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

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling or 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 properly. They informed me that recovering lost funds was impossible and that tracking the transactions wasn't convenient. 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 susceptible to scams. The lack of accountability raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account for Santander is incorrect and does not belong on my credit report I have disputed this for years and it keeps appearing on my credit i do not have anything to do with this and for it to increase in the amount and to act as if its still open currently and report like that is fraud. This has ruined my life and how i take care of my children. It has made it nearly impossible to get a vehicle for me and my family and it a shame.
Product: Student loan

My son XXXX years ago was struggling to pay, he said he was on an income based repayment plan. All of a sudden he owes XXXX more per month, he can not pay this not sure how this could be possible, they mislead him
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX is trying to collect on an unknown debt in the amount of {$1000.00} dated XX/XX/2015. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.
Product: Student loan

During 2019, I was experiencing financial hardship and decided that consolidating my private and public loans into one big loan to get the interest rate down was the best option to help me get my loans paid off and on time. I decided to move forward with refinancing through XXXX. 

In the last quarter of 2019, I called Navient to let them know of the decision I had made and requested that the six loans I have with them ( totaling {$28000.00} ) be placed on deferment while I waited for XXXX to walk me through my options of consolidating all of my loans. 

The Navient customer service representative over the phone told me they would place the loan on deferment and I would not need to make a payment for 90 days. The customer service representative was inaccurate in the information they gave me as they FAILED to put the loans in deferral mode. 

Although I was clearly communicated to that there was no need to make a payment for the days outlined while I waited for consolidation to process, this misinformation caused there to become a failure to pay. With that being said, once I found out there was any sort of inquiry on this loan, I was forced to make an immediate payment but was still penalized for the inaccurate information the representative gave me. 

I am experiencing ample credit issues now due to the failed processing of my approved deferment and inaccurate information given to me by the Navient representative.
Product: Debt collection

As this is my last attempt to settle this dispute outside of civil court ; I will speak directly from the Truth In Lending Act. It is my hope that this can save all parties involved time and energy. As a consumer with full faith and credit in commerce I ask that the following is FACTS and TRUTH be recognized as it is stated in the Truth In Lending Act, which governs this company. 

1. 15 USC 1611- CRIMINAL LIABILITY for willful and knowing violation - ( 1 ) whoever willfully and knowingly gives false information or fails to provide information which he is required to disclose under the provisions of this title or ANY regulation issued thereunder.

- ( 3 ) otherwise fails to comply with any requirement imposed under this title shall be fined not more than XXXX or imprisoned not more than XXXX year, or both. 

2. 15 USC 1605- the amount of the FINANCE CHARGE in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. The finance charge DOES NOT include charges of a type payable in a comparable cash transaction. Charges imposed uniformly in cash and credit transactions are NOT finance charges.

3. The term " credit card '' mean ANY card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The term " accepted credit card '' mean ANY credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.

4. The term " unauthorized use '' as used in section 133, means use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives NO BENEFIT. 

5. Consumer Credit Transaction- the transaction in which the party to whom credit is offered or extended is a NATURAL PERSON, and the money, property, or services whcih are the subject of the transaction are primarily for personal, family, or household purposes.

CIG has knowingly and willfully violated this consumer since XX/XX/2020, and to present day, still reports harmful and unfair credit billing information to the Credit Reporting Agencies ; which is by definition ; UNAUTHORIZED USE of the consumers credit card. The forms used to initiate this CONSUMER CREDIT TRANSACTION were false and deceptive and the subsequent theft of consumers property has cause enormous distress and hardships ; mental, emotional, and financial.

Congress has entrusted companies such as CIG financial with the opportunity to enhance economic stabilization by the informed use of credit. How can any consumer ever be truly informed of how consumer credit transactions truly function when companies, like CIG are knowingly deceptive and abusive to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I reached out to Equifax to investigate the inaccuracies reporting on my consumer report. 
Equifax verified the account information although I have proof that they are wrongly reporting. 

I know you have many cases so they may have overlooked things but please remove XXXX XXXX # XXXX for the following inaccuracies Date of last activity Date reported Date opened and everything else highlighted in my attached picture
Product: Debt collection

Upon pulling my credit report I noticed that there is a new collection from Radius Global Solution in the amount of {$110.00} on behalf of XXXX XXXX XXXX. The only XXXX XXXX XXXX account that I have is my wireless service, and it is current and paid on time each month via autodraft. Upon noticing this debt on my credit report, I sent a certified letter to Radius Global asking for a debt validation letter as required under the Fair Credit Reporting Act. The letter was mailed on XX/XX/year> ; as of today I have not received a response. Per the FCRA, XXXX XXXX had 30 days to respond to my request for validation, or they must delete the account from my credit report. I pulled my credit report today and the account is still listed on my credit report.
Product: Credit reporting, credit repair services, 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 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 an account without my written instructions In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights by reporting a billing error XXXX XXXX XXXX 15 USC 1666 ( b ) ( 2 ) 15 USC 1605
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a credit card with Citi XXXX XXXX XXXX XXXX. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. 

According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following medical bills listed below numerous times. Reporting this violates my privacy, my security and violates HIPPA which is against the law.

ALLEGED MEDICAL DEBT 1. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report. 

2. violates my privacy my security and violates HIPPA which is against the law Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I was recently released from the XXXX XXXX XXXX after a XXXX XXXX XXXX XXXX, and there are things on my credit report that I am not responsible for for things and particular in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The main thing that is really affecting me is the {$7000.00} car loan for a XXXX XXXX. I was not around during these purchases I do not live in the same state these purchases were supposedly made in and the ID they said they use is my old expired Illinois one these purchases were made in California while I was in XXXX in Illinois. I was clearly the victim of identity theft, and these things are hindering my life even more, please get the credit bureaus to remove them. I have disputed some things that they have removed, but these are the lingering items that I dont understand why they just wont remove. As Ive been disputing them, there have been more hard inquiries piling up on my account, making my credit score worse I did not authorize the inquiry of my account or give permission to anyone before XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and discard these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am writing to formally dispute several accounts reported on my credit file. I have previously requested debt validation for these account from the following collection agencies, all of which have failed to provide sufficient verification. Under the Fair Credit Reporting Act ( FCRA ), unverified accounts
Product: Credit card or prepaid card

This credit account has had issues with the credit card company posting monthly payments to the wrong months. have filed other cfpb complaints about this account. On XXXX XXXX was paid monthly ss XXXX payment for XXXX on XX/XX/XXXX sent in monthly payment for this credit card as i normally do. On Sunday XX/XX/XXXX checked to see if payment was posted. Payment was posted but posted on XXXX billing cycle that was paid on XX/XX/XXXX. Called the credit card comp on Monday XXXX XXXX at XXXX XXXX. Revived the same stonewalling that the account closing date was XX/XX/XXXX and not the XXXX of the month again and that the payment could not be moved. Told rep on the phone that if you look at the account i have filed more then one complate about this and the account is flagged and in dispute because of wrong payments being posted.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My information was compromised in the XXXX  XXXX XXXX XXXX and sold to a third party which shows up on my credit report as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I upset with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call, and I instead had to discover it myself.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my Trust Wallet account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Trust Wallet did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Trust Wallets custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Trust Wallet promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Trust Wallet was in compliance with its own policies and procedures ; ( v ) whether Trust Wallet owed duties to myself, what the scope of those duties was, and whether Trust Wallet did not uphold those duties ; ( vi ) whether Trust Wallets conduct was unfair ; and ( vii ) whether Trust Wallet has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a XXXX eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Trust Wallet must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is really % 100 fraud illegal Credit Reporting agency who blocked my credit report without my permission and not letting creditors checked my credit report. I optout to receipt credit card offers by mail but this fraud Equifax credit bureau opt in me to not receive any credit card offers in mail and locked my credit report also. This week I requested my credit card company to increase my credit limit but they said that because Equifax locked my credit report so they was unable to check my credit report and unable to give decision to me that they can increase my card credit limit or not. 

XXXX  or XXXX  didn't locked my credit report but this fraud Equifax Bureau locked my credit report themselves. In XXXX of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 

After that also they did this again and without my permission, they locked my credit file and opt in. So I request CFPB to do something with Equifax so my credit report gon na be unlocked or I can receive credit offers by mail also. 

Thank You, XXXX XXXX
Product: Credit reporting

TRANSUNION : THIS DISPUTE DOES NOT GIVE YOU PERMISSION OR AUTHORIZATION TO PUT ANY KIND OF EXTENDED FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT. I AM ASKING FOR VERIFICATION OF XXXX LINE ITEMS ON MY CREDIT REPORT THAT I SEE FROM A NEW UPDATED REPORT THAT I RECEIVED TODAY FROM YOU. SECTION 609 OF THE FCRA ALLOWS ME TO ASK THAT YOU AS A CREDIT BUREAU SUPPLY ME WITH PHYSICAL PROOF OF WHAT YOU ARE REPORTING IS ACCURATE, COMPLETE AND VERIFIABLE. YOU HAVE BEEN UNABLE TO DO SO WITHIN A 30 DAY PERIOD SO NOW I MUST FILE THIS COMPLAINT. THE FOLLOWING ARE TO BE REMOVED IMMEDIATELY AS THEY DO NOT MEET FCRA GUIDELINES. 

1. XXXX. THIS AGENCY IS TELLING ME THAT THE RENTAL LEASE FOR XXXX XXXX IS UNDER XXXX XXXX NAME BUT YET YOU ARE REPORTING IT ON MY CREDIT REPORT. IF YOU HAD THE ORIGINAL CONTRACT AS YOU ARE SUPPOSED TO YOU WOULD SEE THIS. I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS YOU DO NOT HAVE SUFFICIENT PROOF THAT THIS IS A LEGIT ACCOUNT LINKED TO ME. 

2. XXXX. YOU ARE REPORTING THAT I WAS DELINQUENT ON THIS ACCOUNT XX/XX/2011. THIS INFORMATION IS INCORRECT. THIS PARTICULAR ACCOUNT HAS BEEN IN A FORBEARANCE STATUS FOR YEARS. YOU ARE TO SHOW SUFFICIENT PROOF THAT I WAS INDEED LATE. IF YOU ARE UNABLE TO SUPPLY ME WITH PHYSICAL PROOF I AM REQUESTING, NO DEMANDING THAT THIS ACCOUNT REFLECT AN OK STATUS FOR EACH AND EVERY MONTH THAT YOU HAVE LISTED. YOU ARE INCORRECT THAT I WAS EVER LATE ON THIS LOAN WITH THE FEDERAL GOVERNMENT. SIMPLY SAYING YOU HAVE VERIFIED BOTH OF THESE ACCOUNTS DOES NOT MEET FCRA GUIDELINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX, which Sterling Credit Corporation took over. I paid Sterling Credit Corporation XXXX by certified check on XXXX, which they stated in their payoff letter that I would no longer be held responsible for the remaining balance. This reports to all three credit agencies as a balance owed of XXXX.
Product: Checking or savings account

The problem started on XX/XX/2022. Someone took money for my business account 2 times with a first quantity of XXXX with a fake bank check and the second quantity was about XXXX, XXXX. It was a tranfer money. And in XXXX of my personal account they tranfers money to anocher bank that I never heard about that bank with the quantity of XXXX and in the other personal account they are doing XXXX with the amount of XXXX, XXXX, ect.. without my aouthorization. 
They also opened account under my name in XXXX  XXXX where I never have any account with that bank and making transfer money to one of my personal Chase Bank to a XXXX XXXX, and there are also several accounts under my name that I never make them such as XXXX XXXX. I report all that situation as a fraud with a Chase Bank, XXXX XXXX  and XXXX XXXX and they are under investigation. XXXX XXXX  is another bank that transkfer XXXX dollar form my Chase personal account to their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refinancing my house with XXXX XXXX  and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX  XXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. XXXX XXXX  record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I called Upgrade to discuss my account because Ive never been late. The representative even escalated the case and stated they dont know why it was reported due to the fact Ive never been late. They were supposed to correct it and all bureaus were supposed to remove it but its still there affecting my credit!