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

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the FAIR Credit Reporting ACT ( FCRA ), 15 USC 1681i ( 7 ). 

Under section 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

Provide the description of the procedure of the investigation used to verify these accounts if you can't delete this account immediately. 

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

I was buying a XXXX supercharger from this guy on XXXX XXXX XXXX. I paid a total of XXXX  on zelle and XXXX on XXXX XXXX. I never received the supercharger and was blocked from contacting him. He never sent the item i purchased from him. A payment of XXXX on XXXX XXXX and XXXX on zelle was made to XXXX XXXX on XX/XX/XXXX. Then another payment of XXXX on XXXX XXXX was made to the same person as well as a payment of XXXX on zelle. I had no clue that zelle or XXXX XXXX doesnt have protection. And i can not get a hold of the seller because he has blocked me on everything. Please help me please
Product: Debt collection

XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also XXXX and XXXX are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.
Product: Mortgage

Attempting to sell and get a first time equity loan has been already been obtained by USDA subsidiary recipients fraudulently, tenants claiming state health insurance using my home address and registered businesses, forgery lender XXXX XXXX XXXX XXXX equity loans allowed by XXXX XXXX XXXX  without owner permission use of identity theft forgery impersonation tenants XXXX XXXX XXXX XXXXXXXX,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX XXXX last four Social Security number is XXXX, XXXX : XXXX Please delete the following accounts. XXXX XXXX Account XXXX XXXX
Product: Money transfer, virtual currency, or money service

Miss handling funds regarding Zelle and not getting the transactions back
Product: Credit reporting or other personal consumer reports

Due to credit agency misleading reports it is causing me financial hardship. As my understanding this reporting agency are in violation of 15 U.S. Code 1681a, 15 USC 1681 ( 2 ) ( A ) ( I ) : I recently checked my credit report and seen that this report is damaging my financial vision. I recently applied for a loan and was deniedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This company, XXXX XXXX is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit union while attempting to make a personal loan around XX/XX/2017 that Equifax was reporting that several accounts were under investigation when my credit report was pulled for the loan I was attempting to get. I called Equifax that same day and notified them that I had not requested these investigations. Equifax stated the items that was under investigation would be removed at the end of the 30 day period. On today my credit was pulled by a mortgage company, they told me I had a high number of items that were current under investigation and that I could not get a loan while the items were under investigation. It's been almost 5 months since I contacted Equifax about this problem and it has not been corrected yet. It is interfering with purchasing a home for my family and needs to corrected as soon as possible. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. The following fraudulent accounts and inquiries have appeared on my credit report without my authorization. I am requesting that they be immediately blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX and list of Inquiries. 

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: Mortgage

I have a interest-only loans. Year of XX/XX/2010, I have been asking Wells Fargo Mortgage who are my Investors, and they refused to tell me. Wells Fargo keep stating my loan are owned by private investors " Wells Fargo Back Security '' are multiple investors owned my loan. When I had reached out to CFPB, I finally received a letter from Wells Fargo couple of weeks ago stated XXXX are the Investors. Why did take Wells Fargo so long to tell me? I could have reached out to XXXX long time ago about modification loans. Wells Fargo lies to me for many years about who are my Investors. Now it is too late to reach out to XXXX XXXX. Now my house is on the market for short-sale. Wells Fargo played so many dirty games with the customers. I never was late on my mortgage payments in the year of XX/XX/2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Equifax for the last several weeks and was unable to reach anyone that can help me. Equifax has continued to restrict my ability to dispute inaccurate information online. When I call in I get transferred around and have gotten no service and only offered a call back which never happens. Then the agent says I can only speak to OCA in XXXX only which is never available and never returns calls. Im so fed up with Equifax 's discrimination of my credit file and how I'm continually being mishandled by Equifax and its employees. 

I was trying to reach out about a fraudulent account and inquiries listed on my credit file. The following account is a result of my Identity being stolen from and having my information included in data breaches : 1. XXXX  XXXX ( account ending in XXXX ) Fraudulent Inquiries : 1 XXXX XXXX XX/XX/2020 2XXXX / XXXX XXXX XX/XX/2020 3. XXXX XXXX XXXX XX/XX/2020
Product: Checking or savings account

On XX/XX/2023, I opened an Apple Savings account and deposited money from two external accounts. On XX/XX/2023, I requested a withdrawal from Apple Savings to one of the accounts I had deposited from. The Wallet app ( where customers can manage the account ) said the transaction would take 1-3 business days. After 5 business days, on XX/XX/2023, I contacted the Apple Savings support team via chat to inquire about the transaction. I was told I had to call in to solve such issues. When I called the number I was given over the chat ( XXXX XXXX XXXX XXXX ), the representative couldn't populate my account on the system. I tried this several times over 4-5 hours. The support could only access my account after I called the same phone number and requested to speak with Apple Card support, which transferred me to the specialty department and Apple Savings. At last, the attendant told me the transfer would be canceled and my money would be back in my account within 48 hours. On the next day, XX/XX/2023, I requested to verify a new external bank account I added, hoping I could use it for a more timely transfer. I face an issue with troubles verifying my account. I ultimately gave up, but one attendant guaranteed my money was on its way back to my Apple Savings account. On XX/XX/2023, the day my Apple Savings account should've been funded, I saw no balance on my account. After reaching out to chat support, I was told the transfer was never canceled and I should wait another 5 business days for the money to appear in my external bank account. At that point, I realized the company stole my money and was just creating excuses, hoping I'd wait until I forget about these transactions. Despite all these lies here mentioned, some attendants said my Apple Savings account was linked to my Apple Card, while Apple Card support said the opposite.
Product: Credit card

on XXXX XXXX  2024, i realize that some get a credit card using my name, i got in contact with the CITI BANK, i told them that a didnt ask for that card and that i never had that card in my hands. Someone use my information to get it. the CITI BANK people told me that the case was on investigation and today XX/XX/XXXX i call because i receive an alert from XXXX ( i submit to them since this situacion happen ) the alert says something about CITIBANK, so i called them and they said that my case was denied!!! how come, It cant be possible, i can not pay for something i that i didnt spend. 
i was ready to buy a house and now my credit score its tottaly a mess I really dont know what to do, please i need your help.
Product: Vehicle loan or lease

Navy Federal credit union recently raised my interest rates on my auto loan they claim that they did not receive the title from XXXX XXXX XXXX  when I purchased a vehicle. In fact this is incorrect. XXXX XXXX XXXX previously sent the title to them in XX/XX/XXXX and when Navy Federal credit union received the title they sent the title to an old adddess last used in XXXX and the title was lost in transit. When I found out about this NFCU apologized but I was frustrated and I asked the bank XXXX XXXX XXXX XXXX XXXX  to request a duplicate title. NFCU lates received the title in XXXX but on XX/XX/XXXX they sent it a second time to an old address last used in XXXX. I have been receiving mail from them regularly in my new adddess these past 9 years since I left that old adddess but yet decided to send my title to an address used in XXXX. I dont understand why they keep sending it to an old address. However they raised my rate still until they get the title for the third time. I think they are purposely losing my title to make me pay more on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX, XXXX LAW # XXXX, XXXX LAW # XXXX, XXXXXXXX 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
Product: Debt collection

Looking over my consumer report I notice Lewis McDonnell & Associ is reporting inaccurate information on my consumer report. I'm demanding that this debt collector disclose to me all of the documents and or information that is being reported on my report.
Product: Credit reporting or other personal consumer reports

I applied for an apartment lease on XX/XX/year> and was denied, when I received a copy of the rental report and the credit reports used in that denial, I saw many entries that were fraudulent and took the proper steps to have these entries blocked or removed. 

I received word back from Experian that they would block some entries, but not others without providing a reason for this. I sent the original police report, FTC Identity Theft report and other documents from the companies themselves to Experian that clearly identified these as fraudulent accounts and Experian decided that despite this, they would not block the items from my report without providing any reasoning for the decision. 

I did everything I was supposed to to have accounts opened in fraud removed and yet they remain, I believe these entries should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. XXXX is the only XXXX reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. XXXX has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. XXXX has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item XXXX times
Product: Credit reporting or other personal consumer reports

Inquiries i don't autorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Recently went to open an account from XXXX XXXXXXXX and they didn't open it because it's reporting an account on my credit report that isn't for me. Please remove XXXX XXXX account # XXXX, has a balance of {$640.00} from credit report. Remove this asap, never was I associated with this account.
Product: Credit reporting or other personal consumer reports

My information was used for an unauthorized inquiry performed by Westlake Service Inc on XX/XX/year>. Westlake Service fraudulently opened an account on XX/XX/year> in the amount of {$15000.00}. A vehicle was purchased at XXXX XXXX XXXX in XXXX, NC. I have never been to XXXX, NC. I found out that my information was part of the XXXX data breach. I contacted XXXX XXXX XXXX and they have not provided evidence of how they verified identity. They are unwilling to provide any information. I have contacted Westlake Service regarding this account, and they could not provide evidence on their process to verify identity. I have submitted several disputes with all credit bureaus. Westlake Service needs to take responsibility for their fraud, and remove the inquiry and the account from my credit report as I am a victim of fraud. I have filed and Identity Theft Report with the with FTC and my local sheriffs office.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB responded to me that XXXX XXXX account ( Deleted ) that still listed on my credit report with inaccurate reporting My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - Open account inaccurate data - XXXX XXXX  # XXXX Show account balance on a closed write off account inaccurate
Product: Credit card

My US BANK PLATINUM VISA CARD FALSELY REPORTED TO ALL CREDIT AGENCIES that I made a late payment when in fact I had paid off the credit card for years! 
It is totally astonishing that US BANK PLATINUM VISA CARD company made such a huge error that has such a negative effect on my life. After years of building a perfect credit history, and paying off all my credit cards, I applied for a home loan only to find that I have a " LATE PAYMENT '' reported by your company ( Sometime around XX/XX/2016 ). I found that very alarming because I had just paid off my US BANK PLATINUM VISA CARD and my balance was at {$0.00}. After I paid off the US BANK 'VISA I was shockingly charged a {$2.00} 'interest charge fee ' ( on a balance of {$0.00} ) then a 'LATE PAYMENT FEE ' for {$54.00}?! Worst yet, I did n't find out until MONTHS later, after the company submitted a damaging report to credit agencies FALSLY reporting that I had missed a payment! These charges were quickly reversed. However, my credit score is STILL DAMAGED : I was refused a home loan because of US BANK PLATINUM VISA CARD 's FALSE CLAIM! 
How can such a massive heartless blunder still occur? What measures has VISA company taken to prevent this from happening to another innocent person in the future?! 
My request : send a letter of correction to retract your previous false report to all credit agencies with the same expediency and vigor which they erroneously charged my inactive account interest fees, then late payment fees and then falsely reported against my credit ... They did nothing.