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

After looking my EXPERIAN report on XX/XX/24 I noticed investigation didn't correct personal information errors. 
Agency is reporting incorrect name variation such as but not limited to ; XXXX XXXX ALSO KNOWN AS XXXX XXXX GENERATIONAL IDENTIFIER I have not gone by any name variation other than XXXX XXXX My middle initial is : XXXX  This is my government name.I have never been married. The hyphenated name stems from mother and fathers last names combinedThis is my follow up to my unresolved investigation. Experian has been reporting inaccurate information and violated my rights according to ; 15US code and 1681S2 Responsibilities of furniture of information to consumer reporting agencies ( A ) Duties of furniture of information to provide accurate information ( XXXX ) Reporting Information with actual Knowledge of errors this away not to have to pay off Any information relating to a customer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is accurate In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Personal information 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


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

On XXXX/XXXX/2015 they called and I spoke to a representative whom refused to provide further information as to the proof of the debt without a payment arrangement and payment account information from me. That call was at XXXX then I received an automated call at XXXX the same day. Just today I received XXXX automated calls within XXXX minutes of each other.
Product: Debt collection

I would like to know, where and who do I need to get in contact with to try and settle a charge off on my account. The Credit card company is telling me its the collection agency and the collection agency is telling me the credit card company that can update and remove the negative report when it 's paid.. 
Please help me with who and where I need to go.
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, Account name # XXXX XXXXXXXX, Account name # XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXXXXXX XXXX, Account name # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXX XXXX XXXX Account name # XXXX XXXX XXXX XXXX, Account name # XXXX XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXXXXXX, Account name # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit card

I put a downpayment on a XXXX XXXX in 2021, which was advertised as being fully refundable. It looks like the company is now going out of business and they refuse to respond to requests for a refund. AmEx says they are unable to track down record of this transaction so I have found it myself.
Product: Vehicle loan or lease

I went into the dealership to try to get a car and after they did my Loan application it was denied
Product: Money transfer, virtual currency, or money service

I was contacted on XXXX about a pair of shoes I was selling. I began a text conversation with the person - XXXX XXXX XXXX XXXX - and we agreed that they would send me a check and I would send them the shoes. She said she was buying the shoes for her daughter in college. She said that the bank issued her the check for my money plus her daughter 's monthly allowance. The check had a routing number of XXXX and an account number of XXXX. It was from XXXX XXXX XXXX and was issued on XX/XX/2020. She asked if I would mind sending the rest of the money along via Zelle after the check cleared. I sent 2 Zelle payments to someone named XXXX XXXX at the email XXXX. One was sent on Monday with a XXXX/Zelle transaction number of XXXX with a value of {$700.00}. The next was sent on Tuesday with a XXXX/Zelle transaction number of XXXX with a value of {$400.00}. They then claimed the daughter could not get the shoes and I could keep the extra {$100.00} for my trouble and repost the shoes on XXXX. Two days later on Thursday the check was refunded by the issuing bank as being fraudulent and {$1200.00} was cleared out of my checking account. Clearing out my account. Please help me get this money back. 

I contacted XXXX on Thursday XXXX and they told me there is nothing they can do since the money was sent bank to bank from a third party vendor ( Zelle ). Zelle has no contact number or support for Fraud so they say.
Product: Mortgage

Mortgage was current as of XX/XX/2022. 
On or about XX/XX/XXXX I received a notice of foreclosure. 
I immediately called and made a payment of XXXX which they negligently or willfully never posted after giving me the payment confirmation number. In addition I was charged a XXXX fee which violates the terms of the original mortgage agreement. I no way did I ever agree to this late fee. 
The agent at Shellpoint told me that I was 3 payments behind and that was the reason for the foreclosure Shellpoint knew or should have known that I was not behind on my mortgage payments. 
In doing so Shellpoint violated both Massachusetts and FCPRA. by posting the defaults on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 or other personal consumer reports

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I have filed a dispute with XXXX XXXX and the creditor has not provided any information to me to verify this account. I have reached out to them and gave them my name and social and they said I dont have a account with them.
Product: Money transfer, virtual currency, or money service

I sent XXXX for services that I never received and the person blocked my cashapp after they defrauded me
Product: Checking or savings account

I deposited {$7000.00} in cash to an ATM at Bank of America in XXXX, NY on Friday XX/XX/XXXX. The machine timed out during the transaction and my cash deposit was never credited to my account. That is all the cash I had access to and this has caused a devastating hardship. I have called multiple times and all they tell me is that it could take 45 days to figure this out. NOT ACCEPTABLE. They have my money and there is no reason this can not be resolved quickly. Been a customer for 25 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently disputed a charge with PayPal and encountered a few issues with their process. The primary issue is they denied the claim and I take it just simply to appease the merchant since merchant business is most likely more important to them than individual accounts! The other issue ( 2 ) is they provided no explanation and I could not see the sellers response ... Third, ( 3 ), the process started a bit deceiving, I had already tried to work the issue out with the seller but they stopped responding ... I filed the claim with PayPal not expecting them to simply open that dialog back up, it was a waste of time as their position was very clear. 

Now the situation was that had printing done, a tri-fold brochure printed and nothing more fundamental to such a thing than that the folds are correct, which they were not and not even close. I provided first the seller a picture and then PayPal and most anyone should be able to see the folds were not correct. The bottom line is a brochure is a representation of a business and you can't have something so obviously wrong with something that is representative of your business. The worst part is that it could have been easily identified if the seller was at least a little concerned with quality ... I offered that they could have the items returned to them which they refused ... It was just shoddy workmanship and consumers use services like PayPal to protect themselves against this precise situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I resubmitted another dispute XX/XX/2021 and received a response from the credit bureau that they would not reinvestigate the account because there was already an active dispute which there was not an active dispute because my original dispute was on XX/XX/2021 for the account listed below. 

XXXX CARD Account Number : XXXX SHOULD BE REPORTING AS Current Principal Balance {$280000.00} instead of {$330000.00} XXXX XXXX XXXX  Account Number : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are all reporting delinquencies with my 19 XXXX loans. I entered into the Fresh start program in XX/XX/XXXX, which is why all my XXXX loans have reported as paid since XX/XX/XXXX. However, the credit bureaus have refused to remove the prior defaults or delinquencies reporting from XXXX through XXXX. 

As a result I have been turned down for credit from every creditor who has pulled my report from XXXX, TransUnion and XXXX more than a dozen times over the past 2 years. Each denial claimed I had too many delinquencies. What is more interesting is that TransUnion and XXXX have provided me copies of my credit reports which do NOT show any delinquencies. However when I contacted the Creditors they informed my I had numerous delinquencies all from my XXXX loans. I have attached a recent letter from the Department of Education which states the following : Anyone who has entered or does enter the Fresh Start program by XX/XX/XXXX will have the following : * " We will report your loans back in good standing '' * " We will REMOVE the record of default from your credit report '' etc... 
I am requesting XXXX, XXXX and Transition to remove all the delinquencies with each XXXX loan and send me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

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 XXXX. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 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 it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

I sent Global Lending Service a letter to explain a repossession account they have placed on my credit file. 

In their response, they sent me a contract with the name " XXXX ''. That is not my name with an address that I have never lived at in XXXX. My name is XXXX and I live in XXXX. 

This also shows that it's a repossession, however there is no other documents in this response showing a transaction/payment history, a repossession notice etc. 

Ive included the contract with the information that is not mine
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries on My Credit Report I am writing to formally dispute unauthorized inquiry appearing on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize and for which no permissible purpose was provided : The inquiry ( ies ) I am disputing are as follows : Company Name : [ XXXX XXXX XXXX ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ XXXX XXXX XXXX XXXX  ] Date of Inquiry : [ XX/XX/year> ] Company Name : [ BANK OF AMERICA ] Date of Inquiry : [ XX/XX/year> ] * Company name : [ XXXX XXXX XXXX XXXX  ] Date of Inquiry : [ XXXX/XXXXXXXX ] Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, entities may only access a consumers credit report with the consumer 's explicit consent or for a permissible purpose as defined by law. I have not initiated any transactions or provided authorization for these inquiries. Furthermore, if these inquiries were conducted without my consent, they constitute a violation of the FCRA.

Additionally, under the FCRA 15 U.S.C. 1681c-2, consumers have the right to place a security freeze on their credit reports to prevent unauthorized access. Any failure to comply with these federal protections may result in penalties as outlined in 15 U.S.C. 1681n and 1681o, which provide for civil liability in cases of willful or negligent noncompliance.

I request that you : 1. Investigate these inquiries to determine the party that accessed my credit report.

2. Provide me with documentation showing that I authorized each inquiry listed above or evidence of a permissible purpose.

3. Immediately remove any unauthorized inquiries from my credit report.

Please consider this letter a formal request under the FCRA. I expect a response within 30 days as required by federal law. If these inquiries can not be verified, they must be deleted promptly.

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my credit report : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX-XXXX Please call as you will find I never applied for credit at this company nor did they request a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is dated from XX/XX/2016 and XX/XX/2016 I had two 30 day late payments, taken out from a account that was under a debit card breach, and I informed them of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was reviewing my Equifax consumer report information and I went through the reinvestigation results the results came back updated. Equifax stated If an item states l " Updated '', we have updated one or more fields on the item based on information received from the reporting company. Nothing on my Equifax report was changed nor was it updated. Pursuant to 15usc 1681a ( e ) the investigation must have the 3rd party to provide me neighbor, friend or associate of the consumer who knows information on this account. In order for an account to be verified a living person must be interviewed about the account. Specific factual information may not be included on my consumer credit record from the creditor which means the 3rd party creditor can not provide me their method of verification because they do not have one. Since they do not have one then I demand Equifax to remove US DEPT. OF EDUCATION/XXXX  from my consumer report for they are destroying my livelihood.
Product: Checking or savings account

My chime account says I have XXXX dollars and XXXX cents. Customer service at chime says I have XXXX dollars. How could that Be? They said it would take to XXXX XXXX XXXX  to look into it which is a totally unacceptable period of time. Money disappearing and I get direct deposit whats going to happen now. Tomorrow I get paid and can't access my account because they Chime froze it after I complained. 
Sincerely, XXXX XXXX XXXX XXXX XXXX cell XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX2 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is nearly impossible to deal with. Their staff are incompetent, I'd be better off asking the wall for help. For the past 5 months I have been dealing with an issue with Equifax. All I want to do is remove an inquiry that does not belong to me ( XXXX XXXX XXXX XXXX , XXXX ). I can't do this because there's a magnitude of things that happen when I try. The Equifax dispute page doesn't work. Whenever I file a dispute or go to view the status of a dispute, I get an error saying " Sorry for the inconvenience, currently service is unavailable. Please try again later. '' When that error doesn't occur, I get listed with questions that are completely irrelevant to me which causes Equifax to completely ban me from submitting/viewing disputes. These things only happen when the actual dispute page loads ( which is rare, multiple computers and connections ). And even when I did successfully dispute the fake inquiry, for 30 days Equifax spammed my email multiple times a day saying they were processing my request. The email listed a long number that has absolutely no use. Thanks for that, Equifax.
Product: Mortgage

I refinanced a loan with Wells Fargo and paid it off but last payment amount never sent to me, then they put a foreclosure on my home because the last payment was not sent. I rectified the problem with the company after getting the foreclosure. I called them and just gave them my last payment, but was angry and confused why the company would treat me like that. PS, I have a XXXX credit score...
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails, permissible purpose letters I am not getting any response because of the automated system you have in place which is in fact a violation as well.I am demanding these accounts to be removed immediately off my credit report as it is violation to the following federal constitutional laws. 

15 USC 1681 ( A ) ( E ) 15 USC 1691 15 USC 1601 15 US 1692 I am afraid these XXXX credit reporting agencies have failed to to exercise the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts. 


I have remained humbled despite the stress, abuse, and harm these XXXX credit reporting agencies have done to me. I am ready to file a law suit if you do not remove these accounts immediately XXXX days from today.