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

Subject : Request for Blocking Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear XXXX I am writing to formally request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you block fraudulent information appearing on my consumer credit report. This fraudulent information consists of accounts, hard inquiries, and collections that I did not authorize, and which are the result of identity theft. 

Specifically, the following accounts are fraudulent and were not opened or authorized by me : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ). 
A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Account XXXX : XXXX ). 
A personal loan account opened at XXXX on XX/XX/XXXX ( Account XXXX : XXXX ). 
A credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2900.00}. 
A credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. 
In addition to these fraudulent accounts, several hard inquiries and collections have appeared on my consumer credit report, which are also the result of identity theft. 

I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report maintained by you, which reflects the aforementioned fraudulent accounts, inquiries, and collections. I do not recognize any of these accounts, collections, or hard inquiries, and I affirm that none of these transactions were initiated or authorized by me. 

All of the accounts, collections, and inquiries listed above are the result of identity theft and fraud. For your reference, I have also attached a copy of my FTC Identity Theft Report ( Criminal Complaint # [ private case number ] ), which serves as official proof from the U.S. Federal Trade Commission that these items are fraudulent. 

I request that these fraudulent accounts, inquiries, and collections be blocked from my credit report within XXXX business days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent items have been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Credi Collection : As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe.

An explanation showing how the amount was computed.

Copies of any documents that prove I agreed to pay the alleged amount.

The identity of the original creditor.

Confirmation that the account has not exceeded the statute of limitations ( SOL ) period.

Evidence that Credit Collection is a licensed debt collector.

Evidence of Credit Collection license numbers and registered agent.

Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( XXXX, XXXX, XXXX ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. I disputed this with the credit bureaus and the accounts came back verified. I also asked the credit bureaus XXXX XXXX how they conducted the investigations in which I received no response or no proof of a legal or thorough investigation. I also found several inaccuracies with these accounts that are a FCRA violations. The inaccuracies are as follows : For the XXXX XXXX XXXX XXXX  account with a balance of {$1100.00}, the opened date states XXXX  on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The date last active states XX/XX/XXXX on my XXXX report and XX/XX/XXXX on my Experian report. This is inaccurate information. Please delete the account. 

For the XXXX XXXX XXXX XXXX XXXX the date open states XX/XX/XXXX on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The date last active states XXXX  on my XXXX report and XXXX  on my Experian report. This is inaccurate information. The balance states {$1200.00} on my XXXX report and {$1200.00} on my Experian report. This is inaccurate information. Please delete the account. 


The inaccuracies lead me to believe that no investigations were done in reference to these fraudulant accounts. The credit reporting agency can not properly verify that the information they have is correct. I have not received any contracts with my signature as well. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you in advance!
Product: Credit reporting or other personal consumer reports

I sent multiple letters to XXXX, TRANSUNION and XXXX. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/2024 with the tracking number XXXX tracking number XXXX, TRANSUNION tracking number XXXX, XXXX tracking number XXXX. I never received any response from any of these bureaus. XXXX XXXXXXXX XXXX XXXX account number XXXX is reporting late on XXXX and that is 100 % incorrect this account is always paid on time and was never late. XXXX account number XXXX is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX - XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX  Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair 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  has violated my rights. 

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

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

Requested wrong addresses, alias names, & phone numbers to be removed. I was asked security questions with multiple choices & told by TransUnion representative on two occasions that I did not pass the security questions. It's unfair. I don't recall the information provided by the agent, & stated I did not know the person in question. Agent then told me to call another time & a new set of security questions will be provided & he'd be unable to remove any inaccuracies at this time.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I swapped XXXX worth $ XXXXUSD for approximately XXXX XXXX  meme coins registered on the XXXX  network ( Coinbase Network ) as MEME with official website XXXX. Upon trying to sell the coin on the base network in the same day, Coinbase stated in-app upon sale that the " transaction is likely to fail '' and if I proceeded, that my network fee ( approximately {$30.00} USD ) would be lost. I searched XXXX to figure out how to resolve this issue. Upon searching, I found that this is a common scam technique called a honeypot. A honeypot is when the issuer of the coin project allows coins to be purchased, but not sold or swapped out because the issuer / creator of the coin programmed it as such. I was disturbed by this, so I dug deeper. I found several sites that scan coins for the signature of a honeypot, and unfortunately several of the sites I found did, in fact, flag this coin as a honeypot. Ref : XXXX XXXX XXXX XXXX XXXX XXXX ( screenshots attached ) Upon seeing this, I am shocked to learn that this is quite common. Most likely due to the relative ease of creating and publishing a coin on Coinbase XXXX  network, which I didn't realize was so easy and cheap to do, which most likely is contributing to the sheer volume of scams that are occurring. There ought to be a deeper dig into potential coins that are seeking to list on exchanges that are so easily accessible by the public through a company that claims to be trustworthy. 

Included in the upload portion are swap functions, clearly showing the ability to buy, but not sell, the coin. Impossible to know it is unsellable until it is too late. I shall do my own research from here forward. 

I am left wondering- how is it that it was so easy for me, a singular person, to find that it is a honeypot scam, attempt to reach out to coinbase, send a report to the CFPB, etc? But for coinbase, at the time of this writing, a $ XXXX publicly traded company to continue having WHO KNOWS how many of these coins listed on their exchange without doing enough due diligence to vet " assets '' on XXXX  network?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried numerous time to have two hard inquiries not authorized. One is with Capital One credit card offer sent in the mail. I already have a Capital One credit card but they offered an upgrade that I did not get They pulled my report without me being told. This was XX/XX/XXXX. 
The second involves XXXX XXXX pulling report when their online add for mortgage rates said " no need to pull credit ". This was XX/XX/XXXX. 
After many phone calls to credit reporting companies [ you can't dispute online ] they told me to contact companies directly Guess what?, most popular response was " I will have to transfer you " with no results. If by chance I did not see something in the fine print, I can not even get a response to that. 
After more than 6 hours today XX/XX/XXXX I have had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and delete my records. Please delete the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to delete the accounts listed below : XXXX XXXXXXXX XXXX XXXXXXXX Opened Date XX/XX/XXXX Balance {$0.00}, XXXX XXXX AXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request to XXXX as well as XXXX and Equifax to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage from HUNTINGT MTG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called HUNTINGT MTG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and HUNTINGT MTG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in in XX/XX/2022. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report after 3 years of account closed Hyunday Capital posted a charge off in the amount of {$430.00}, when asked why an attempt of collection, call or letter was never sent they couldn't provide me an answer, my address and information never changed in the last 5 years, they simply decided to post the charge off which is hurting my business and financial situation since I need to keep my credit is good standing for my business to run properly.

My complaint is to make sure they had a valid bill and use not only the legal but the right way to do so, I have no problem in paying if they can prove the fact they tried to reach me first instead of simply report in my credit without giving me a chance of even check if is a legit debt. This is arbitrary and is hurting me and my business. 

I urge that such practice stop happening in the industry. 

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

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. ''
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent XXXX 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.
Product: Credit reporting or other personal consumer reports

Had our loan with Mr. Cooper for several years. Was notified of a data breach. Not given any other information from Mr. Cooper
Product: Credit reporting or other personal consumer reports

First of all I never consented to have my information obtained and/or shared with/by 3rd parties ; let alone reported to begin with. XXXX XXXX and XXXX XXXX are 3rd parties by which XXXX, Transunion, and/or XXXX obtained my personal details. I have since opted out of both XXXX XXXX and XXXX XXXX in pursuit of claims against them. Pure Accuracy 15 USC 1681, ( b ) written consent only and FCRA. 

XXXX confirmed via email that they don't report to any 3rd party companies which is where XXXX XXXX conspicuously obtained personal details. Per the Privacy Act of 1974 information must come directly from myself. Bankruptcy court does not submit information to 3rd parties and should be removed immediately ( 5U.S.Code552b ). I did not consent to this information being on my profile. Transunion has since deleted XXXX from my report which also needs to be deleted from XXXX and XXXX for consistency in reporting. 

Due to the aforementioned negative details on my XXXX, Transunion, and XXXX report need to be removed and accounts updated to paid as agreed. FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to XXXX to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), XXXX  is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, XXXX must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. 
As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that XXXX will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Mortgage

XXXX 2014 I refinanced my VA loan with a VA IRRRL with Pacific Union Financial - however instead of my interest rate going down it went up. The lender then discovered they could not insure the loan with VA, so the made me refinance, although they fired me XXXX 2014. They could not refinance me until XXXX, so they held the loan in their portfolio - and made us pay the higher interest for those 8 mos. In XXXX they paid my escrow from the old loan, collected escrow funds on the HUD and I 've been paying monthly escrow. My current escrow balance is over {$10000.00} ( my RE taxes are only {$6500.00} annually ). The escrow balance from the old loan was applied to new loan.. and I can not get Pacific Union to release the extra funds.
Product: Student loan

I have been on an income based payment program with Navient for the past few years which made my interest rate around 4 %. I was asked in XX/XX/XXXX to call to extend the program or my rate would increase to 9 %. When I called they said that my income was not high enough to qualify for the program and that my payment would increase from {$450.00} to {$760.00} per month. Needless to say i can not afford this amount, so I asked to speak to a manager who re-reviewed everything and told me that my income was too high. Ultimately I am trying to work with them on a payment program that i can afford, and that is reasonable but they are playing games. i am looking to refinance now, but am really hoping to get some advice and help on how to move forward.