23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I didnt pay a loan back to XXXX that was entered into on XX/XX/XXXX in the amount of {$19000.00}. On my credit report it showed XXXX balance, closed, written off. 
In XX/XX/XXXX, a resident from my previous address ( I had moved and filed a change of address on XX/XX/XXXX ) notified me a note had been left on their door. It said they were trying to serve a notice to XXXX XXXX and provided a phone number. I immediately contacted the agent seeking to find out what it was about. I gave her my current address, and was served the notice that I was being sued by Velocity Investments , LLC on XXXX XXXX, XXXX. It was filed on XXXX XXXX. The amount claimed is {$19000.00}. I had no idea who they were or why they were suing me. They did not notify me they bought the debt and I owed them. I had informed delivery thru XXXX and have checked records of mail received at my old address between XX/XX/XXXX and XX/XX/XXXX. There was no written communication from them. I requested the court dismiss the case but the judge denied the request. I am representing myself because I cant afford an attorney. 
On XXXX emailed a settlement offer of {$6000.00} to their attorneys. They did not respond to my email. They called me. I called them back and was told if I paid 85 % of the loan within XXXX mos that would be the least they would do. Any other payment plan would be for the full amount.She also told me it would be a judgement regardless of how I paid it. On XX/XX/XXXX I requested via email written instructions on how to repay the debt. They have not responded. I have been unable to work or function as I did prior to this surprise lawsuit. If they had communicated with me I would have taken care of my responsibility without a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau stated XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, and XXXX XXXX  Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
Product: Checking or savings account

Currently, Im banking with Truist bank. The account was opened in XXXXXXXX XXXX. I had a deposit of XXXX which was a check. The check can be verified to allow me to withdraw some of the funds, but then placed the rest on hold and said it was due to fraudulent transactions. I am the only person that has been making any transaction on the account. I verified that all transactions were legit. My account went into a further hold and its starting to damage my business. I cant make any type of payroll or payments to my employees
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. & & 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed multiple errors regarding late payments that don't align with my usual payment behavior. Please rectify these discrepancies and update my records. Thank you.
Product: Credit card

In an effort to establish an individual line of credit for my wife, we decided to obtain a credit card in her name. After exploring the many options available, and based on our needs, we elected the Barclay 's XXXX XXXX Dividend Master Card at an annual fee of {$89.00}. Specifically, we are retired and we travel often to visit our children in other states. This card offered a {$99.00} companion ticket each year and a one day pass to the XXXX XXXX club. This would greatly assist us in our expenses during retirement and was the right choice for us. Application was made and she was approved on XX/XX/XXXX. At no time, in the literature or in any correspondence were we informed that this card was going to be replaced by Barclays Bank of Delaware with XXXX Master Card with less benefits. Shortly after we had paid our fees and made our first charges on the card we were notified that the card was going to be converted. After reviewing the literature and benefits available on the new card, we found that we would no longer receive the {$99.00} companion ticket or the one day pass to the XXXX XXXX XXXX as well as other benefits offered with the XXXX XXXX card. It appears to me that this was a " bait and switch '' offer and one that needs to be addressed by Barclays Bank of Delaware, XXXX XXXX, and XXXX XXXX. When I contacted the company, I was informed that I would receive one companion ticket that would have to be used by XX/XX/XXXX and one club pass that would have to be used by my anniversary date, XX/XX/XXXX. After that everything was no longer available. We would cancel this card, but to take out a credit card and then cancel it in a short period of time affects one 's credit. Since one of the reasons my wife selected this card was to establish her own credit, this is not a viable option.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX XXXX XXXX, AMOUNT {$210.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$600.00}, ACCT # XXXX ACCOUNT : XXXX  XXXX, AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$2700.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$840.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$3600.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$1200.00}, ACCT # XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX  XXXX XXXX, IL. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL. XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit card or prepaid card

I received a letter, dated XXXX/XXXX/2021, from US Bank, XXXX, ND XXXX, which stated they had received an application for a credit card with my name and personal information. The application was received on XX/XX//2021. The address on the application was XXXX XXXX XXXX, XXXX, VA XXXX, which is not my address. 

I called US Bank today, XX/XX/2021, and informed them I did not apply for the credit card. They are going to report the application as fraud.
Product: Debt collection

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit card

On Monday, XX/XX/2015, I went into my local Bank of America branch office to obtain a direct deposit form for my employer. I was directed to the desk of XXXX, Relationship Banker with Bank of America. She asked me if I was interested in applying for a Bank of America credit card and I told her I was not interested at this time and wanted to discuss it with my parents. She asked me some other questions which I was made to believe were necessary in order to obtain the direct deposit form. On Saturday, XX/XX/2015, I received XXXX documents in the mail from Bank of America. XXXX document indicated that they had received my recent application for the BankAmericard Cash Rewards Platinum Plus Visa and that it was a duplicate request so it would not be processed. The other document I received congratulated me on my request for credit from Bank of America and that it was approved and that a credit check was done in my name with credit score information included.  I had no knowledge of this application ever being submitted on my behalf and I have been informed that according to the law no one can obtain credit for me without my authorization. Also, because I am under the age XXXXXXXX proof of my income is necessary to apply for a credit card which was never obtained, and was fabricated on the application that was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at the attached documents, the personal information you are reporting are not mine.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During the beginning of the year in XXXX, my previous employer underwent some financial hardship which directly affected our household income. We tried to manage for sometime before we got into a place where we could no longer manage. Our bills were starting to back up and we did not want our mortgage to default. They reassured us that it would not but it was their policy is that we had to default on our mortgage in order to be eligible for any assistance. 

So in XXXX of XXXX we reached out to Rocket Mortgage to see what our options were such as a loan modification. They said the could help us by putting us on a forbearance for 3 months to reduce our mortgage payment while we try to get ahead and look for another job. During our call they said we would have to default on our mortgage in order to be eligible for any assistance. This was a little scary because we did not want to foreclose on our property. They just didn't know what that looked like but when we defaulted and applied for the application for success they would have a better idea what we would be eligible for. So we did default on our mortgage from the direction of Rocket Mortgage. Then on XX/XX/XXXX we were approved for the application for success to be put on a forbearance for 3 months at a monthly payment of {$1000.00}. Our regular mortgage is {$2000.00}. We completed the 3 month trial period as per the direction of Rocket Mortgage. Our 3 months were up and we still needed some more time to get in a better place. So they approved us for another 3 month forbearance at {$820.00}. We completed the XXXXXXXX XXXX month forbearance trial as per Rocket Mortgage guidelines. They stated that as long as we complete the trial within their guidelines, we would be eligible for a loan modification to bring the mortgage current. So both trials were completed successfully. Once the XXXX trial was completed, Rocket Mortgage stated we were approved for a loan modification to bring our mortgage current. There was no payment reductions but they were able to bring the forbearance difference and put it on the back end of the mortgage by simply doing a loan modification. On XX/XX/XXXX the loan modification was approved. 

Rocket Mortgage stated when the mortgage becomes current from the loan modification, our credit report would not show late in any way. It would roll off like nothing every happened just as long as we stick to the guidelines of the forbearance and loan modification. As of today XX/XX/XXXX it still shows on our credit report preventing us from being approved for any loans and student aid for our children. 

I contacted Rocket Mortgage again on XX/XX/XXXX and they said there was nothing they could do for us.
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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX, 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 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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.
Product: Payday loan, title loan, or personal loan

In  XXXX , Beneficial added more debt- They just added {$360.00} to my balance, it said lender advanced??   and they added {$34.00} for home insurance ( for no-home ) and {$49.00} for taxes- ( that I pay every year? ) and upped my payment {$130.00} a month.   They wont let me pay it down, every month it goes up.   I paid it down to {$9000.00}, but this month it is {$10000.00}, these guys are crooks.   They continually up my payment and add more debt. EVERY month!   THERE IS NO HOME TO INSURE ON THIS PROPERTY!   Since I made a complaint to CFPB they are getting worse punishing me for complaining.
Product: Credit card or prepaid card

I was XXXX  from XX/XX/XXXX until XX/XX/XXXX since XX/XX/XXXX ive been in the XXXXXXXX XXXX XXXX. 

Sometime during my XXXX  my credit card information was stolen. However both XXXX bank and weitman Weinberg reis and co refuse to acknowledge this and they're trying to force me to make payment on charges that I didn't do. Any charges that happened between XX/XX/XXXX to XX/XX/XXXX I didn't do nor did I give anyone consent. 

Weinberg has told me on the phone that I said in a conversation that I stated that someone could use my card and they would make payment. That's absolutely false. I asked to hear this recording but they've refused to let me hear it. 

I pretty much think they're bullying me and being prejudicial toward me because I told them I had been XXXX  I've enclosed the documents to show my proof of XXXX. The balance in question is {$9100.00}
Product: Credit reporting or other personal consumer reports

I'm writing to formally contest any errors that may have appeared on my credit report. After carefully going over the information, I've found several serious mistakes in the account details. These errors are worrying because they could have a negative effect on my opportunities and financial situation. 

For my credit profile to remain accurate and legitimate, these inconsistencies must be quickly fixed. In compliance with the Fair Credit Reporting Act ( FCRA ), I demand a full inquiry into the contested items and their prompt rectification. 

For your perusal and consideration, I have included supporting material that highlights the differences. I sincerely appreciate your prompt attention to this problem, since it is critical to preserving my financial security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a signed letter to Experian, verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Experian and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Experian an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 
I am submitting a formal complaint to this website to get the assistance I need in this request.
Product: Credit reporting or other personal consumer reports

Despite many attempts to resolve these matters directly with the bureaus for more than a year now, the errors persist on my credit reports, causing harm to my credit. Accounts disputed previously and has been reported as " accurate '' and " verified '' yet the accounts report varying information between the reporting agencies. This is a violation of Fair Credit Reporting Act. Any information found to be inaccurate or incomplete or can not be verified the agency shall promptly delete that item of information from the file of the consumer. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. I request the immediate removal of these accounts. Ensure these files are TRUE, ACCURATE reflection of account. All furnished information must be a complete and accurate without error and complaint with guidelines. Accounts showing inaccuracy must be removed. 
XXXX XXXX XXXX XXXX XXXX also reported as XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX also reported as XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX also reported as XXXX, XXXXXXXX XXXX XXXX XXXX XXXX also reported as XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found a lot of incorrect information on my consumer credit report with Experian. They had 24 incorrect addresses and 5 incorrect names. They also only had a year for my birthdate.

I asked them to please remove the incorrect information and they refused stating that is was their policy to keep outdated information on their report. I told the the consumer laws state that they have to remove any incorrect information and they refused. Please help me in getting them to remove the incorrect information. Please see the attached document.