23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This the 2nd time been denied~ a loan. Was denied access to my credit from this bank. Stating that eye ' don't meet basic credit requirements and that they would be unable to extend credit at this time. This is not a determining factor, of me accessing my credit. In this consumer credit transaction. XXXX, am aware, that eye am the Consumer and Original Creditor and can not be denied an extension of my credit. Pursuant to 15 USC 1611. They are criminally liable for giving me false and inaccurate information, willingly and knowingly. Pursuant to 15 USC 1681 ( k ) denying me access to my credit is an adverse action and under the Equal Credit Opportunity Act qualifies as discrimination. 12 CFR Part 1002 Supp. 1 Sec 1002.4 ( a ) 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX reports with accounts reporting inaccuracies and errors, please delete these and update my personal info
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.
Product: Debt collection

I don't owe anything to WAKEFIELD & ASSOCIATES with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, IL XXXX I am writing to formally dispute incorrect personal information listed on my credit report. Below, I have detailed the inaccurate entries and provided the correct information for your immediate review and correction : XXXX. Name Incorrect 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. Employer Incorrect Entry : XXXX XXXX XXXX XXXX XXXX XXXX : [ No employer or update to the accurate one if applicable ] I request that these errors be investigated and corrected under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). Please ensure my credit report reflects the accurate information provided above. 
To assist with your investigation, I am including the following documents for verification : A copy of my government-issued ID ( e.g., drivers license ). 
A recent utility bill or official correspondence verifying my current address. 
Please confirm in writing once these corrections have been completed or if additional information is needed. I expect your response within the time frame outlined by the FCRA. 
Thank you for your attention to this matter. Please feel free to contact me at [ Your XXXX with any updates or requests. 
Sincerely, XXXX XXXX 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 U.S.C. 1681 Section 602 A. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am filing this complaint to the TRANSUNION. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective November 30, 2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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. 

I have included my FTC report with the number XXXX as proof of this complaint.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX sold my loan to SST and I was not aware. Once the company sold the loan, the new company, SST, has been messing up the payments and trashing my credit. I have had perfect payments on this loan for two years and now I am late and charged hefty late fees for the company not drafting the money and not processing the paperwork that is needed in a timely manner. the very first call I received from SST was letting me know that I was {$430.00} dollar delinquent but the partial payment had just been taken out on the XXXX which was only 3 days before. Since then, my auto drafts have not been coming out and I am now late again on the payment when it should have been an auto payment. Now, due to their error I am needed to pay a month and a half payment to catch up the account due to their mess up.
Product: Debt collection

WAKEFIELD AND ASSOCIATES obtained my XXXX consumer report on XX/XX/23. I have sent numerous letters asking why they obtained my report.They have refused and failed to respond to any of my communications. I wish to know the reason WAKEFIELD AND ASSOCIATES obtained my XXXX consumer report on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently added delinquent payment status on my XXXX XXXX account XXXX 
XXXX ) Equifax claimed to have verified this account XX/XX/2023 and there was no late payment statuses updated after their investigations, but suddenly XX/XX/2023 added XXXX day late status to my account. 
XXXX ) as mentioned before, this account was transferred in XXXX to another Mortgage company. This account has not been active for the last 120 days. 
XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX me that they notified all CRAs to close this account with NO delinquent status
Product: Checking or savings account

I opened a CD account onXXXX  at 5.4 % rate for 12 months before the account reached maturity the bank closed my account and notify me with an email on XX/XX/year> I called and asked the bank the reason for closing my account, the bank responded security reasons but they could not tell me why. I transfer from XXXX XXXX to BMO after 10 calls I realized there is no one to help me I gave up with 1 hour on the phone every time. Finally, they sent me a check for the amount of {$49000.00} and deducted {$1200.00} from the original amount of XXXXthey are frauding senior citizens like me for no reason. they can not provide any documents I closed the account or request an early withdrawal. I ask them to send me any proof they have nothing was send to me. 

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

I had 2 accounts with this agency. One of which has been paid in full in 2020. That left 1 account that is listed duplicated on my credit report. Further more this is a medical collection under XXXX and should be removed immediately
Product: Credit card or prepaid card

I had a Capital One Credit Card that was open from XX/XX/XXXX-XX/XX/XXXX. I went through a financial hardship in XX/XX/XXXX and in XX/XX/XXXX. I was diagnosed with XXXX XXXX and had to miss work on these two separate dates for a hospitalization and was late on 2 payments in the amount of {$37.00} and {$40.00}. I since closed the account in good standing.
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 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 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 saftey.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX XXXX XXXX XXXX service member. Freedom Mortgage has inaccurately and unfairly reported various 30 day late payments on my credit report. In fact, The 30 day late mortgage payments are creating an inability to financially create security for my family. The inaccurate and unverifiable information has been disputed by me directly with the data furnisher ; Freedom Mortgage. 

My rights under the FCRA have been violated along with what appears to be a COMPLETE disregard for my rights under the Service Members Civil Relief Act. 

These " late '' payments were a result of being forward XXXX in direct support of military operations in a foreign country. Internet services would go down for weeks at a time making it difficult to make payments on time. I had zero control and couldnt predict when internet services would be impacted. Mortgage payments were on time during the months where internet services remained online. There was NEVER a time however that my late payments exceeded 30 days. I have disputed these late payments as they are not only inaccurate but illegally reporting. 

My role as an XXXX XXXX service member is to protect the country. " FREEDOM '' mortgage is not only protecting me as an XXXX XXXX member but is contrarily causing severe hardship to myself and my family by refusing to update my credit report to reflect accuracy. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX  Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Commercial Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX I am writing to request these inquiries are removed from my credit report. of the following information that appears on my Equifax Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Equifax report immediately! 
XXXX XXXX
Product: Credit reporting

TransUnion is falsely advertising that they will sell you your XXXX-bureau credit report and score for {$9.00}. Once you sign up, pay the {$9.00}, and log in, you are required to pay another {$29.00} for the services advertised. I have attached a picture. Both my husband and I fell victim to this fraudulent advertising, but we caught it right away and were able to cancel. The customer service agent who took our call said that it was " never advertised '' that this service was included in the {$9.00} initial price and that it was a separate service entirely. As you can see from the attached documentation this is clearly a lie - the advertising on both the splash page and the sigh-up page claim the reports & scores are included in the {$9.00} initial cost and there is no mention anywhere of the " seperate service '' or " additional cost ''. I would like to report them so no one else falls victim to this deceptive advertising. It 's such a shame that this should come from one of the main credit bureaus that people are inclined to trust!
Product: Student loan

I 've contacted Navient and have spoken with XXXX XXXX XXXX with their Office of the Customer Advocate on numerous occasions about the inaccurate reportings on their behalf to all XXXX bureaus and he refuse to comply with FCRA guidelines in regards to the deletion or correction of such inaccurate reportings. XXXX XXXX, who is representing Navient has communicated through written correspondence facts that support that they are reporting inaccurate information, as well as, reporting conflicting information to each bureau as well. They have exceeded the duration of time given through the FCRA and I am requesting your assistance in holding them in compliance of such federal regulations. Also please note that a formal dispute was sent to them by certified mail and neither Credit Bureaus conducted a proper investigation if so the information would have been removed.
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. This accounts were not verified correctly and oppened FRAUDELENT under my name. Please remove : XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not know when this accounts were oppened or amounts owed or if its current. I purchased a XXXX bureau credit report and notice this fraud accounts. 

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX sent in 3 payment one of the 3 was lost in ACH customer service rep stated. Still no credit for that payment. Now sent in a bill pay payment on XX/XX/XXXX delivered on XXXX XXXX Freedom Mortgage had a verbal confirmation from XXXX XXXX XXXX that money was send on XX/XX/XXXX. Spoke w several CSA/Supervisors. Payment is missing! 
{$2000.00} payment can not just be missing. 
I need HELP! This is so in professional and quite frankly just bad business. I know for a fact I am not the only one having this problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 Wells Fargo said they sent the funds back to the sender in the amount of XXXX the merchant XXXX XXXX is saying that they don't have the funds and that the third party that used to send the funds XXXX doesn't either. They said XXXX  has the funds and they aren't going to get the funds to credit my account back and to reach out Wells Fargo in trying to get those funds back to them or however it will work. The funds are in limbo currently I don't know what to do. No one is helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charges on my credit report. I am a victim of identity theft. I would like to request that the following accounts be deleted from my credit report. The following charges were not authorized : XXXX Account # : XXXX and XXXXXXXX  Account # : XXXX. Please block and remove these accounts from my report, that any finance and other charges related to the fraudulent amounts be blocked and removed. I am also requesting that I receive an accurate statement. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

after carefully reviewing my credit report and Wells Fargo Card Services has not updated the credit account to included in bankruptcy with a XXXX balance. Per the FCRA if an account is listed on an active bankruptcy then the creditor needs to update the account as included in bankruptcy with a XXXX balance and/or list is as closed and remove the account from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are reporting inaccurate information pertaining to a bankruptcy, all 3 agencies show different information. Under the law all 3 agencies must report same information XXXX has file date XX/XX/XXXX TransUnion has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX TransUnion has Ref # XXXX XXXX has Ref # XXXX XXXX has month of discharge - None TransUnion has month of discharge - XX/XX/XXXX XXXX has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX MS XXXX TransUnion shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, MS XXXX XXXX shows address - XXXX XXXX XXXX shows Type of Court - US Bankruptcy Court TransUnion shows Type of Court - US Bankruptcy Court Experian shows Type of Court - US BKPT CT XXXX shows phone # XXXX TransUnion shows phone # XXXX XXXX shows none
Product: Debt collection

I received a credit collection notice in XX/XX/2018, it was for someone of a different name in a different state. I called them and told them it was sent in error, they did nothing. I disputed this with XXXX  and they said it was valid.