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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX, XXXX-Highest Balance {$1700.00} 2. XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 3. XXXX XXXX  U-Balance $ XXXX-Date Opened : XX/XX/XXXX 4. XXXXXXXX XXXX XXXXXXXX C-Balance XXXX XXXX-Date Opened : XX/XX/XXXX 5. XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 6. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only agency I havent been able to access and Im unable to access their system online. Im frozen out of their phone system and faxing/mail takes me back to an era Ive long forgotten. Im unable to do anything with my credit as long as Equifax fails is I work properly.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided proof to XXXX that a debt collection agency who purchased Credit Card debt, Portfolio Recovery Associates, is using the tactic of illegally re-aging debt so that it will appear on my credit report longer than seven years past the the initial 30-day late payment of the debt. The debt should no longer be reflected on my credit report, but the debt collector has reported false dates in order to retain the debt on my credit report past the legal statute. The credit agency, XXXX, did not sufficiently investigate my claim of innacutare 1st delinquency dates on the original debt, and will not re-open the investigation, although I have provided proof that the debt collector / debt buyer is reporting false dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my XXXX XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this XXXX being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. NAVY FEDERAL AND XXXX
Product: Credit card or prepaid card

on XX/XX/2020 I received a text message and a call from fraud department, Barclaycard ( in attachment ) regarding charge from XX/XX/XXXX for {$210.00} this was not my charge and I decline this transaction, representative form credit card, Barclaycard said I don't have to worry thy will close the old card and replaced with new one. will not be responsible for it. I wait two weeks for a new card ended with # XXXX. 
on XX/XX/2020 I call to credit card to pay my bill as I always do. To my surprised I fine out my balance is very large, not what I was expecting. I fined out that 3 charges from old card were transfer to new card, charges from XXXX XXXX Store # XXXX from XX/XX/2020 for {$210.00}, {$210.00}, {$220.00} Those were not my charges as I said to fraud department on XX/XX/2020 when they contact me. I disputed this charges with credit card on XX/XX/2020 first by calling them and sending a letter sting all facts ( see attached ) At this time I was advised to do police report and I did that on XX/XX/2020 ( see attached ) including {$25.00} charge for copy of police report.OnXX/XX/XXXX I received two letters re this situation, one informing me that I am not responsible for charges, the 2nd letter informing me I am responsible for the charges ( both letters dated XX/XX/2020 ) The Barclays open a new investigation case # XXXX and they said I have to wait I call every 2 weeks to follow up on case but there was no new information, I spoke with supervisors but everybody was asking me to wait. I receiving bills for those unauthorized charges and I am paying a minimum on it {$29.00} per month I don't want to destroyed my credit but I don't want to pay for fraud charges. 
om XX/XX/2020 I received letter that my case was denied and I am responsible for those charges. Please help me resolved this problem. The credit card Barclays did informed me re fraud in the first place and now thy are denying it.
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 Account Number : XXXX has violated my rights. Or 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.
Product: Mortgage

Im trying to sell my house as a short sale the second lien holder is asking for over 50 % of a debt I owe and it is holding up the whole deal I have been trying to sell this house 9 months already first they asked for XXXX then they said XXXX I owe about XXXX but I did bankruptcy so they suggested either we put up the money or the buyers! The main bank is willing to give 10 % I dont know what to do how else to deal with this I just want to sell before the house foreclosures. They clearly dont even care the house has been empty for over a month already.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX also the inaccurate personal information : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
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 XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply ] Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit Crard Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
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 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 was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack is of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

Good morning, I'm attempting to pay off loans that are serviced by Navient. The loans are distributed between US Department of Education, and Navient. Navient 's website will not allow me to add a bank account to direct pay on the loans. The loans on the website in account details do not specify which loans are Dept. of Ed, or Navient. If I submit payment directly, the monies are distributed to their specifications increasing the interest gained off of each loan. I don't believe this to be in fairness of the consumer ; consumers should be eligible to pay loans to save money on interest. I've attempted contacting Navient twice about their broken website, but have not received any response back. Meanwhile, I am paying interest for loans they are preventing me from paying off.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them from my credit.
Product: Debt collection

I borrowed money from Rushmore Financial in XXXX. I paid the amount in full and have a receipt of payment from them. They continue to attempt to collect payment even though I have paid it, and I have sent them desist letters demanding that they stop contacting me ; however, they continue to contact me from different companies and I continually send them emails that they confirm they've received with a copy of the receipt of the paid debt in full.
Product: Checking or savings account

I'm sick of this bank I have proof of these transactions which I would upload I believe they are stealing taken my money you are charged for overdraft fee plus the money XXXX XXXX doy and XXXX was taken out my account where is the overdraft fee XXXX dollars where's the overdraft fee XXXX dollars where's the overdraft fee these are uneven amount I want my money I've complained and complained there should be recording of me calling and complaining and that money they responded with is just a throw off to suppose to satisfy me nope I want my money I opened the the first account in XXXX when it was first Tennessee they told me I didn't I got my first check in XXXX they told me I opened the account in XXXX this bank is full of liars and thieves my current balance never match my available balance I'm fed up where's my CD account
Product: Student loan

My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appear on my credit report, even after your investigation. 
I would like this item immediately re- investigated. The In accuracies are highly injurious to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Tittle VI , Section 611, Please provide the names and business addresses of each Idividual with whom you verified the accounts so that i may follow up, Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim everything enclosed police report enclosed hippa riights and cra
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( XXXX  EXPERIAN AND XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
Product: Vehicle loan or lease

Was making on time payments on the vehicle since I had it which was back in XXXX. I had insurance on the vehicle which was a XXXX XXXX XXXX and was a electrical failure because the vehicle steering system locked and I wasnt able to drive the vehicle for 3 months which was around XXXX of XXXX, I reached out to XXXX which told me to contact the insurance company so I did and they told me to get a report after having the vehicle looked at by a mechanic which I did and was told by the insurance company that they wouldnt be able to help me so basically they wanted be to pay the XXXX out of pocket to get the vehicle fixed plus pay my {$400.00} a month car note. I asked if my payments could be put on hold or stretched out while I get the vehicle fixed but they told me I would have to continue with my payments and get the vehicle fixed. So I continued to pay the car note moving forward for the next few months and the vehicle was out of commission because I just couldnt afford to get the vehicle fixed plus pay the car note and insurance, so I had no choice but to give the vehicle back. They ended up selling the vehicle and put the balance on my credit report.
Product: Mortgage

My wife and I have a Mortgage with Mortgage Clearing Corp. Our current issue is XX/XX/XXXX, we called them to see if there were any programs that had that would be available to use due to financial hardship. Our mortgage at the time was {$1800.00} ; this was extremely high for us. This amount was about XXXX % of our net income, which is against the law, according to the law ; rental payments should not exceed XXXX % of your net income. 
At that time I spoke with a XXXX and then the XXXX of the company. And we were told to start paying {$1200.00} monthly ; this would be a loan modification. That was great for us. We never received any formal documentation regarding the modification, but we continued paying the {$1200.00} as we were told by Mortgage Clearing Corp. 
We then filed a Chapter XXXX Bankruptcy due to financial hardship. Now, we receive word that our Mortgage will be {$2500.00} starting in XX/XX/XXXX. 
We were also told by our Bankruptcy Attorney that we are behind on our Mortgage due to only paying the Principal and Interest, and that the taxes were not included in our payment. Due to a lack of funds available for Property Taxes. We did make all scheduled payments for our Bankruptcy Plan and we thought we could move forward to financial stability. 
Now, because we were paying the wrong Mortgage amount and subsequently are behind on our mortgage, our Bankruptcy can not be discharged. 
We have been paying {$1200.00} since XX/XX/XXXX and have never received any type of correspondence from Mortgage Clearing stating we were behind on our Payments. Had we received anything we would have made the correct payments. 
We simply can not afford to pay $ XXXX monthly at this time. I am a XXXX XXXX XXXX and my wife is currently receiving Unemployment Benefits due to her being laid off from her job. 
We are just looking to be treated fairly and the Business Practices of Mortgage Clearing Corp are unethical and borderline illegal. 
We are hoping that someone can assist us with dealing with Mortgage Clearing Corp in a professional manner, and receiving a more manageable mortgage payment. 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phones numbers and names corrected on my report as this is a violation on my consumer protection rights.
Product: Credit reporting or other personal consumer reports

There are still things on my report that are not mine, Please remove these things from my report, they are fraudulent accounts and should not be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.