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

Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission.

Please include documentation of said permission.
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. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i filed a ftc and police report alerting XXXX  XXXX about # XXXX account several times and again on XX/XX/2024. It is fraudulent and not mines. and what it removes asap.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT XXXX and I include it again. Kindly correct this account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wells Fargo Retail Services a Division of Wells Fargo Bank N.A with an address of XXXX XXXX XXXX XXXX NC XXXX is trying to report me as being late to the credit bureaus when in fact they entered into an agreement with XXXX XXXX XXXX out of California on my behalf. I hired XXXX to help me with my debt because of a loss of employment and health reasons. I was unable to make my payment, but entered into an agreement with CCC to negotiate with all my creditors. Wells Fargo was one of them. I was late with my payments and in XXXX I signed off on an agreement with CCC and they contacted Wells Fargo Retail Services on my behalf. Wells Fargo accepted an agreed amount of XXXX per month to receive as a payment. All past due amounts, fees and high interest rates were supposed to stop and cease at the very moment they accepted payment. But yet Wells Fargo is trying to report me as being past due to all the credit bureaus and that is not the case. They are saying i am past due XXXX and that is not the case. This is simply a case where this company agreed to a specific amount and are now trying to get more outside the scope of the XXXX agreement. This is nothing more than a Fraudulent attempt to reneg on their agreement with CCC. They are willfully trying to extort more money from me and trying to harm my credit because I am refusing to pay anymore than the amount that was agreed upon. My account is supposed to be reported to the credit bureaus as paid on time based on the terms and conditions of the XXXX agreement. I now may have to remove them completely from the XXXX program, default on the loan and leave them with nothing since they want to be greedy about this. Why continue to pay them an agreed upon amount each month for them to report as late or past due. This company has been found guilty of fraud int he past, they have agreed to pay multi-millions in fines because they opened up fraudulent accounts and now they want to pull this on me? Unacceptable.
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX I was instructed to send XXXX XXXX XXXX  in regards to a property I was purchasing XXXX XXXX XXXX XXXX Florida XXXX. I went to Bank of America XXXX XXXX XXXX XXXX XXXX NY XXXX. I am customer with Bank of America for over 20 years. The funds for {$210000.00} was sent for closing on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Me and my husband arrive on time for the closing my realtor XXXX XXXX from XXXX XXXX was at the closing with other people that he confirm was a part of the team. We did not get the until XXXX XX/XX/XXXX from our realtor he congratulated and leave. About XXXX he called us and said that title company did not receive our wire. I called Bank of America fraud immediately and ask the to stop payment and i was told the funds was still there. I then went to XXXX Police Department to report what had happen. XXXX XXXX XXXX XXXX took our report XX/XX/XXXX Case number XXXX XXXX and was told that a detective would call me. I called and spoke to him and he did not have any information. I went back to NY and i was told to sign the XXXX XXXX Acknowledgment form which I did sign before they could help me. I called almost everyday with no success I then reported my situation to the OCC on which they was investigating and stop. i now ask for them to reopen this case on which they are gave me a new case number XXXX. Please i am begging for your help right now my heart is so broken i do not have a job and very little money my husband heart by passes several please help me. The bank have the information where my money went and they refuse to help me thanks in advance XXXX XXXX.
Product: Checking or savings account

My debit card was hacked and compromised. Alot of charges that i did not make or authorized where on my account. I filed a claim and bank of america denied  my claim. I have experienced alot of fraud issues since banking with them. I tried to explain my card could have been hacked or compromised in the past while paying and swiping my card at the pump at gas stations
Product: Debt collection

You can go ahead and investigate this company. I have been trying to resolve a bill with XXXX XXXX and have spoken to them today on XXXX/XXXX/2016 in regards to my account and they said one thing they never do is put anything on folks credit report if they agree upon or trying to pay off debt.The only reason i had a big bill is because a consumer used my name fraud without my permission saying it will save me money on my bill. We are currently in court resolving this issue. See documents attached. This company has called me NUMEROUS times and i advised them of my situation. As they seem to be understanding however no one has took action nor updated the systems any time i called or a rep called. Then i called again today and told them i will not pay them anything until they take my name off the credit report and they told me they would sue me. I find that really funny because that is against the law not only that only i am able to sue you guys for the many phone calls i received and the lies and miscommunication. i have my notes of every single phone call and rep i spoke with and will show all this in court. I will be reporting them to every single media outlet i know. It is n't right. I want to pay my debt and have no problem doing so but if i am TRYING to do something DO NOT LIE and go behind my back and do something WE agreed upon. Regardless of what i want this off my credit report as i am making payments period point blank.
Product: Credit reporting, credit repair services, or other personal consumer reports

STOP BREAKING FEDERAL LAW! The creditor XXXX  is furnishing FALSE credit information to a third party ( EQUIFAX ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency EQUIFAX is negligent in their duty to investigate this disputed information for XXXX opened XXXX XXXX for {$11000.00} Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title? 
Has insurance been filed for this account? 
Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance Disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the Gramm Leach Bliley and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. EQUIFAX is furnishing late payments on an extension of credit on behalf of XXXX. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including EQUIFAX in a RICO along with XXXX!
Product: Debt collection

To Whom It XXXX Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

To clarify this matter, please provide the following : XXXX. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
XXXX. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 
XXXX. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( XXXX ). 
XXXX. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 

Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 

Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 

Permissible Purpose of this claim. 
Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 

If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 

Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 

Best regards
Product: Vehicle loan or lease

The account was mine and my ex-husbands. When we got the divorce he got the car and has not been paying notes on it. I have begged him to refinance in his name only and when he refused I called the company Credit Acceptance where it was financed through and begged them to come get the car due to me being the military personnel on the loan. They also refused to come get the car. He has been arrested in the car numerous times and I dont want to have anything to do with it and I want it off of my credit.
Product: Checking or savings account

Hi, I am writing to file a complaint against navy federal Federal credit union Regarding multiple overdraft fees that I have incurred. Despite having insufficient funds When transaction was authorized I was charged fees due to lagged posting of charge and credit. 
This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 
I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts within 4 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent accounts on my credit report. It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXXXXXX -PLEASE DELETE!!!! 
XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. To address this issue, I have previously taken the following actions : The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to transition XX/XX/XXXX and asked them to investigate negative reporting accounts on my credit profile that I am not aware of. They responded and said the accounts were accurate but did not update any information. I sent another letter XX/XX/XXXX and asked for transunion to send me the original documentations of the accounts they claim are mine and if they could not provide it, they need to delete it. Their response to that letter was that I was working with a credit repair company. On XX/XX/XXXX I sent another letter telling them I am not working with a credit repair company and I would like for those accounts in question to be deleted. On XX/XX/XXXX, I received a letter stating that they need more information because they dont understand the reason for my dispute. My last letter was sent XX/XX/XXXX along with all the previous letters I have sent telling transunion that I did not like the way that have handled my disputes and I am filing a complaint since they can not provide me with any documentation stating that the accounts in question belonged to me. It's been since XX/XX/XXXX that I have been writing letters to transunion and they are not taking my disputes seriously. Since they have had 4 months to provide me with relevant information and they have not, I am requesting the CFPB to now have transunion delete those negative items reporting on my profile that I am not aware of. It is hurting me as a consumer.
Product: Money transfer, virtual currency, or money service

I had someone pay me using zelle to later have my funds sent back to the purchasers account
Product: Debt collection

On XX/XX/2020 I received a notification that a collections account was added to my credit report. However, I had not received any notification or documentation about the alleged account or debt. I was not given any opportunity to contact the company to verify or dispute the alleged debt The amount showing owed is {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with XXXXXXXX XXXX  during that time due to the pandemic, XXXX has received a a lump sum and consistent payments since XXXX XXXX XXXXXXXX XXXX states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Product: Vehicle loan or lease

Wells Fargo falsely repoed my XXXX XXXX because their computers glitched is what the letters stated. I had less than {$14000.00} more to owe on this XXXX XXXX civic before it got repoed. During the repo incident I purchased A XXXX new XXXX XXXX basic and the dealership tacked on the fees so a XXXX vehicle cost me XXXX because of this repo. This glitch has put me in a bind and didn't even pay for the emotional stress it put me in. I'm asking for them to pay off my vehicle like they should have in the beginning. This caused me to pay {$700.00} a month on this vehicle. This has caused me so much damage financially. 
Wells Fargo sent me a check for {$15000.00} and explained why the compensation was added. All of it was put towards the XXXX, leaving me with a balance of {$10000.00} for the XXXX XXXX. I'm asking to pay off the rest of the balance because this repo should have never happened
Product: Money transfer, virtual currency, or money service

XX/XX/year> I formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

Original credit card debt from XXXX from an old XXXX XXXX credit card. Collection bill was sold to Sentry Credit , Inc . I received updated collection bill on XXXX for {$660.00}. I paid {$660.00} on XX/XX/XXXX. Sentry Credit did not report bill as PAID IN FULL. My credit has been dinged and the credit reports say this bill is UNPAID. Such fraudulent practices when a person actually pays their debts?!!
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This company sent our funds from our home sale to a scam email. They did not contact us in anyway to confirm a bogus email that they received instructing them to send the funds to a random bank account. The escrow company sent our funds to the scam bank account and so far the scammers have been arrested and the bank still has not come through with payment to us. its been 2 1/2 years.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to inaccurate information on report. I filed a dispute on multiple items on my credit due to my information being exposed in the XXXX and equifax data breach and they have failed to correct anything on my credit. Some of these accounts are not mine! XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car. XXXX and Equifax violates my rights as a consumer, as well as federal laws.