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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I submitted a dispute for the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I cant believe what Im seeing on my credit report this morningaccounts that arent accurate, and I have no clue how they got there. Ive been keeping a close watch on my credit report for a while, and now, out of nowhere, these errors have shown up. I even tried refreshing my browser, praying it was just a glitch, but the accounts didnt go away. Im desperate for the documents Ive provided to be reviewed thoroughly because I need this nightmare to end.
Product: Credit card

On XX/XX/ I got notified via email and XXXX XXXX that I just got approved for a credit card with Capital One for a limit of {$1000.00}. I dont have a credit card nor did I apply for one. A representative confirmed that my social, name, phone number and address matched what they had via the application however, the email did not match. I told them that it was not me and they said they had to investigate the situation. I also informed XXXX XXXX of the issue and filed a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has put negative feedback on our business credit report and violated numerous FDCPA laws. They are servicing their client XXXX XXXX without any proof or supporting documents. We are XXXX XXXX XXXX XXXX XXXX We have NEVER had a contract with XXXX XXXX. We used to manage XXXX XXXX XXXX XXXX and we were terminated on XX/XX/year>. XXXX XXXX XXXX XXXX and their new managing XXXX XXXX XXXX incurred debt of {$10000.00} and later paid it off in XX/XX/year>. We have proof from XXXX XXXX a branch manager from XXXX XXXX that the debt was paid off. In any regards, XXXX refuses to remove their negative feedback from our credit report. We were referred to your agency by the NYS attorney general 's office. XXXX attorney refuses to return our calls and emails. They claim they do not know how to remove negative feedback.
Product: Debt collection

The debit was through XXXX XXXXXXXX XXXX XXXX we had disputed that and it went off the credit report and now Vance and HuffmaXXXX took over the debit and put it back on my credit report after successfully removing it off the credit report before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Student loan

I was switched to MOHELA for student loans and they have been very challenging to work with. No customer service. I have tried calling them over 10 different times and been put on hold over 2 hours and no answer. They charged a late fee without giving me a deadline on my loans or explaining that I would have all different due dates which is very challenging. I also have sent complaint messages on the app and no response and they said 1-2 days it would take and I have done that twice in the past week. No one will call me to confirm amount I am going to pay and my auto debit. I continue to try and address them with them and no luck.
Product: Credit card or prepaid card

company charged me XXXX annual fee then said my card was fraudulent when I tried to change my address and said they had sent me letters and closed my account and said I would have to re apply and pay a new annual fee. I used the card for a short period of time paying off the balance every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened onXX/XX/2017 with a balance of {$11000.00} -This is not my account.
Product: Debt collection

Rausch Sturm calls my house daily and has for the past few months about a debt that I do not owe. I have called them back multiple times and they claim my home phone number is not listed so they can not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the XXXX app. I cant seem to link my account to my bank account. If we could fix this issue so I can get to my check faster please.
Product: Credit reporting or other personal consumer reports

Attn : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern, My name is XXXX XXXX. I am writing on my own behalf, to dispute several accounts that were fraudulently opened in my name and to request the removal of associated inquiries and collections from my credit report. I did not authorize these creditors to obtain my information, and upon contacting them, I was advised to request the credit bureaus to delete these entries. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} / {$350.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX  ( XXXX  ) - Account Number : XXXX - Amount : {$190.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1400.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Amount : {$11000.00} - Date Opened : XX/XX/XXXX XXXX. Capital One - Account Number : XXXX - Amount : {$630.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$3000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Amount : {$1700.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX - Amount : {$150.00} - Date Opened : XX/XX/XXXX Additionally, these creditors have inaccurate personal information on file. My correct information is as follows : Correct Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX Email : XXXX Number : ( XXXX ) XXXX Employer : XXXX XXXX XXXX - Owner Please correct the inaccuracies on my credit report. Thank you for your prompt attention to this urgent issue. 

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

I can't get an apartment about to be homeless because of negative information its defamation of my character. according to the 15USC and 1681
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I know my rights when it comes to inaccurate information on my credit reports. Transunion has added multiple inquires on my report in the past months that I did authorize. I have placed fraud alerts on my accounts and security freezes just to prevent this on going issue from happening again. I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX aswell as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

XXXX XXXX from XXXX XXXX, XXXX + Finance Nfcu/visa Inquiry from XXXX XXXX, XXXX + Finance Discover Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive Landmark Cu- Inquiry from XXXX XXXX, XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from Apr XXXX, XXXX + Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX  account numbers has volated my rights : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting

Contacted Trans Union on XX/XX/2017 in reference to a credit monitoring alert. Information from XXXX that was previous deleted by Trans Union has been reinserted with a different account number. I request a paper copy of my credit report for review.
Product: Mortgage

Bayview Loan Servicing is a disreputable, inept company that has no business holding a license to service mortgages. According to the CFPB, the COVID-19 CARES Act Relief Options prohibits loan servicers from loan foreclosure for federally backed mortgages for 60-days, and if one experiences financial hardship due to the coronavirus pandemic, we have the RIGHT to request a forbearance up to 180-days, which can be extended by another 180-days. 

Bayview Loan Servicing was contacted in wriitng at least twice weeks ago to begin forebearance effective in XX/XX/2020. NO ADDITIONAL DOCUMENTATION IS REQUIRED TO QUALIFY OTHER THAN A CLAIM TO HAVE PANDEMIC-RELATED FINANCIAL HARDSHIP. 

Bayview required two forms to request forbearance, one requiring the documentation the law does not require. Even with that, they failed to provide forbearance and withdrew funds from my account. This is fraud under the Electronic Funds Transfer Act. 

I have asked that my account information be deleted from this account as I was provided temporary help. I informed this inept company to delete my information though they did not. 

Look at Bay Loan Servicing reviews on the Better Business Bureau or any other reputable source. This disreputable tarnished company does not deserve to hold a license in the state of California or any other state.
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 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 funds was unfeasible. The CFPB 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 and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX this creditor, has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : I also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX TransUnion continues to furnish Incorrect & inaccurate information about me even after providing them with FTC Report Number : XXXX. I mailed them this on XX/XX/XXXX and and in response they sent me back two letters. 

Exhibit A The response to my previous CFPB ID # XXXX Stating they would not block the unauthorized transactions even though I attached my FTC REPORT XXXX Identification, Proof of Residence, and a utility bill from the last 30 days. Dated XX/XX/XXXX Exhibit B stating that they are unable to Locate Credit Report. Dated XX/XX/XXXX The accounts listed in the FTC Report do not relate to any transactions that I made or authorized. Please remove these accounts because they are inaccurate and unknown to me. 

As required by section 611 of the Fair Credit Reporting Act, 15 U.S. Code 1681i, I am requesting that the adverse information the accounts be removed to correct and update the information. Please REINVESTIGATE these matters and delete the disputed accounts as soon as possible : XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These were not authorized please remove them from my credit report! 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Which state that these accounts must be removed within 4 Business Days of receipt. Also, please send a copy of my updated credit report to the address above. 

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

On XX/XX/2024 I made an online request regarding a personal from XXXX XXXX for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my XXXX XXXX. See copy of email below. 

XXXX logo XX/XX/2024 Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. XXXX of these sites passed us your request from your search on XX/XX/2024. Important : Checking for loan offers did not affect your XXXX XXXX. 
We understand how important it XXXX be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( XXXX ) we are unable to provide you an offer : Insufficient recent bank/national revolving info. 
Number of revolving accounts XXXX on accounts
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department of EducationXXXX XXXX I believe that the Department of EducationXXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance.

The details of my complaint are as follows : 1. Creditor 's Name : Department of Education/XXXX 2. Account Number : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department of Education/XXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., Equifax, XXXX, XXXX ]. 

Furthermore, I have noticed that the Department of Education/XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge.

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department of Education/NXXXX multiple times to resolve these issues but have not received a satisfactory response or resolution.

I believe that the Department of EducationXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department of Education/XXXX adheres to its reporting obligations and corrects the interest charge.

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the Department of EducationXXXX , to support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history 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 my 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 to be updated. 


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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

I did not apply for a loan. I do not want a loan. I keep requesting this company stop the unsolicited contacts.