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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. 
Creditor Name : XXXX XXXX XXXXXXXX, Date of inquiry : XX/XX/XXXX, Experian.
Product: Vehicle loan or lease

I spoke with the supervisor today who told me over the phone the company has never written this vehicle off as a profit/loss which is clearly stated on my credit report and I requested a 1099c to file on my taxes and was told they dont know if the company filed correct information with the irs so they wont be mailing out 1099 c I have to wait the allotted time until the debt drops off my report and I then proceeded to request other documentation and was told by supervisor my email was not in the system although I needed an email for online access which they have no information you can request or was provided until after XX/XX/year> when the account was closed I have also submitted an investigation to the IRS for improper profit and loss write off investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX  Opened Date XX/XX/2015 Balance {$23000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a line of credit was fraudulently opened in my name by ACIMA CREDIT XXXX XXXX with a current balance of {$1400.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the credit report as soon as possible. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit report account under an open end consumer credit card plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has effectively prevented my mortgage lender from pulling my Credit score with them. They can pull XXXX  and XXXX, but the XXXX score is hidden/non-viewable. 

I have spent literally roughly 20+ hours on the phone or holding for someone trying to get this resolved to no avail. The main number for disputes is : XXXX, I have spent over 7 hours on hold and no one picks up. Most times, the call just hangs up and doesn't connect to anyone.

When I initially applied for a home loan interest rates were 3.62, now they are 4.50 %, which equates to XXXX XXXX in extra interest payments over the lifetime of the loan. 

I need my score, as I am trying to buy a house and move out of state, I am effectively a prisoner because of their ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. Mark the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF ED/ XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis nexus on XX/XX/2022 because I feel as though they have furnished information without it being verified and with my consent which is causing a negative effect on my credit reports. I have contacted them for methods of verification on the bankruptcy case they are reporting to others. They have not yet responded to where they have confirmed this information with. And it is to my understanding that they are in violation of 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns in regards to Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit which highlights 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 unattainable. 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. With this lack of accountability and transparency it is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The whole issue we are trying to resolve is I refinanced and didn't receive anything in the mail from XXXX XXXX untill you called in XXXX saying I missed XXXX payment and I didn't know you billed me. I was waiting for my first statement. So when I got the call the XXXX payment was missed ... I didn't know where to remit payment and I paid both XXXX and XXXX together. After that I had the payment details and was able to continue paying. 

Because I refinanced and got a new lender I was unaware when and when to pay. Please remove 30 days late reported in XX/XX/2018
Product: Checking or savings account

On XXXX - XXXX XXXX deposited funds for my benefits. Bank of America of america has no idea where the funds are when I have conformation numbers on all the deposits that was made. The respresentative was very rude and told me there are no transactions and hung up in my face. Bank of America says there nothing they can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX BV XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX Balance : {$680.00} XXXXXXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS AN IMMEDIATE DEMAND TO REMOVE ALL DISPUTED INACCURATE ACCOUNT, ADDRESS AND ANY INFORMATION BEARING MY NAME THAT DOES NOT AND HAS NEVER BEEN ASSOCIATED WITH ME!
Product: Student loan

I was called several times by " Premier Student Loan Center '' and one day I actually took the time to listen. They informed me after an hour phone call and digging into my loans and work history, that I was eligible for " Obama 's Loan Forgiveness Program. '' I heard about this and thought that I didn't qualify since I work in XXXX/XXXX and not for the government or a non profit sector. They took about 20 minutes and returned to tell me that I was approved despite my work field. I was told that 73 % of my total loan was forgiven and I would have to pay the balance to them plus fees to file the application resulting in {$190.00} for 6 months and {$80.00} a month for 240 months. Similar to paying a tax attorney to comb over your taxes, I proceeded. I was initially excited and thought that my loans would be paid and the decrease would significantly help me financially. The application takes 30-90 days to process and almost a month later I checked to see if my loans still showed up on my credit score, and they did. Contrary to what I was told the loans would be paid in full and reflect a XXXX dollar balance. I called my loan officer who informed me that I didn't actually qualify for the program and that you have to make 120 payments to even apply, I made 0 thus far having just graduated. They also said that an application was never processed in their system. After researching scams I learned that this company and others like it never submit your paperwork and collect money from you while your loans sit in forbearance. I am sure many people catch this over time as the government will notify you of this, but normally by then you have shelled out thousands of dollars. Luckily via my friends urging me to look even further into it, I made one payment and reported that as fraud to my bank. I currently have a lawyer looking over the paperwork so that legal documentation can be drafted to dismiss the contract due to their services never being rendered. If you receive these calls or find these sites, STAY AWAY. If you work for the government or a non profit you can simply sign up online for free after making 120 payments. If you were a victim of this scam, change your card numbers immediately, contact your bank about the fraudulent charges, save every email from said company, and contact a lawyer! Don't fall prey to the scams of the world!
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, XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

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

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 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX ... Account XXXX XXXX XXXX XXXX  Account XXXX XXXX 
XXXX... Account XXXX XXXX XXXX.. Account XXXX XXXX XXXX XXXX ... Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .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 an account without my written instruction. 15 U.S.C 1681 C. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy being report on my report that I have no knowledge of. I have reached out to XXXX XXXX and they do not have a record of a bankruptcy under my name and SSN. I will attach the letter.
Product: Credit reporting or other personal consumer reports

These accounts are the result of identity theft starting with a room mate from back in XXXX of XXXX. Her and I were sharing an apartment so she had access to my personal information. The following three accounts were opened by her without my knowledge or consent : 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 XXXXXX/XX/XXXX
Product: Credit reporting

My wife and I had a credit card. The credit card company would not treat me as an account holder even after my wife called in to complain. I had my name taken off of the account. Experian is still reporting the account open. I disputed the claim. They researched it and only changed my status to authorized user and kept the account open. Even though the credit card account is still open, I am not part of the account any more and it should report as closed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with Citibank at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to Citibank per the plan. Once payments stopped, in XXXX of XXXX, Citibank began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, Citibank, XXXX, and XXXX providing bankruptcy documentation as evidence. Citibank also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Car leased from dealer XXXX XXXX XXXX, XXXX on XX/XX/XXXX - Account with XXXX XXXX was to be set up within 1 month - XX/XX/XXXX -When the account did not get set up, contacted the dealer and inquired about how/where payments could be made. Repeated the follow up till XX/XX/XXXX. Dealer informed there is issue with account set up, but accepted payments for XXXX, XXXX and XXXX via credit card with no account number available. See attached receipt dated XX/XX/XXXX for {$370.00} -Dealer sent new paperwork to be signed in XXXX, which was promptly done. XXXX XXXX account no XXXX was set up in XX/XX/XXXX - AFTER payments were made - and immediately reflected account past due - On follow up with XXXX XXXX, they demanded letter from dealer stating payment was made - Dealer confirmed there was a miscommunication and that it is being sorted out. 
Attached email dated XX/XX/XXXX. Further assured they were working with XXXX XXXX to not report this to credit bureaus - Received call from XXXX XXXX customer support rep XXXX that the issue has been sorted, and adverse reports will be withdrawn - Located in credit reports of Equifax and XXXX in XX/XX/XXXX that adverse comments of 2 x 30 days past due were made despite assurances of not doing so - Followed up with dealer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they accepted their error and assured to get the report fixed. Recvd attached letter dated XX/XX/XXXX, which is vague and does not expressively state " remove adverse remark ''
Product: Checking or savings account

I have held a checking account for approx. XXXX  years. XXXX years ago, I added my son 's name. XXXX  years ago my grandson opened an account as well. I noticed that although I was the primary, both son and grandson became the primary. Unfortunately, my sons'/mine account was compromised. I had issued XXXX checks before I received a call from my son telling me of the freeze. I was away at the time and when I returned home, I met with Eastern Bank in an effort to open a new account. I asked why wasn't I also notify of the problem and was told it went to the primary. I insisted that I should have been officially notified but I was asked " What if there were XXXX names on the account - we couldn't notify all of them - I said they all should be notified. Did my son and grandson became a primary because of being male? I have made XXXX trips to the bank to straighten this mess out. I was told to contact XXXX alerting them of the change. While on the website - someone named XXXX said he would help- the next day I was charged {$55.00} when XXXX told me it would be a {$5.00} charge. Thanks XXXX. In my opinion, my rights as a primary holder of a XXXX year checking account should be notified and why has this present practice been justified? XXXX XXXX
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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX