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

I sent 3 letters approx. ( XXXX ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, Transunion and XXXX in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the XXXX data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, XXXX and Transunion do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX refused my payments and then charged off the account. They have ignored the cease and desist letter sent regarding the charged-off account and are continuing to report the account to the consumer reporting agencies which is a direct violation of the cease and desist letter and the Fair Credit Reporting Act ( FCRA ). Transunion continuing to report this information is collusion with XXXX XXXX to violate my consumer rights and is grounds for legal action/arbitration.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights.

I looked at my TransUnion credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 am writing to formally notify you that I am a victim of a data breach and I request that you immediately block and delete certain inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following inquiries were made without my knowledge or authorization and are the result of fraudulent activity : Fraudulent Inquiries : XXXX. XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year>
Product: Student loan

On XX/XX/XXXX, I received an email from Mohela stating that I was required to recertify my IDR SAVE Plan before the XXXX deadline. I submitted my recertification application a few days later. There had been no changes to my income ( still {$0.00} ), as I am a XXXX XXXX living on an XXXX XXXX abroad. My application was denied by Mohela on XXXX XXXX, XXXX with the statement that I am " not currently due for an annual renewal, '' despite contradictory information in their XX/XX/XXXX email. I was then told that the due date for recertification is XX/XX/XXXX. 

I resubmitted my recertification application after receiving an email on XX/XX/XXXX that my monthly payment amount has risen from {$0.00} to {$200.00} due to failure to recertify ( even though I attempted to recertify ). I have already submitted a complaint on studentaid.gov, but I am submitting one here also, as I am not able to pay this {$200.00} amount.
Product: Debt collection

Ive contacted this collection agency several times regarding the in accurate information and debt that they claim I owe to them. Each certified request validation or verification they send me a copy of a statement and continue to report different amounts with different dates on my credit file. I recently sent them a letter asking them to present me with legal documentation that they are legally allowed to collect the different amounts instead, they sent me a response my letter holds no new facts and they will not conduct another investigation. Instead of providing me the information that I requested. On several occasions theyve sent me notices to fill out identity theft form. I have a RIGHT to have accurate information reported on my personal Credit reports. This company over and over has failed to do so. 

They have failed to validate a debt at my request continued to report a disputed debt
Product: Mortgage

In XX/XX/2019 freedom mortgage reached out to me about refinancing my home, I was a little hesitant but went on with the process. Now here it is the end of XXXX and we still haven't closed, although I have received at least 4 calls/texts/emails saying it's time to close, but when I call back there is another stipulation. I was told SEVERAL times we wouldn't have to make a payment on our current mortgage since they were gon na be paying it off, but then they came back and said we couldn't move forward until XXXX payment was made, at this time a late fee was applied, they promised to have it removed, its still not removed. After being promised if we paid the XXXX payment we would move forward, we still haven't. I have now had to pay XXXX payment. No one will return my calls or emails at this point. Several weeks ago I was told my case was being expedited, not sure what that word means to them, but a month later and still no response is unacceptable! Having to come up with 2 payments I was previously told not to worry about has put a major strain in my life and no one there seems to care about their negligence. Makes me wonder if this is even a legit company!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017 I have sent numerous written requests to the credit agency TransUnion in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. In which one they removed. I have requested debt validation of these companies listed on my credit report per Section 609 of the FCRA ... Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have to this day received no validation, no proof of any contract or orally any agreement showing I owe a debt to this company. I have submitted proof that one of the amounts listed for {$500.00} was removed by TransUnion, but yet the {$1700.00} amount still appears on my TransUnion report. This is a clear and blatant violation of Section 609 because nothing has been provided to me despite the numerous times I have requested validation of this account from XXXX XXXX XXXX. I am humbly asking tis matter to please be investigated. As shown by removing the amount for {$500.00} shows I have no contract with this company or any oral agreement with this company I owe them none of the monies listed they say I owe, and no validation of these accounts were given to me as I have requested numerous times. I am humbly asking for an investigation into this matter. 


Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I recently sent a letter asking XXXX, XXXX and Equifax to investigate some accounts on my credit report. Here are the tracking numbers : ( Sent Certified Mail on XX/XX/XXXX ) XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX / Re : XXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX XXXX / Re : XXXX XXXX requested XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX / Re : Equifax investigation requested on XX/XX/XXXX It has now been over 30 days, I believe these consumer reporting agencies are in violation. 

According XXXX XXXX XXXX XXXX, XXXX and Equifax have 30 days to investigate and send me the results. They also never recorded the current status of the disputed information, which is another violation. 

I have all of the evidence attached below.
Product: Credit reporting or other personal consumer reports

Customers Statement of the Problem : I called experian today ( XXXX, XXXX XXXX  ). I dialed ( XXXX ) XXXX. I spoke to an agent on or around XXXXXXXX XXXX XXXXXXXX. I spoke to a female agent in the general dispute department. I asked to be transfered to the fraud department. She then asked if I want to add a security alert. I said no and expressed concerns about a security alert, and that I believe a security freeze is better. She responded do you want me to hang up or transfer the call to fraud? It is inappropriate to ask a consumer do you want me to hang up? That is unprofessional. I never used any profanity. I asked for her name and she refused to answer. She then put me on hold without my knowledge or permission. After three ( 3 ) minuets, she took me off hold, refused to give me her name and then transferred while I was still talking. I was then transferred to the fraud department and spoke to a male agent in XXXX XXXX on or around XXXXXXXX XXXX  XXXX. After providing the agent my name, address, date of birth and social, he suddenly stopped talking and there was a long moment of silence. I kept saying hello?, agent are you there? Hello?, and there was no response. My phone was still connected to the call so I know my phone did not drop. This is unacceptable. I seek to hold experian accountable for its actions. Please sanction experian. See case complaint no. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the below mentioned Credit Reporting Agencies in reference to adverse information reporting in my credit file. I have disputed on two other occasions and have also filed a complaint with thee CFPB and the reporting agencies have not sent the proof, documents or paperwork that was used to verify that these accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX and I have tried several times trying to reach out to Experian. They have constantly closed my complaint just made excuses on why they could not answer my complaint.This is my third time and the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I feel like I am being ignored
Product: Checking or savings account

Almost every time they take out the mortgage payment which I signed up for them to get it on the fifth of every month they were changing me an overdraft fee that caused my account look bad and affected my credit history. I went to talk to them about it but still continue to do the same thing. I could look at my credit report with other institutions it looked better than what I see in their report was always lower than other reports and they are holding my mortgage so I couldnt try to refinance or get a fair loan mortgage because of their mismanagement of my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain negative information listed on my credit report, specifically regarding the account with XXXX XXXX XXXX, which indicates a late payment dated XX/XX/XXXX and XX/XX/XXXX I believe this information is inaccurate, because my payment was submitted and went through. 
Didn't receive any phone call from them, I recently find out, I have a late payment on my credit report, my payment was submitted before the 30day they end up taking the payment in my account a couple days later, its an on going issue its happen multiple times.

I spoke to them over the phone they said submit a dispute everything will taking care of. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, consumers have the right to dispute any information on their credit report that they believe is incorrect or misleading. The law requires that all information in a consumer 's credit report be accurate and verifiable. 
In this particular case, the late payment reported for XXXX XXXX XXXX  does not accurately reflect my payment history. I kindly request that you investigate this account and verify all documentation related to this negative entry. I am confident that upon review, you will find that this late payment is not valid and should be removed from my credit report. 
Please send me a written response confirming the results of your investigation and any corrective actions taken. I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank illegitimately closed my XXXX Account for no reason in XX/XX/2020. Comenity Bank then lowered credit limits for : XXXX  XXXX, XXXX, and XXXX XXXX XXXX cards as a result of a dispute I was handling with XXXX. Comenity bank improperly used information from dispute with XXXX and lowered my credit limits on all other credit cards severely negatively impacting my credit score, despite every other credit card being paid on time / no missed payments. I have attempted contact via phone and email to no avail to settle the dispute and restore my credit card limits which will also help restore my higher credit score.
Product: Checking or savings account

On XX/XX/XXXX, I tried to log into my Novo.co business checking account and the 2-factor authentication via text message as it was supposed to. I tried several times but the text message with the code never arrived. I reached out to Novo and I began a back-and-forth of several email messages with Customer Support. I tried all the things they suggested and nothing worked. A few times they went as far as to say the issue was fixed and I should try to log in. When I did, the XXXX authentication code still failed to arrive. This has been going on for 10 days and I still do not have access to my account. They repeatedly have failed to fix the problem and my funds are not accessible. I asked them to close my account and transfer the balance to a new checking account at another bank and they said I was the only one who could do this by accessing my account and moving the money myself! But I can't access my account! So I'm locked out of my account, I have bills to pay, and they continue to say it will be fixed " today '' but it never is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Report Item XXXX ( XXXX XXXX  ) To Whom It May Concern : I am writing to formally dispute an inaccurate item that has been reported on my credit file concerning a debt with XXXX XXXX , managed by XXXX. I believe this issue is a result of an error and needs to be corrected promptly. I have attached supporting documentation for your review.

The details of the account are as follows : XXXX Account Number : [ XXXX ] Creditor : XXXX XXXX. 
Resolution Date : XX/XX/year> ( as indicated in the attached documentation from XXXX ) As outlined in the attached correspondence from XXXX, this debt was fully resolved, and I received confirmation that no balance is owed. Despite this, my credit report still reflects a negative charge-off for this account. The continued reporting of this debt as unresolved is inaccurate and unjustified.

I am requesting that the Consumer Financial Protection Bureau assist in having this negative information removed from my credit report, as it no longer applies. This correction should be reflected with all three major credit bureaus : Equifax, XXXX, and XXXX. 

Thank you for your immediate attention to this matter. I look forward to confirmation of the removal of this erroneous information. 

Sincerely, XXXX XXXX XXXX
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 safety. 


I also have had problems in the past where Im not sure it was because I changed my phone everytime I was sent money I would not receive it and I would have to tell the person sending it that I have to request it first, and they wouldnt get that money back this was back in XXXX till recently I fixed it. 
This was affiliated with my XXXX account that I no longer have : account number was XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 US CS1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent in letter for removal of inquires XX/XX/XXXX and the XXXX
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against this credit reporting agency due to their ongoing failure to report accurate information, despite my multiple efforts to dispute and correct these errors. The actions of the credit reporting agency have infringed upon my rights under the Fair Credit Reporting Act ( FCRA ), and I seek your assistance in addressing this issue. I have been meticulously monitoring my credit reports and have repeatedly observed inaccuracies in my credit history. Although I have filed disputes with the agency and provided all necessary documentation, they have not conducted a reasonable investigation as mandated by the FCRA, nor have they corrected the inaccuracies.XXXX XXXX  : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. You are being erroneous. Remove this on my credit report. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. You are being erroneous. Remove this on my credit report. 

XXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, How come that there are XXXX account numbers being reported. Remove this account ASAP. 

XXXX XXXX : Account number : XXXX, How come that there are XXXX account numbers being reported. Remove this account ASAP. 

XXXX : Account number : XXXX, This account is unfamliar to me. Delete the account. 

The right to prompt correction of inaccurate information ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the investigation results ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, nor did I give them permission to review my credit report verbally or written, which brought down my score significantly. I requested information from the credit bureaus where I gave consent and I keep getting them constantly reporting and I was never given any proof over the last 36 days. the only one I recognize is XXXX  XXXX XXXX on XX/XX/XXXX. All the other inquiries and not legitimate and asked they be removed immediately and the credit bureaus not not honored my request. These inquiries and not mine and a inaccurate. 
XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX ( fadulant Acct/EX-Wife ). XX/XX/XXXX All Major Credit Bureaus : Experian XXXX XXXX