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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed 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 instead had to discover it via social media. I did n't even know that equifax had my information until I checked using their website.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. Especially when customers ca n't easily tell which credit monitoring companies have your information.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request in response to a letter I received from Credit Bureaus that they wont process my request to dispute inaccurate information in my credit file because they believe It didnt come directly from me or are claiming that XXXX working with a third party or credit clinic. Lets get the record straight!!! XXXX the XXXX whos disputing this information. The information XXXX disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that XXXX Credit Bureaus must investigate and delete these fraudulent items.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$18.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXXXXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

Hi my name is XXXX XXXX, I have never done business with Convergent outsourcing. Although I do have two amounts on my credit, one for XXXX ( XXXX ) and the other XXXX ( XXXX ). I do not have a signed contact with Convergent outsourcing. I have the right to demand to see the contract between Convergent outsourcing and myself.
Product: Checking or savings account

I am a XXXX XXXX who was in the United States for the summer season and created an account with Regions Bank in XXXX XXXX in XXXX. Which I always use without any problem. But days before leaving XXXX XXXX, the banker recommended that I update my personal information and add the social security number ( The account was opened without the SSN ). As I needed to leave everything without problems with my bank account to return to my country, I accessed and updated the information. 

A month later, my debit card stopped working and I found out that the bank had sent a request to corroborate more of my personal information but I was never notified and by not sending the information the bank unilaterally closed my account. Sending the funds that were in it in a check to a registered address in which I no longer resided, since I am in my XXXX XXXX XXXX. So I am without any of my money and the bank does not want to provide me with any type of solution, much less support considering the condition I am in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for at least a couple of years since the process is very slow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In The First Box I am XXXX XXXX submitting this complaint against Experian information solutions , inc and their is no third party involved I demandExperian information solutions, inc to delete and update these alleged late payments as I did not give permissible purpose to neither you nor XXXX to furnish anything on my consumer/credit report this is a complete violation of the FCRA & my right to privacy that your company has infringed on which you are not privy to do without my written consent pursuant to 15 usc 1681b ( a ). You, Experian information solutions , inc are not in compliance pursuant to 15 usc 1681e your duty is to assure maximum possible accuracy of the information concerning me, Consumer and your company is not complying with that duty and has been negligent. 

In conclusion you, Experian information solutions , inc clearly is unwilling or incapable of operating lawfully. 


Remove these late payments at once
Product: Debt collection

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Mortgage

I have been Negotiating the Short Sale with 1 point of contact for since XX/XX/2018 and on XX/XX/2018 I was asked to resubmit the Entire Short Sale packet which was confirmed received. I have been calling for the last 2-3 weeks and speaking with different individuals who never once mentioned that the Short Sale was closed out until today XX/XX/18. also, they have filed for a Foreclosure Sale date on XX/XX/2018. The reason SLS States that it was closed out was that they could not verify the Successor in Interest ( letter attached ) which makes absolutely no sense since they were provided with the Letters of Testate from the Probate Courts on the XX/XX/XXXX. What shocks me is that nothing was ever mentioned until today. I'm sure that if I re-submitted the paperwork they would tell me that it was too close to the sale date and nothing could be done. Also, the Probate Administrator ( Successor ) filed a complaint with the CFPB about the Valuation being Incorrect and requesting an appraisal as oppose to a Brokers Opinion of Value. ( see Complaint # XXXX ). Nothing was done other than waste time intentionally. I verified with the home owner and they stated that they spoke with CFBP and were told that the lender hadn't responded and they could not help her. This seems like a Huge Scam on the Part of XXXX. I requested a copy of the Denial Letter that was only mentioned to me today and as the point of contact I think a simple Email or Phone call regarding the denial would have been helpful back when it was submitted. The letter is Dated XX/XX/2018. I am going to have an attorney step in to put things in order with this Lender. SLS had recently changed over to a different system so they mention but that is no excuse to what seems to be Deliberately stringing this along in order to foreclose on the property. Be very wary with Specialized Loan Servicing as they are not conducting Business Fairly and all should be able to see this complaint and use it as a reference when dealing with SLS. I'm certain they will do the same and not respond to this complaint like they did with the other complaint attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've beed victim of Identity theft and fill that it's happen because of the incorrect information that has been allowed to remain on my credit ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward that you won't ignore my request to correct the following items in my file ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX student loans that were transferred to XXXX from the US Department of Education or XXXX, but when I look into my credit report there is a different name that I have never heard in my life ( American First Finance ). Model is no longer showing on my XXXX credit report. My student loans needed to get off my credit report and forgiven because I filed bankruptcy and it is still on the credit report.. I called the company for this information or to get this remove, I called XXXX and they would not help me about this issue. I requested these charges to be remove from my credit and I received an email stating I requested the dispute to be remove but when I called they tell me that this was not done and the investigation was completed within XXXX  days. They said the information is true and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXXXXXX XXXX BalancedOwed : {$0.00}
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's 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 transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

This complaint is in reference to CFPB case ID no. XXXX. For XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Lakeview Loan Servicing LLC, and the following individuals involved in this transaction : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

This complaint stipulates from case no. XXXX, located in XXXX SC, Common Court of Pleas. Once again, I present to the CFPB a copy of the Bankruptcy Discharge Order of Lakeview Loan Servicing LLC, filed XX/XX/XXXX by the Bankruptcy Court in the District of South Carolina, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, relieved from all financial obligations concerning Lakeview Loan Servicing LLC. I present to the CFPB a payoff quote issued XX/XX/XXXX, by Lakeview Loan Servicing LLC. The payoff was accepted and tendered by way of wire through XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX for XXXX XXXX XXXX XXXX, the Principal. Tender was not accepted by the company and warrants discharge pursuant to UCC 3-603. Furthermore, the transaction of the foreclosure proceedings draws suspicious activity by all individuals referenced above ( See form XXXX ). The security of my home is being brought and purchased by the above-named individuals who claim to have a debt without any proof of verification of it. Identity theft and securities fraud is being done. XXXX XXXX XXXX XXXX has no financial obligations to XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Lakeview Loan Servicing , LLC or their associates. I have presented to the CFPB a copy of 1098 F and 1099 MISC as proof of this transaction previously for the XXXX of XXXX ( to which XXXX XXXX did not show up ), and for future reference of XX/XX/XXXX. Be as it may that no claim has ever existed with these companies, security fraud has taken place and I demand immediate attention to investigating these matters from the CFPB as well as the FTC. This not only draws up concerns of identity theft, Bank fraud, and security fraud but also malfeasance, malicious prosecution, and deprivation of rights under color of law.
Product: Checking or savings account

On XX/XX/year>, I received a notice from BankUnited informing me that my business account would be closed effective XX/XX/year>. The letter stated that the bank had elected to terminate our banking relationship without providing any clear explanation for this decision. 

My business account, which has been processing approximately {$20000.00} per month, is essential to my operations. Concerned about the impact of this unexpected closure on our ability to handle regular transactionssuch as payroll, vendor payments, and operational expensesI visited a local BankUnited branch and contacted their customer service hotline ( XXXX ) for clarification. Despite my efforts, I did not receive any substantive information or documentation explaining the closure.

I suspect that the closure may be related to internal compliance issues ( possibly involving Bank Secrecy Act or Anti-Money Laundering concerns ), though I have not been officially informed if this is the case. I am also worried that the closure might be reported to consumer reporting agencies like XXXX or Early Warning Services, potentially affecting my future banking opportunities. 

I am filing this complaint to request that the CFPB review BankUniteds practices in this matter and help ensure that I receive a clear explanation for the account closure and any potential negative implications for my business.
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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Based on most recent response by the Comenity Capital Bank, they confirm that they opened/created a new account under my name without my consent : " On XX/XX/XXXX, we received a claim of fraud that you submitted through the credit reporting agencies. As a result, the account ending in XXXX was closed, and a new account ending in XXXX was created and the valid balance was transferred to the new account '' Yes, I did report this bank as fraudulent as that's what this bank is. So this bank now can simply open new accounts as much as they want with whatever balance they wish under my name?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that this account XXXX XXXX XXXX, is reporting as a collections account, but reporting as open with XXXX, and Experian, this is a violation of the FCRA. I have not received any notifications regarding this disputed account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I pulled my annual free credit report. to make sure all was in order. I noticed that Republic Finance had a Hard Inquiry on my report that I did not authorize. Right away, I called the number that was listed ( XXXX  ) XXXX and left a message. This was their corporate headquarters. I called again on XX/XX/XXXX because I had not gotten a call back. The person answering the phone said someone in compliance would have to call me back. I did get that call later that day. The Representative told me that they were allowed to pull my credit. I asked her where that was in writing because I never received anything with that language. I I asked her why was I not mailed anything as a result of them pulling my credit. She said she does not know why. She this had happened before with others and had been noted but I would need to dispute this at the Credit Bureau then they can investigate this process. She mentioned that their system does not distinguish between Hard and Soft inquiries. Someone from the local office called to see if I wanted more credit from them and said no and asked her why was their a hard inquiry on my credit. She said it was their policy. I asked her to send me a copy of that policy. I have not hear back from her. Spoke to XXXX  today and was told they can not dispute Hard Inquiries.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In XXXX, debt collector bought a debt from XXXX other companies, and now demanding that I pay. The problem? I dont owe this {$2000.00}, now {$2600.00}, debt that I have proven I DO NOT OWE!! Now they have caused a dramatic decrease in my credit score due to the fact of sending this erroneous account to the Credit Bureaus. I hope that you will restore my character and demand all this stuff to be removed.