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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to a charge off account with XXXX XXXX XXXX XXXX agency is Scott & Associates PC is reporting a collection amount of {$970.00} with a closing date of XX/XX/18. This debt exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date _______________________________________TRANSUNION XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXTRANSUNION COLLECTION BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry Ally FinancialXX/XX/2019. Please investigate to ensure there is no fraudulent activity. Please remove from my credit report.
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. I told experian, XXXX XXXX XXXX  to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is still inaccurate and your company STILL continuing to report errors on my credit file, which is causing damage to my credit score as well as affecting me in funding my business. According to 15 USC 1681 : I have the right to privacy and I did not give consumer report agency a written permission to furnish this account : Account name : XXXX XXXX XXXX Account number : XXXX Amount {$1300.00} I have previously requested that you delete these information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. Credit agencies are govern by 15 USC 1681 s-2, they violated my rights numerous of times as well as 15usc6801, 15usc6802 states an ongoing protection of consumers rights may not disclose unless provided to the consumer and 15usc6803.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ XXXX ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

I purchased a used XXXX XXXX. I paid {$500.00} to hold/reserve the vehicle and {$1500.00} down payment the day I purchased the vehicle. This is a total of {$2000.00} down payment on the vehicle. I have both receipts of the down payment that clearly states the money I paid was a down payment. The contract is invalid as it is inaccurate and writes " N/A '' in the downpayment category. The {$1500.00} and {$500.00} I paid as down payment are not reflected in the total vehicle price and were not subtracted therefore the loan price and monthly payments I have been told to pay are inaccurate. It is illegal to steal my money that was a down payment for a vehicle. It is illegal to write the wrong price on a contract. It is illegal to omit writing the down payment on the contract. This contract is inaccurate and illegal with the wrong information listed. I DID make a downpayment and the contract should have included this and taken this dollar amount from the total price of the vehicle. I have been charged a downpayment and no adjustment was made to the vehicle price, this is illegal practice. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. This account is erroneous and inaccurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information on my credit file is accurate and verifiable. 

The account in question is as follows : Creditor Name : XXXX, XXXX Account XXXX I have reviewed my records and confirmed that I never opened this account, nor did I authorize anyone else to open it on my behalf. I have also filed an identity theft report with the Federal Trade Commission ( FTC ), as this situation appears to be a result of fraudulent activity. Enclosed, you will find a copy of the FTC Identity Theft Report. 

In accordance with 15 U.S.C. 1681c-2 of the FCRA, I am requesting the immediate blocking and removal of this account from my credit report. As per this section, upon receiving proof of identity theft, credit reporting agencies are required to block the reporting of any fraudulent account within four business days. 

Please investigate this matter promptly and provide me with written confirmation once the account has been deleted. If you determine that the account can not be deleted, I request a detailed explanation and the documentation used in your verification process, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA. 

I look forward to your prompt resolution of this matter by deleting this account from my credit report. 

Thank you for your attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

In the light of the recent CFPB lawsuit highlighting significant issues using Zelle, I would like to express my concerns regarding Zelles handling of disputes. Despite using Zelle multiple times and reporting discrepancies, my claims were not investigated adequately by Zelle and my financial institution. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, which leaves users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

On XX/XX/2023 I received an email regarding unusual activity on my card in the amount of {$1000.00} ( XXXX in XXXX, Connecticut ). I received another email XX/XX/2023 that my credit card was turned off. I then reviewed my account and saw 8 pending transactions to XXXX XXXX ( XXXX, Washington ) for the amount of {$16000.00}. I then immediately contacted Wells Fargo to report these as fraudulent charges and to cancel the transactions and not to remove the funds from my account. Wells Fargo did investigate these fraudulent charges and issued me a temporary credit but on XX/XX/2023 the charges were placed back on my account. I contacted Wells Fargo and was informed that these were a direct point of sale and that I would be held responsible for these charges. The credit card that was used was a new card that was mailed but I never physically received this card. I reside in XXXX Florida and had just XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, I was on XXXX XXXX and unable to travel to these locations. I was at a XXXX. XXXX on XX/XX/2023 in Florida at the time of the first fraudulent charge. I have filed a police report and contacted XXXX, Washington police department that said this is an ongoing issue with XXXX XXXX. I want these charged removed because I didnt authorize them and reported them while pending still and said to not let the transactions go through. My card was over charged thousands of dollars and should have been red flagged with all these charges being done with such high amounts over and over again. Wells Fargo should not have allowed my account to be overdrawn especially that much money and also allowed them to do over 8 transactions at one location and not notice the scam taking place. I have tons of messages showing someone has cyber attacked me and stolen my information as well as sold it at the time of fraud. My credit score has been effected and Ive been a loyal customer to Wells Fargo since it was XXXX over 15 years. This is extremely upsetting that Ive had to battle them over charges I know I didnt make and reported while still pending.
Product: Bank account or service

The state of California file a hold order on my account there was only XXXX in there and bank charged me a {$120.00} fee which is crazy that there charging without full disclosure when I opened the account.
Product: Credit card or prepaid card

XX/XX/XXXX It was the fifth time I tried to solve american express XXXX XXXX XXXX XXXX problem and got denied. Currently American express owned me more than XXXX points. ( Base+Bonus ) There is an enquiry opening but there is no result. XXXX can not follow their policy give me the points that I spent and use on the card. XXXX only eager taking the year fee without giving me services. 


The last time supervisor I talk to XXXX at XXXX XXXX central time. Still they only give me trouble without help me. Not even able to give me the base points ahead. 

I got a answer only to wait, any potential solution has been denied.It is shame to pay around {$100.00} member fee for nearly nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX I have called Equifax on XX/XX/year> regarding the email that I received with valid claim that equifax has been ignoring for years. The agent refused to delete the incorrect information and start a dispute. 
Any id theft should be deleted immediately and not a 30 day dispute you are clearly in violation of FTCP regulations which is the law. 

Confirmation on it was : XXXX The only address reporting should be as : XX/XX/XXXX Phone Number : XXXX I have attached the proof with valid claim. 

Also the inquiries reporting which have already been deleted and reinserted need to be deleted asap.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ 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 Subject : Dispute of Charge-Off Reporting Dear [ " To Whom It May Concern '' ], I am writing to formally dispute the charge-off status of my account, [ XXXX ] as it appears on my credit report. I believe that this account should not be reporting an amount due. As per my records, the account was charged off on [ XX/XX/XXXX ], and I have made reasonable efforts to settle or negotiate this debt prior to this designation. According to the Fair Credit Reporting Act, a charge-off indicates that the creditor has given up on collecting the debt, which may mean that the reported balance should not reflect an amount due from me. I kindly request that you review my account and update your records accordingly to reflect that there is no amount due. Additionally, I would appreciate a confirmation of your findings and any adjustments made to my credit report. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Student loan

Asking for help with that XXXX XXXX XXXX but I got turned down by the student loan servicer, my loan should be forgiven since it was a XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have sent award letter from XXXX and 3rd party authorization. 
I was awarded under XXXX  XXXX forward payment. Nothing has posted on my acct yet. 
I was told payment went out to my mortgage company.
Product: Mortgage

Applied for a HELOC with Navy Federal Credit Union for the amount of XXXX. This amount was only a small fraction of the equity in my property. The XXXX was XXXX but NFCU wanted me to pay for an appraisal. I paid for that service and of course the apprising company out of XXXX  XXXX SC numbers were less at $ XXXX. I disagreed with the numbers submitted but the loan originator basically said move on from it. A number of documents were requested and sent ( taxes, incomes, insurances, and much more ). Some of the documents were being requested more than once or twice. I told the loan originator, I felt this was over for just a HELOC. Over the last few years, many accounts were opened with no problem. Credit card and vehicles loans were approved in minutes. Credit cards with limits of XXXX, vehicle loans XXXX and XXXX, respectfully. The XXXX vehicle loan was paid of early. My credit score at the time ranged from 790-812 with the three reporting agencies. The loan originator told me that her calculations showed that my debt to income was 55 % the reporting agencies at it from 26-30 %. I offered to send it but was denied stating, she is going with whats on her computer. I do my DD before applying for anything and have other accounts with other financial institutions, no problem. I applied for a XXXX personal loan ( 11.19 % ) and was approved within 24hours with NFCU a few days later. I took on higher interest rates because of this denial. The payment for the personal loan is greater than what the HELOC would have been at the time with low interest. {$420.00} per month. By the way, NFCU always send a message to my account noting my excellent payment history. But I still got denied for a HELOC.
Product: Mortgage

My father died unexpectedly in XX/XX/XXXX. I went through the XXXX XXXX XXXX XXXX XXXX court system to establish his estate which includes a condo he owns located in XXXX XXXX XXXX. I have a pending sales contract with a buyer. The title attorney sent over a written request for a payoff quote on XX/XX/XXXX to Carrington Mortgage Services LLC in which they were denied 2 weeks later. I submitted the death certificate and the letter of administration and requested a payoff quote on XXXX. I have called daily. The customer service reps continually provide poor customer service and gave me the run around. I have even ask to talk to a supervisor no useful information provided. This is a simple and common request to receive a payoff quote which validates 1 ) IF a loan exist 2 ) IF a balance exist so it can be paid off during the property sale ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. is in violation of multiple laws set forth by Congress regarding the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX, XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX  XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, Experian ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX, XXXX. can not collect on a canceled debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By definition, the IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX  XXXX XXXX. for the canceled debt of { { {$1400.00} } } in order to file as ordinary income.XXXX XXXX XXXX XXXX  is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX, XXXX. has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

In XXXX XXXX XXXX, XXXX. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, Experian is not an affiliate of XXXX XXXX XXXX, XXXX. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer. Additionally XXXX XXXX XXXX, XXXX. was also put on notice revoking any and all authorization I the consumer may have given written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. XXXX XXXX XXXX, XXXXdid not respond to or acknowledge this notice and has clearly still been disclosing my personal information to non affiliates ( XXXX, XXXX, Experian ). 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; CHILD SUPPORT- Account # XXXX, CHILD SUPPORT ENFORCEMENT- Account # XXXX, FLORIDA DEPT OF REVENUE- Account # 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.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.