOT GET REPORTED ON YOU CONSUMER REPORT. ACCORDING TO 15 USC 1681 ( e ) ( b ), And ACCORDING To 15 USC 1681 ( 5 ) Treatment of INACCURATE or UNVERIFIABLE information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or MODIFY THAT ITEM of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been MODIFIED OR DELETED from the file of the consumer, and ACCORDING To 15 USC 1681 S-2 They are suppose to 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: Mortgage

I have been getting letters in the mail stating that I am past due. 
I have been trying to reach this company since XXXX and have been very unsuccessful. Today Tuesday XX/XX/XXXX, I was on the phone for over 2 hours and got transferred multiple lines to dead lines or the reps would hang up on me. This has been happening for the last couple of weeks. I am trying to refinance my loan to be able to get a more affordable mortgage payment and even my loan officer has been trying to help me resolve the issue with no success of being able to get ahold of someone at XXXX. 

This is becoming very stressful and impacting my credit. 
I have never missed a payment, and this mortgage company is a nightmare to work with. 
This mortgage took over as my servicer XX/XX/2020, they truly do NOT care for their customers. 


I have attached my payment History to reflect my payments are Up to date. 
XX/XX/XXXX was the first payment due to them as you can see I made my first payment XX/XX/2020 due XX/XX/XXXX, I always make my payments early.
Product: Money transfer, virtual currency, or money service

I had a cash app acct w squareup.com under user name XXXX XXXX link to email XXXX and phone number XXXX. My account was compromised from my stolen phone and a XXXX XXXX made 2 fraudulent and authorize transactions on my cash app acct in the amount of XXXX $ and XXXX $ on XXXX. With cash app fees XXXX $ took from my XXXX XXXX account ending w now cancel debit card XXXX # Cash app Customer support agent XXXX XXXX. Did not understand or did not care. Agent XXXX since re open my case of fraud w cash app. I'm waiting for an answer from them.
Product: Credit reporting

The account below is still on my credit report from 1997. it is paid in full and should not be on credit report. Also my child lived with me so I should not owe child support.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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

in accordance with the fair credit reporting act XXXX and TransUnion have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have never given written, verbal or implied consent to share my information with any of these companies I am unsure how they legally acquired any of my information. Each company has violated my rights for years without my consent and continue to do so even after I have disputed furnishing my written consent ( which they have not, they have sent me computer generated letters saying that I have consented... with no proof ) They also have failed to provide credit reports as I have requested them
Product: Payday loan, title loan, or personal loan

Applied for Mariner Finance Loan on XX/XX/21 did not hear anything until today XX/XX/21 saying it was denied but was a soft inquiry so it would not affect my credit. Sure enough this company lied and they did a hard inquiry on my credit on XX/XX/21. Not only are they lying to customers, but this company is also not responding to my questions and refuse to tell me why I was denied
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 Account XXXX : 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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and to notify you of your potential liability under 15 U.S.C. 1681o of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that [ describe the inaccurate informatione.g., an incorrect account, fraudulent charges, outdated negative information, etc. ] has been reported by [ furnishing entity ] to my credit file.

According to 15 U.S.C. 1681o, a consumer reporting agency or furnisher of information may be held civilly liable if they negligently fail to comply with their obligations under the FCRA, resulting in harm to a consumer. The failure to correct or investigate these errors in a timely manner constitutes a negligent violation, which entitles me to damages, including actual harm suffered and potential legal fees.

I am requesting that you : Conduct a reasonable investigation into this matter as required by the FCRA.

Provide documentation supporting the accuracy of the reported information.

Correct or remove the inaccurate information from my credit file immediately.

Please confirm in writing that you have received this dispute and provide an update on your findings within 30 days, as required by law. If this matter is not resolved appropriately, I am prepared to pursue further action, including seeking damages for negligence under 15 U.S.C. 1681o. 

Thank you for your prompt attention to this matter. I expect a response no later than XX/XX/year>. If you need additional information, please contact me at XXXX.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX, XXXX XXXX XXXX, XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain a copy of my Consumer Report and notice that there is some inaccurate information on my report. Pursuant to section 15 USC 1681 ( a ) under the exclusion section number ( b ) states that anything that is extended or authorize from a credit card should be excluded from the consumer report. According to definition Section 15 USC 1602 ( i ), the term of a credit card means, any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on a credit.

This is meaning that a credit card from a bank is not allowed on my report, and that not what I mean by a credit card and they are illegally reporting to my consumer report. According to 15 USC 1681 ( a ) section ( e ) such information shall not include specific factual information on a consumer 's credit record obtai
ned directly from a creditor of the Consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I have been hurt being that I am being falsely accused for an account that is inaccurate on my report, I am a XXXX XXXX trying to get a house and car for my daughter and family and this is weighting very heavy on my future as of now and I'm begging and pleading for help from someone that can help my daughter and I so I can be successful and living comfortably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Wells Fargo which was closed by them, they never gave me a reason why however I now have a low level fraud on my consumer report and it is now stopping me from getting things in my name. I never committed fraud a day in my life and this is now making me look bad. I want it removed.