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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Debt Buyer Collection Account with Unverified Information XXXX XXXX XXXX is a debt buyer, and no valid documentation has been provided proving their legal authority to collect this debt. Reporting an unverifiable debt violates 15 U.S.C. 1681s-2. 
Incorrect Opening Date and XXXX XXXX The account is listed as opened on " XX/XX/XXXX, '' which is a future date, making this information inherently inaccurate. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Potential Re-Aging of Debt The original creditor was " XXXX XXXX XXXX, '' and there is no documentation verifying the legitimacy of XXXX XXXX XXXX 's ability to report this debt. If this is a re-aged account, it violates FCRA rules on debt reporting limitations. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions.
Product: Credit card or prepaid card

Applied For Discover Credit Card To Consolidate All Credit Card Balances Because The Offer Applied - & - Approved For Was A XXXX ( 0 % ) APR Balance Transfer Interest Rate For XXXX ( XXXX ) Months Offer Including A XXXX XXXX ( {$20000.00} ) XXXX Credit Limit - & - Initiated The Balance Transfers Upon Receipt Of The New Credit Card, All Of Which Were Initiated - & - Rejected, Including A Payment From My Personal Checking Account To Satisfy The Very First Credit Card Statement Balance Received, Which Was Also Returned, Causing NSF Fees To Be Applied To The Checking Account Payment Was Submitted From, As Well As Returned Payments - & - Fees Incurred To The Credit Card Accounts The Balance Transfers Were Submitted On Behalf Of. Attempted To Contact Creditor, Whom Closed The Newly Issued Credit Card Account Involuntarily - & - Creditor Refused To Speak With Me Or Accept Any Information For Validation, Including Satisfaction Of The Credit Card Accounts Outstanding Balance. Received Correspondence From XXXX XXXX - & - XXXX, PC Today, XXXX rd 2021, Indicating That Discover Bank Has Assigned The Debt To Them - & - On XX/XX/2021, They Have Filed A Lawsuit Against Me In XXXX XXXX Supreme Court, Referencing Index No. : XXXX In The Amount Of XXXX XXXX XXXX XXXX XXXX ( {$6600.00} ) Dollars and XXXX/100 On Behalf Of Discover Bank.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report. This negligence has left inaccurate or unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to data furnishers, accepting unreliable responses, and failing to adequately inform consumers about the outcomes of their disputes. These systemic failures reflect my own experience, where Experian has refused to correct or remove disputed items despite the clear evidence I submitted. This inaction continues to harm my credit standing. I am demanding immediate corrective measures to address or remove the disputed accounts, as Experians failure to act violates federal law and infringes on my rights as a consumer.
Product: Mortgage

PHH has failed to correct the amount they are reporting as a balance for my loan via their website despite repeated and numerous contacts ( emails, phone calls, Notice of Error ). PHH has not corrected the error since I first notified them 109 days ago. This is an unacceptable, deplorable amount of time that, regretably, seems aligned with their general approach to providing customer service. 

PHH 's written response to the Notice of Error letter simply restates information I already know ( my loan servicing was transferred from the originating financial institution to a secondary institution ( and *not* PHH ) and requires me to take action that I have already taken twice ( and shared the results with PHH each time ). 

PHH is reporting an incorrect balance even though their own documentation correctly shows no balance as of the date of transfer and confirms they were never the servicer of this loan. 

Based on my experience, I recommend avoiding financial transations with PHH/XXXX  if you have a choice.
Product: Money transfer, virtual currency, or money service

I have tried twice to transfer money from my account at Bank of America to my account in XXXX. The transfer was first confirmed by BoA, then canceld. When I tried to figure out why, the BoA can't or won't tell. They say they have no information. However, I have no other oportunity to receive the money since I no longer live in the US and I need the have the money in XXXX. 

How can I get the BoA to transfer the money?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit, which has shed light on significant issues within the platform. Despite using Zelle frequently and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions was impractical. The CFPBs findings reveal that Zelle has failed to adequately protect its users, enabling repeat offenders to exploit the platform and leaving consumers vulnerable to scams. 

This lack of accountability and transparency is deeply troubling and raises serious questions about the safety of consumers who rely on Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. Transunion 's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted Transunion to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from Transunion my bankruptcy case number, also. I am very frustrated with Transunion, hiring incompetent representatives. XXXX took care of my request immediately. The companies still showing monies on my Transunion credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, Bank XXXX XXXX credit card for {$1200.00}, XXXX XXXX Bank credit card for {$430.00} and XXXX XXXX auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. CITICARDS CBNA XXXX
Product: Credit card

Hey there! So I had been sustaining a XXXX credit score my whole life ( like 17 years, since I was a young teenager ) until XXXX  hit AND I broke up with my amazing girlfriend in XXXX. So, it was really a bummer with everything going on ( crying on the floor in a foreign country ) that my credit score plummeted during those handful of months. For my whole life I was so good with autopay AND regularly paying even more than the minimums, and just staying on top of everything. I am really looking to bring it back up to XXXX asap by asking you very kindly to remove any and all of these negative credit report marks that popped up on my credit report during this extremely hard time for me. I will be much, much more careful with my cards now, making sure to pay via autopay and never letting the payments go behind. I genuinely hope you can help me out in this situation!
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX  Balance Owed : {$16000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property 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. This practice violates 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. XXXX ) against them for similar violations. I request that the 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. Account number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( Remove all late payments ) XXXX Account number : XXXX XXXX  XXXX account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX : XXXX All Hard Inquiries .
Product: Student loan

In XXXX, 2015, I called ACS, one of my private loan providers, ( note, this is not the original lender and it has been changed during the length of the loan a number of times without my consent ), to ask about options to help me while I am unemployed and without income. At this time, I received a letter which offered " the ML ( MGRS Plan ) where for 6 months your monthly payment on the private loans are reduced at XXXX % of level ( fixed ) installment followed by 6 months the monthly payment is at XXXX % of level installment followed by 12 months of interest only payments followed by level repayment for remaining term of the loans ( You must have at least 36 months of term remaining and a principal balance outstanding of {$10000.00} or more ). The request for this option is done verbally. " When I called to accept this offer on XXXX XXXX, 2015, I was told that this offer was not available to me because I had taken advantage of this in the past, time unknown, but that it was noted on my account and only available once during the loan term. Therefore, the offer was no longer valid. I asked about other options and was informed about forbearance, but this would require me to have a 1 % interest rate increase ( to an already variable interest rate ) for the 12 mos payments following the forbearance. Other than this, no options were available to help me. 
The man I spoke with was in XXXX and could not connect me to a supervisor, but he would have a supervisor call me within 48-72 hours, as is standard response time. 
I have XXXX accounts with ACS, have asked for a consolidation, and always have been denied the opportunity. I have asked for lower interest rates and have also been denied. The term of the loan is unclear and when I ask, am unable to get a clear answer. 
Between the XXXX accounts, the original loan amount was {$26000.00}. As of XXXX 2015, I have paid a total of {$11000.00} in interest and {$9300.00} in principal. I also have another private loan and government loan and in total pay $ XXXX/mo for student loans. I have never missed a payment. 
I am a XXXX, who has worked at XXXX until recently. I have tried to work with banks, Dept of Education, and other repayment companies to identify options, and feel no one is able to help me honestly understand the benefits and burdens of options nor the ramifications of decisions. I feel powerless despite my efforts, education, and patience. Is there anyone who can help? Thank you! I ca n't and wo n't pay these companies forever without some flexibility on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is a collection account from afni a debt collection company which I asked experian to ask the company for proof the account is mine, such as documents bearing my signature and verification that it is me as I had my purse stolen a few years ago and accounts had been open in my name. I am not familiar with afni as no documents have been submitted to me advised I need verifiable info from the original creditor which they failed to provide and just closed my dispute without confirming this info based on the word and not documentation from the debt collector which goes against the fcraa
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My account with CMG MORTGAGE was never late! I have had exceptional payment history witH CMG MORTGAGE and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

CMG MORTGAGE Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Portfolio Recovery is contacting me regarding a debt that was discharged in Bankruptcy in 2009. I have a new telephone # that I got XXXX years ago and they are calling me as if this is a current or even a valid debt. They are also mailing documents to my home. I have asked that all communication be discontinued but it has continued. I will be taking this call log and document to my attorneys office to see what legal actions can be taken.
Product: Debt collection

Received a call from XXXX saying they were XXXX XXXX XXXX they also left messages with my husband, mother in law and niece. 

They said that we have a {$1700.00} debt with BofA from 2011 and if we didnt pay immediately they would sue us for {$3700.00}. We dont have an account with BofA XXXX We didnt even lived in the US in 2011. They keep calling and all the people we know leaving messages. 

How can I get rid of them?
Product: Debt collection

Account XXXX {$960.00} XXXX XX/XX/2XXXX  Comenity Bank I called to verify this debt, I wasnt able to get any details from the collection agency. I called XXXX and learned the address and account number for this account & that is how I realized this was a fraudulent account opened in my name at an address I have never lived.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the acounts listed below be remove becuase According to 15 USC 1681 : I have the right to privacy and i did not givew Equifax written permission to furnish these accounts. 

Accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - {$230.00} )
Product: Consumer Loan

Summit Financial is reporting collection / chargeoff to the credit bureaus. I disputed this in the past and had it removed because they could not verify any information. It has started showing up on my XXXX and XXXX reports again with an incorrect Date of Last Payment of XXXX XXXX, XXXX. There has been no activity on this account since early XXXX which would put it at 7 years and should be removed from the credit report.