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

I have tried multiple attempts to resolve this issue with the credit reporting agency and this account 's Furnisher ( XXXXXXXX XXXX ACCOUNT ending in XXXX ). they have failed to follow proper fcra requirements for investigating this account 's errors and violations of the fcra. each time, the investigation has resulted to be verified as accurate and a false statement that they are reporting 100 % full accuracy when they are aware of these errors and violations. 

furthermore, I am summiting evidence of how inaccuracy and errors still report on my current credit file as presented to the CRA 's and account 's furnisher. 

This account was closed during a national emergency pandemic by which I was highly affected, and, the furnished promised to report the account as closed by the grantor. at that point should discontinue payment history as it can not report activity on a closed account which violates the FCRA section 623 in regards to reporting delinquency and charge-offs while an account has been already closed. this is clearly a violation of the fcra. 

The Cra has also not conducted a thorough investigation on all my claims, I have contacted them over the phone and have been denied information, and also have falsely verified the account to be reported as accurate when it is not. 

This account has also violated the 120 days rule stated in the fcra section 623 regarding delinquencies reported during covid 19 national emergency and 120 after the national emergency to covid 19 is over to allow forbearance to those affected by covid 19 which I mentioned prior to I was impacted by the pandemic. 

The Cra investigation also had failed to express the authority in whether or not to accept the information received by the furnisher and lied when I tried to get information regarding the investigation and that they are not allowed to promptly remove the account or fix the issues and inaccuracies as it states in FCRA section 623 This account has failed to report 100 % accuracy to XXXX and Equifax. Attached I will have a copy of the report to support my complaint. 

Also, I will attach a letter sent from the furnisher regarding the closure of the account and how it will contact the cra 's to how it should report the account and about the closure of the account and I am sure they never contacted them. 

The cra 's as well as the furnisher have also been properly notified about these errors and inaccuracies and they still verify as accurate. the investigation has not been thoroughly done by nether party and this has been a burden to the integrity of my credit file. this has been humiliating that i had this account closed in good standing and yet had been allowed to commit these violations and errors by the furnisher and the cra 's allowing them to do so. this is clearly a violation to fcra section 623 and 15 usc 1681. 

For this reason, i ask for the CFPB 's help in resolving this issue and having the proper solution of prompt removal. 

Please find all evidence of XXXX reporting, Equifax reporting of this account under attached files ( evidence XXXX errors.pdf )
Product: Credit reporting

There are a lot of inquiries on my credit that are n't from me and they refuse to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my dispute and to Equifax on XX/XX/XXXX For unauthorized inquiries XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX they did not respond within the 30 days which according to the Fair Credit Reporting Act they have 30 days to respond or must be deleted it also according to the Fair Credit reporting act anything inaccurate or unverifiable must be deleted
Product: Debt collection

Wakefield & Associates is on my credit report. I call them. Talk with XXXX. He gave me some info saying XXXX XXXX send my debit to collecting for a 2017 ER visit. I ask for a copy of the statement to be mail to me. He tells me I can get it email. We then continue to talk about a XXXX. XXXX XXXX End of call. No money send. 
I received an email 2days later. 
XXXX XXXX XXXX XXXX - XXXX Wakefield & Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Direct XXXX ( this email change to a XXXX strand now ) Look at there website. Headquarters is located in XXXX 
I reach out to care point talk with an employee who was kind enough to help. My account is Zero balance. The guy also mention they dont do business with Wakefield & Associates . I ask for copys to be mail to me. 
When this information, and the address. On the website shows they are open.I figure I go talk with someone at the headquarter office. To get it resolved. I arrived to the location.I go up stairs. To my surprise the building is abandoned. I call them. Still no resolution
Product: Debt collection

Got the attached letter in the mail today, called them they were no help. 

Called XXXX and they know I do not owe that I pay in full monthly. Not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted that someone attempted to open an bank account in my name in XXXX XXXX, TX but I reside in XXXX, OK. I did not attempt to any new account. 

I immediately place fraud alert and Freeze on Equifax, XXXX and XXXX. No one is to view my report and I have not submitted for any credit or new accounts since XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I received an alert that someone attempted to use my name or applied for an account with XXXX, I did not authorize such transaction and this was not me. I immediately submitted a dispute to Equifax on XX/XX/XXXX stating this was fraudulent inquiry. They have stated that this is accurate and will not remove the inquiry from XX/XX/XXXX. This is not accurate, I did not submit or authorize my file to be reviewed as it is frozen and fraud alert has been placed on my file. 

I request removal of XXXX - XXXX XXXX XXXX XXXX XXXX GA XXXX from my Equifax credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Someone -- I do not know who -- applied for a credit card in my name with JPMCB Card Services. JPMCB opened the account and I was notified about this probable fraud by Privacy Assist, to which I subscribe. I notified JPMCB that I never applied for a card with them and requested that they close the account permanently and note it as a case of fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 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

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXXXXXX
Product: Mortgage

In XX/XX/XXXX we put our earnest money down on a new construction Chesmar home. At this time, we applied for a loan through their lender XXXX XXXX. 

We closed in XX/XX/XXXX. During all of XXXX our mortgage payment was {$1700.00}. In XXXX it jumped to {$2500.00} as we were {$4100.00} short in our escrow. Although we were paying extra into our escrow account, we were still short. We could not make the new payment of {$2500.00}. I called the bank that has our loan and asked what my options were. They spread the shortage over 36 months making our new payment {$2300.00}. Not what we had originally been told our payment was when we closed but it was better than {$2500.00}. 

Now we are struggling to keep up. We decided to try to see if we could get into a home with a lower price point in hopes to have a more manageable mortgage. Working with a different lender this time we have investigated what options are available to us. At this time, we were informed that our escrow account should never have been set up to the unimproved amount and should have been set up to the improved amount of the home and land. It also appears our debt to income ratio was too high, and had they used the improved amount, we believe we would have been denied for the original loan. On reflection, we feel we never should have been approved for a loan of this amount but were guided by the lenders at the time. 

We are now in a difficult situation as we do not qualify to refinance due to the debt to income ratio and selling our new home will be hard as our neighborhood is still a new construction area. There have been no homes sold yet by the original owners to even compare our home. If we sold, we would walk away with less money than we even started with, resulting in us not being able to purchase another home. 

Being approved for this loan has put us in a financial and emotional hardship. At closing we signed for an estimated {$1700.00} and we are now paying {$2300.00}. We trusted XXXX to approve or deny us honestly, but we feel we were just approved even though the numbers didn't add up. We feel XXXX failed to set up our escrow account correctly resulting in a substantial shortage. Following closing I reached out to XXXX multiple times asking what the appropriate amount we should be putting into escrow each month and I never got a response back. 

My husband and I are both XXXX  in the community. We were also never told about the numerous programs that are available to XXXX   and feel as though this should have been information provided to us at the time of the mortgage process. 

We feel taken advantage of as first-time home buyers and were pushed to go with the builders lender. I would like XXXX XXXX to be held accountable for this. I would also like your assurance that this will not happen again to other naive first time home buyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, and I noticed some inaccurate information from XXXX XXXX XXXX about some late payments I have never had a late payment associated with that account I contacted the credit reporting agencies to correct the inaccuracies but they didn't.
Product: Credit reporting or other personal consumer reports

company reporting a charge off on my credit report, despite getting full payment from my insurance company + XXXX insurance.
Product: Money transfer, virtual currency, or money service

Robinhood locked my account XX/XX/XXXX with no explanation. From there they requested my ID and picture through the app which then turned into them requesting bank statements. 

I have sent everything and been on the phone with them twice for over 2 hours as of XX/XX/year> my account is still locked and they will not let me touch my funds at all. Countless hours wasted trying to get in contact with them and they never get back. They always call from an unauthorized number as well instead of the one they should and they just keep asking for more and more screenshots! 

I need to get to my funds.I have no way of getting in contact with them either its completely on their time, otherwise you can not talk to them or get help. If i could sue them i would at this point.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the incorrect reporting of a closed account on my credit report by XXXX. The account in question is with XXXX XXXX XXXX XXXX, with a past due balance of {$2900.00}. Despite the account being closed, XXXX is inaccurately reporting it as an open account. Additionally, the debt appears to be re-aged, with a date opened of XXXX and a date reported of XXXX. The account is reported as a charge-off, yet they have stated they still own the debt, which is misleading and inaccurate. 

This debt is currently under dispute, and despite my efforts to resolve the matter directly with XXXX, the account continues to appear incorrectly on my credit report. The reporting of this account as an open debt and its recent re-aging is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also unfairly impacts my credit score. I have contacted XXXX to dispute this issue, but it remains unresolved, and the account still reflects inaccurate information. 

Under the FCRA, I am entitled to accurate and complete information on my credit file. The misreporting of this account as open and re-aging the debt to reflect a later reporting date is a clear violation of my rights. I am requesting that XXXX either correct the account status or delete it entirely from my credit report. 

Moreover, as this information is incorrect, I am asserting my right to request its deletion. The FCRA mandates the removal of any inaccurate or unverifiable information, and I am requesting that XXXX delete this erroneous entry from my credit report. 

Please investigate this matter and ensure that XXXX rectifies this mistake by either correcting the account status or removing it completely. I would appreciate prompt action on this matter and request that you keep me informed of the progress. 

Thank you for your attention to this issue. Should you require any additional information or documentation to support my claim, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


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 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 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 card

On XX/XX/XXXX, I owed just XXXX on my Chase XXXX XXXX XXXX XXXXXXXX XXXX card. I paid the balance in full on the due date. This left in balance in the account at XXXX. Several days later they issued a new statement saying that I owed XXXX in interest on a balance of XXXX balance due
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I mailed in a letter requesting the deletion of several accounts that were inaccurately reporting to my credit. The company did not give an update regarding the investigation. The company also refused to properly update and validate the disputed accounts. In addition to the above, I requested the removal of ALL credit inquiries reporting to my credit that are NOT tied to an open account and the company has not cooperated in any way.
Product: Debt collection

PayPal has been sending me harassing emails regarding a small charge on a closed credit card associated with an account that was hacked and which I am unable to access. They refuse to take any form of payment online or confirm the payment of the debt and I am unable to see the actual charges on this credit card. They have been reporting this debt to my credit reports despite it clearly being a phishing scam that only demands my debit card number over the phone. 
The account is a Synchrony Bank XXXX account that ends in XXXX and the PayPal account associated with it is XXXX which has been hacked and closed by other people without my permission.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items and ensure that the information being reported is accurate. 
Here is the item I am asking for verification of accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite requesting validation ( in the form of an original contract ) from the bureau, I've not received any original contracts, and the information on my report still exists. 

I have attached an original FTC Report I sent on XX/XX/17. I filled a complaint but They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This law requires that fraudulent information resulting from identity theft must be blocked and removed from credit reports upon proper notification. 
The accounts in question are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$XXXX} Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 the recent CFPB 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 funds was unfeasible. CFPBs findings indicate that Zelle 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 safely.
Product: Debt collection

I HAVE DISPUTED THIS ACCOUNT AND YOU HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES YOU TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT YOUR CLAIM, ORIGANAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.