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

Please remove from my credit report across all bureaus. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to FCRA 605B, 18 USC 8 this company is violating my consumer right to privacy pursuant to 15 USC 1681B2, 15 U.S. Code 1692c has no permission to report any info pursuant to 15 USC 1681 4.

I did not sign any agreementeither physically or electronicallywith my wet signature that obligates me to this alleged debt.

To the best of my knowledge, no valid contract exists between me and the creditor/debt collector for the stated amount or any debt.

I have requested verification and validation of this debt from the debt collector, including documentation of any signed agreement. As of this date, no such proof has been provided. Please remove form my credit report.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed : XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account is identity Thief and not mines would like it removed from credit report
Product: Credit reporting or other personal consumer reports

Reporting late payment on XXXX. In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$XXXX} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : I was never late on this account. I have made all my payments on time. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting or other personal consumer reports

AFFIRM corp that helps with lay away type loans. They keep telling me that I don't have any open accounts with them and won't accept my social security number to look up said accounts. XXXX credit bureau says otherwise. When I filed the dispute, it took a couple of weeks for them to report back to me that the information was accurate. It is clearly NOT the case. AFFIRM DOES NOT HAVE a fraud department. Neither company will tell me the full account number nor go into any detail as to how to rectify this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my Transunion decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with XXXX, XXXX, and Transunion. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both XXXX and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and I found several items to be inaccurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX ACCOUNT XXXX. 

These fraudulent accounts have led to the said hard inquiries on top of several collection accounts. 
XXXX XXXX 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 : 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 reporting, credit repair services, or other personal consumer reports

My credit was ran without my permission and authorization and knowledge. My TRANSUNION CREDIT REPORT reflects the following : On XX/XX/2022 the following my credit was ran without my permission authorization and knowledge to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a loan from  One Main Financial i n Louisiana on   XXXX   XXXX    2017.  I was not informed what pre computed interest meant exactly. My loan interest is over 20 %. I 'm still waiting on my documents from them to know the exact amount of interest. So now my {$5000.00} loan is {$11000.00}. The usury law for Louisiana has a legal max of 12 % for personal loans. They are breaking the law and fooled me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a complaint with CFPB. According to CFPB, they notified the company of the complaint on XX/XX/2022. XXXX, the company has 60 days to repond to complaint XXXX. Which it has been over 60 days. According to CFPB, the company final response was on XX/XX/2022. Therefore, all that I disputed in the complaint XXXX should be deleted from my credit report.
Product: Checking or savings account

I received an email to my work email from an account that said it was my boss. He asked for my help on a task and for my phone number. I gave him my phone number and he texted me from the number XXXX. He asked me to purchase XXXX XXXX XXXX on his behalf. I purchased nine, {$200.00} on his behalf. I then found out that this wasn't my boss and that this was a phishing scam. My bank has rejected my fraud claim twice and has refused to give me the {$1800.00} back. When I realized this was a scam, People 's said that they could not because my ID from when I opened the account in XXXX ( my passport ) was expired, even though I provided People 's with my up-to-date passport back in XXXX when I got a new debit card from them. When I realized this was a scam, the charges were also still pending on my account. However, People 's refused to take any action on these pending charges.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed that recovering lost funds impossible and tracking these transactions was unfeasible. The CFPBs findings indicates the Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had unauthorized charges including late fees on a credit card. We disputed it XX/XX/XXXX, the creditor closed the card, sent a new one, reversed all of the charges on XX/XX/XXXX and sent a letter stating it was approved. The statement cycle closed on XX/XX/21 which shows the fraud charges reversed as well as the late charges. We also disputed it with TransUnion since this shows our ONLY late payment on our reports. 

We are in escrow to close the end of this month on a property. This has caused a 93 point drop in my husband 's credit score and a 33 point drop in mine. This is causing us to now have been put into a higher interest rate. TransUnion is unable to do anything to correct it. They are not showing the updated information that the creditor sent to them on XX/XX/2021. 

I am requesting a change to credit fraud reporting on all bureaus, that while they investigate, they remove those derogatory items until the investigation is complete. Not leave them on until afterward. These reports are also very unreliable. Each source shows them as reporting a different score. ie. 3-scores under TU, or XXXX or XXXX. The numbers do not match.
Product: Mortgage

Bank of America continues to state that the loan is behind. As recent as TODAY they told XXXX XXXX that the mortgage is behind and that they are charging her {$95.00} a day in interest. This follows a " claim '' by bank of America that a check in XXXX was dishonored. Despite a complaint with the CFPB, they have STILL not provided a shred of evidence that the check was dishonored. My bank has told me the check was NEVER PRESENTED. As a result of their LOSING THE CHECK, they attempted for the 3rd time in 4 years to fraudulently force the property into foreclosure. It was only a complaint to this bureau that resulted in them backing off their BLATANTLY ILLEGAL AND TERRORISTIC behavior. However, despite not providing ANY EVIDENCE whatsoever that the check was dishonored, they are harassing XXXX XXXX and me for payment of the fees they attached during the process. Despite stating in the previous complaint they would get back to us they have NEVER responded.
Product: Credit card or prepaid card

I fell behind on payments by about XXXX months. The company had me on a payment plan to help but the payments were still too much. I was given an offer of XXXX XXXX interest and the they close the account or make a one time payment to keep the card. So I made a one time payment of {$1100.00} on XX/XX/2022 to keep the card open. To my surprise credit karma alerted me that my card was closed as of XX/XX/2022. I contacted discover about a week ago to complaint about this and have my card opened or the interest brought down to XXXX % since they closed my card. I received no resolution even though I threaten to report this udap violation. To this day Im still stuck at a higher interest rate with a closed card Im forced to make payments on even though I am still recovering from my financial hardship.
Product: Debt collection

I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file. They are just the servicer of the alleged loan, they can't be the holder in due course.
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. This complaint is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed item has been updated. 

XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/20
Product: Credit card or prepaid card

I called Wells Fargo to resolve a complaint about interest charges due to an issue of Wells Fargo not debiting my account for the credit card fees. Wells Fargo fixed that issue and offered to set up automatic payments for my credit card so this issue would not arise again. I agreed. 
six months later while reviewing my bills I realised that I was being charged monthly interest. On contacting wells Fargo they told me they automatic payments have been set up for the minimum amount due and not the full amount. when setting up the automatic payment, I was not provided with this information.

I have requested Wells Fargo to refund the interest charged for the seven months as the minimum payment was set up without my authorization either by mistake by wells Fargo or maybe intentionally to earn unnecessary interest. 
It should be noted that there is no easy way for setting up automatic payment online at the Wells Fargo site, nor is the information that only minimum payments are being chrged clearly shown on the online credit card statement. 
It was only when I downloaded the PDF statements was I able to see and understand what was happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non- reportng with ( XXXX , XXXX  , Transunion ). They have failed to add information that was paid in full do to a real estate flip i did from XX/XX/2007 to XX/XX/2007. I strongly believe that they are in violation of the FCRA and are outright hurting the way i do business with my name.
Product: Credit reporting or other personal consumer reports

I have a current credit card account with XXXX that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the 3 credit bureaus ( XXXX, Equifax, and XXXX ). I reached out to XXXX and they said they have been reporting the card. I reached out to XXXX but they could not help me with any useful information and instead tried to sell me paid membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only one of the three credit reporting agency 'Transunion '' is wrongly reporting I have late mortgage payments in XXXX and to correct the issue I provided them 12 bank statement showing mortgage payment was paid every month on time through direct debt and after multiple online disputes and calls with supervisors I was informed the best way to fix it is to ask mortgage company to send them a letter to remove the account. Mortgage company did send them a letter back on XX/XX/XXXX asking to remove the account and I was shocked as I am in the process of buying a house to find out that the wrong information still on my account which is hurting me financially.
Product: Credit card

Unsolicited XXXX credit card sent by IMCA Capital. They appear to be trolling for new accounts. This card I do not need and did not request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car with Santander Consumer USA in XXXX. The Car was repossessed during my XXXX proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.
Product: Credit reporting or other personal consumer reports

I sent a communication to XXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.