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

Sent dispute to company and never received a response back. Letter was sent certified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a dispute here because I was unable to file a dispute online with Equifax and XXXX, and XXXX. 

Review the attached document for supporting documentation. 

You will find Gross Negligence in the reporting pattern of XXXX. There are several XXXX violations being reported to each credit bureau. All violations are labeled for review.
Product: Credit reporting or other personal consumer reports

These accounts were fraudulently opened using my personal information without my knowledge or authorization. As a consumer, I have the legal right to demand that these accounts be permanently removed from my credit file.

I DEMAND the following actions be taken immediately : DELETE these fraudulent accounts from my credit report.

BLOCK these accounts under FCRA 605B to ensure they do not reappear.

PROVIDE WRITTEN CONFIRMATION that these accounts have been removed.

SEND AN UPDATED COPY OF MY CREDIT REPORT reflecting these deletions. 

Enclosed, I have included the following supporting documentation : A copy of my identity theft report filed with law enforcement. 
A copy of my government-issued ID to verify my identity. 
A copy of my credit report with the fraudulent accounts highlighted.
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 am requesting the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were part of the data breach, and I believe that they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : 1. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} 2. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} 3. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$0.00} 4. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. DPEDXXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Transunion and to XXXX, XXXX XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.
Product: Credit card

someone applied for a stein mart credit card under my name the bank found out that it was not me and then when ever I tried applying for one I was declined because thatfraud application that was made.
Product: Money transfer, virtual currency, or money service

Complaint is against Zelle as they brokered the transaction for the sale of the item, the item was sold to XXXX XXXX ( not an employee of Zelle ), funds were sent by XXXX ( from XXXX XXXX XXXX XXXX checking account ending in XXXX ), were rejected by bank ( XXXX  account ending in XXXX ), and not returned to XXXX. 
XXXXSale of product through XXXX XXXX. XXXX XXXX ( XXXX XXXX used Zelle from her bank XXXX XXXX XXXX XXXX to transfer {$200.00} to my Zelle by my phone number ( XXXX ) XXXX, confirmation # XXXX XXXX Text confirmation from bank that XXXX XXXX sent {$200.00} to be deposited into XXXX XXXX  account ending XXXX XXXX in 1-3 business days. This account was closed on XX/XX/year> XXXX Called XXXX XXXX  to receive verbal confirmation that the {$200.00} from XXXX XXXX came in but was returned due to the account being closed XXXX XXXX confirmed funds were not returned to her bank XXXX XXXX confirmed funds were not returned to her bank XXXX Zelle customer service to be told they could not help, the transaction is between the banks XXXX XXXX confirmed funds were not returned to her bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is on my Equifax credit report that is not mine. The account is XXXX / XXXX XXXX account number XXXX. 

I was recently affected by the data breech at Equifax and there have been several inquiries made on my credit report as well as an account that is not mine. I have disputed the account and inquiries with Equifax yet they remain. 

They have been removed from XXXX XXXX as instructed. 

I have contacted XXXX and they confirmed the account should not be on my report and sent notification that they would be removing the information. 

I am attaching the correspondence from XXXX and the report from XXXX  showing the requested changes and actions taken.
Product: Debt collection

Monday XX/XX/XXXX I Talked to 3 people in this company who gave me little to 0 information and just asked for money. 

They said I had a balance of XXXX and would settle for less. 

Looked up company and it is a XXXX XXXX in XXXX Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF BILLING ERROR. NOTICE OF VIOLATION OF PRIVACY. NOTICE OF IDENTITY THEFT. NOTICE OF FRAUD. XXXX XXXX BANK sold consumers non public personal information to EQUIFAX. Pursuant to 15 usc 6802 obligations with respect to disclosures of personal information covers disclosures that needs to be disclosed conspicuously to inform consumer and not force undue influence by way of XXXX XXXX XXXX willful noncompliance to the laws and disregard of consumers privacy rights. unalienable god given rights that the consumer will not waiver. Consumer was never given the proper disclosures required to make the proper decisions based on family personal household needs. Equifax breached its obligations to report fair and accurately on the consumers behalf by not performing its grave responsibility and being willfully negligent in acquiring the proper disclosures necessary to furnish such information. No written consent was giving to XXXX XXXX XXXXXXXX  or EQUIFAX. These violations to the consumer has caused severe emotional and financial damages that has hindered my natural progression and caused a restraint in trade and commerce pursuant to 15 usc 1. Show proof and prove that you have consumers written consent to steal and damage consumers life and take away liberties granted from GOD
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. I understand that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I received a collection bill from Credence excellence beyond belief XX/XX/2015 on behalf of XXXX XXXX XXXX. I called Credence because I had never heard of either and wanted to know what this was about. Upon speaking to agent I was informed this was a medical debit for a XXXX XXXX visit for XXXX XXXX XXXX. I informed them I did n't know this person and he kept asking if he was my child. I told the person no and asked how they got my name and address and how could someone go to hospital and use name without I.D . He also informed me this bill was acquired at XXXX XXXX and they could not give me anymore information since I was not the person seen in hospital because of HIPA laws. I told him I had never received a bill from Research and found it laughable that they would quote HIPA and wanted me to pay a bill. After going round and round he finally apologized when I told him I would contact XXXX XXXX and said no further contact would be made. Well yesterday I get another bill for same thing but a yellow slip accompanied the bill stating they made a mistake with first settlement offer and this was a corrected XXXX and told me to disregard letter dated XXXX XXXX, 2015. These people are crooks and a joke. I contacted Research Medical the next day after I spoke with Credence and was told by a person in billing that they never heard of Credence nor XXXX and that they have a list of collection agencies they use, and that there is no debt I owe.
Product: Credit card or prepaid card

Paid an account IN FULL within grace period in the amount of {$1300.00}. On next statement, had an " interest charge '' of {$3.00}. Wrote a letter to the XXXX XXXX XXXX, Bank Of America ignored the letter and did not respond. Had to call in, resulting in extreme inconvenience, customer service representative was confused about the charge - checked with supervisor and declared that the charge would be removed. I asked if this was an error, the reply was " it looks that way ''. Bank appears to be disorganized, does not answer mail, there is NO option to contact bank electronically by e-mail or secure message, the ONLY option is the dreaded " call center '' during THEIR hours.
Product: Credit reporting or other personal consumer reports

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

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

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

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

3rd complaint being filed - actually reached out to the original credit and they have replied to me - collection agency states I spoke w/a XXXX XXXX that is false. I have never called this agency ever.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax and Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported :
Product: Debt collection

In XXXX I was contacted by Stellar Recovery Inc as they had bought a debt from XXXX XXXX The debt was for a DSL modem, which I had returned months before, to XXXX XXXX. I had contacted XXXX XXXX and told them that I had shipped the modem back to them, but because I did not have proof of this, they billed me for the modem. I explained to the Stellar Recovery Inc staff that the debt was invalid, and that I was fully contested the debt. I have heard nothing from Stellar Recovery Inc, neither telephone, nor written correspondence. On XXXX/XXXX/XXXX, I had an XXXX credit report done through my local credit union, and found that I had a notation on my credit report, with the debt showing as being generated in XXXX of XXXX XXXX absolutely false ) and that I was delinquent. This is damaging my credit, and I refuse to be bullied into paying a false debt.
Product: Credit reporting or other personal consumer reports

You are currently reporting that I have a balance on my XXXXXXXX XXXX XXXXXXXX ending XXXX. I dispute this incorrect information being reported. I do not have an balance owed, on this account. This account it is paid in full.
Product: Credit card or prepaid card

On XX/XX/2022 I discovered that my Direct Express Debit card was stolen. My XXXX XXXX XXXX were drained from this account fraudulently. I contacted Direct Express immediately and was given a claim number. I also contacted local authorities and filed a police report. 
Direct Express sent a new debit card but has not sent the dispute paperwork within the time frame promised. 
I have sent a letter, called multiple times and emailed Direct Express with all of the required information an

d Direct Express has yet to refund my money. Direct Express is in violation of regulation E 12 CFR part 1005 by fa
iling to refund the money stolen from my account despite following their Terms And Conditions for use of the access device issued to me by them. 
Direct Expresss customer service and fraud department has been impossible to reach leaving me at a loss not to mention destitute. 
As I stated in an sworn affidavit of facts to Direct Express, I, XXXX XXXX XXXX swear under penalty of perjury that the above statement is true and factual. 
I respectfully ask that the CFPB investigate this matter as well as why two other closed accounts that are associated with me still show up on the mobile app and on their website. There should only be one debit card open ending in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I paid the collection account from XXXX and XXXX in full for the amount of {$820.00}. I was told by XXXX XXXX that the account would be deleted after payment. Its now been a month and nothing has been updated. I called the company today on XX/XX/2022 and they advised me that they have sent the update to the credit bureaus. They have just failed to remove the account.
Product: Checking or savings account

My work establishment had a customer pay for bottle service and a private room at our work establishment, using XXXX as a form of payment. This customer signed a contract, fingerprinted the document, took a photo with it, and allowed us to scan his ID for proof of identity. This customer signed a contract stating he would not dispute the charge of {$1400.00}. This amount was sent to my bank account via XXXX, and I paid out my work establishment their portion of {$440.00}. Wells Fargo reversed the transaction of {$1400.00} back to the man who signed the documents ( he claimed it wasn't him ). This puts me out a total of $ XXXX have documentation to support the case. This is not a civil matter.
Product: Credit reporting or other personal consumer reports

Consumer : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX. 

This CFB Complant has been filed Pursuant 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX has been identified as a Person under this section as they are a cooperation. 

They have Violated Section ( 2 ) of this code as the consumer report does not include truncation or experiences between the consumer and person ( XXXX XXXX ) making the report by Reporting Late Pay Transactions in Violation of this Code : XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX XXXX Late Pay transactions reported XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED XXXX XXXX XXXX XXXX LATE PAY TRANSACTIONS REPORTED PURSUANT TO YOU ARE Liable to pay {$1000.00} to me per violation You have a total of 46 violation of {$46000.00} Remedy for violations I am demanding that you remove these illegal Late pay transactions off my credit immediately Please email me a XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used a service called XXXX through my banking institution Capital One. I sent money to my business partner who I know. The amount was {$2500.00}. The money was supposed to be delivered within 3-5 business days. As of today, XX/XX/XXXX, it has not been delivered. I filed a claim with Capital One but it was closed and denied 2 business days later. I called Capital One for more thorough investigation but they would not help. They sent me to XXXX. I contacted XXXX but they dont provide any support if I didnt use them directly. I used XXXX as a service with my bank. I have a confirmation code of sending the money which is XXXX. Ironically I sent the same money to the same person 6 days earlier and that was delivered. There is a known XXXX fraud when people send money to people they dont know. But I do know the person I sent the money to. The money is missing. {$2500.00} This is a new complaint as my previous one ( XXXX ) was closed. Capital One response said the money was deposited to the recipient 's checking account. It was not. This time I attach copies of statements for that period. There is a desposit of {$2500.00} but it was a different payment on a different date which went through no problem. As you can see, {$2500.00} for payment sent on XX/XX/XXXX was never received. 

I need a refund now. I am using this way of solving the issue for the last time and I will seek legal actions if no resolution is offered. This is unacceptable. Maybe XXXX lost the money but I used Capital One to send it and it was not delivered. Sort it out with XXXX bank. I am not a XXXX customer.
Product: Mortgage

Freedom Home mortgage acquired our loan from XXXX XXXX company beginning this month. My husband, XXXX XXXX, is listed on the mortgage with me. When I contacted the office as they state they are unable to locate my insurance information, I was advised they do not have me listed as a borrower and will not speak with me. Advised that I have the loan paperwork showing otherwise and they should produce the original documents which they were unable to do so. They now are not paying the loan insurance that is due to our insurance carrier from our escrow account. 
Now they are informing me that they are not listing me as a borrower on the account regardless. Please help!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX