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

Hello, I have tried multiple times with all 3 credit bureaus : Equifax, XXXX and XXXX to have the bankruptcy removed. The information is inaccurate and somehow, the Consumer and Bankruptcy is not mine. They are refusing to remove it to the point where I dispute and the next day they are reporting back they are not going to work it. Just recently I received a letter from XXXX on XX/XX/XXXX stating that they removed it. 

When I called them to confirm, the young lady told me that I have to submit the information back to the credit bureaus for removal. I did that and the next day they replied it was staying and the case was closed. 

Can someone please remove this inaccurate information along with the Consumer Report on file. The only thing they did was correct the name and removed the wrong one and took off XXXX XXXX. I told them in the past and even had fraud alert on my account and they did nothing. 


Thank you
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I submitted a dispute ( XXXX ) with Experian credit bureau XXXX I stated the XXXX account that is on my report is beyond the 7 year-period. Legally an item on a record will stay on a report for up to 7 years after the first late payment report. After that is has to be removed according to the Fair Credit Reporting Act. When a collection company buys the account, the time frame does not start back up. My last payment on that account was XXXX XX/XX/XXXX. It has been beyond the 7 year-period. Experian did not remove the account from their bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not taken proper precautions to protect my information ; as a result, all my sensitive information such as date of birth, SSN, etc. are now public information and I may soon be a victim of identity theft and other credit fraud problems.
Equifax could have at least hash the data instead of raw storage, but they carelessly have exposed the information of 150 million Americans ; this is serious neglect on their part.
Equifax has been quiet about this breach for nearly a month, this is seriously horrible. I received no notification about this breach to properly protect myself.
Product: Mortgage

when I purchase this home at XXXX XXXX XXXX XXXX XXXX, Md. XXXX. 
After putting a contract and money down on the home. I was told and given a list of repairs to do to the home. after all the repairs were done. A for sale sign and start showing the house again after a contract. They put the sign back in the front yard. 
With a list of repairs. and pictures. 

After calling my agent and the financing officer, I was told not to worry. I will get all my money back XXXX XXXX said I am still waiting. It's never too late for money! 
I'm still waiting for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX THIS COMPANY IS REPORTING A 30 DAY LATE FOR MONTH OF XX/XX/2019. I REACHED OUT TO THIS AND THEY WERE UNABLE TO VALIDATE THE ACCOUNT. THIS ITEM IS UNVERIFABLE.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 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 XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Money transfer, virtual currency, or money service

I sold a payment to jg Wentworth financial of XXXX dollars for a lump sum payment they are now claiming after signing contracts and getting all my information that the payment is now not available I was in contact with my original settlement people who have confirmed jg Wentworth has taken out the XXXX
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..

American Convention on Human Rights : Article 21 of the American Convention on Human Rights states that no one should be deprived of their property or social interest without just cause. It also prohibits usury and other forms of exploitation.
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent inquiries being reported on my credit report by Equifax and XXXX XXXX. I already contacted Equifax XXXX XXXX XXXX and disputed/requested for the fraudulent inquiries to be removed. There has been little to no progress. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681, these inquiries must be removed expeditiously. Furthermore, I'm seeking legal action in regards to these inquiries being reported to my credit reports. The inquiries are listed below : EQUIFAX : CXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX  XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX, Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX : XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX  XXXX Inquiry date XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX  Inquiry date Removal date XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX Inquiry date XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX Inquiry date XXXXXXXX XXXX XXXX  Inquiry date XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX  Inquiry date XXXX XXXX  Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX date XXXX XXXX  Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. This states I have the right to privacy. 15 USC 1681 section 604 A Section 2 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00} Late/Open XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Late/Open XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Collection Inquiry : XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S> Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S COde 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$11000.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} - XXXX XXXXNo Data XXXX XXXX XXXX XXXXXXXX {$200.00} - - -No Data XXXX XXXX XXXX XXXX {$13000.00} - - -No Data XXXX XXXX XXXX XXXX {$690.00} - - -No Data XXXX XXXX XXXX XXXX {$240.00} - --
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No.  XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with Equifax, XXXX, and XXXX, XXXX persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XXXX my computer was " hacked ''. All credit cards, bank info, etc. was compromised. 
I realized this two days later and immediately contacted Chase Bank. There were two charges of {$200.00} each made on XXXX and XXXX. ( gift card purchases ) They informed me that those charges where removed. 
However, on the XX/XX/2020 statement those charges reappeared. I contacted their fraud department and attempted several times to resolve this issue. They stated they would " look '' into it. Each time returning with same answer. That I was responsible. 
I sent them a letter from XXXX  stating that this was not a valid transaction. 
Again I received a letter stating the same stating I am responsible On XXXX, I again attempted to resolve. This representative stated they never received the letter from XXXX  and then that call was disconnected. 
I am at a loss how to get a fair hearing with Chase. When you do call you will wait for extended time periods and will be disconnected more often then not.
Product: Checking or savings account

I had already spent over 10 hours with customer support at Bank of America.
I had opened an account on XX/XX/XXXX based on {$300.00} cash bonus if I deposit {$4000.00} into my account.
My account was opened with   XXXX   XXXX  , BofA,   XXXX   XXXX   XXXX  ,  XXXX , CA  XXXX .   XXXX   XXXX   XXXX  . (   XXXX   XXXX   XXXX , AVP ) Two direct deposit went into my account from my employer on  XX/XX/XXXX  and  XX/XX/XXXX .
My employer is   XXXX   XXXX  , I work for   XXXX   XXXX  , this is my Bank email address.
Presently your branch is in breach of a legal contract and misrepresentation.
This is a demand for immediate payment of {$300.00} by close of business Monday  XXXX / XXXX /2017 + interests + restituions of my time spent due to repetitive follow up with BofA where BofA was very blatant with non-performance in a timely manner and in showing a purposeful intent not to resolving open escalated complaints #  XXXX .
  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I believe my consumer rights have been violated due to the inaccurate and incomplete information on my credit report and the failure to correct my personal information despite multiple requests. 

Despite providing proper documentation and making reasonable efforts to ensure that my name and address were updated and corrected, I have experienced continued inaccuracies in my file. Specifically, the following issues remain unresolved : name and address
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/XXXX, but didn't have any luck. I also filled out a Identity Theft Report ( FTC Report Number XXXX ) Delete Hard Inquiries XXXX XXXX from XX/XX/XXXX Credo from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX 2020
Product: Credit card

My credit card account was closed due to inactivity. I was not notified this would be happening. I have/had {$610.00} in rewards associated with the account and now they are saying since the account was closed they are forfeited. I feel this is an unfair business practice since I had been a good customer and earned rewards for my purchases. They should have notified me that my account would be closed for inactivity. Had I known, I would have claimed my rewards and possibly used the account to keep it open. At this point, I would like to claim the rewards that I had earned which was {$610.00}.
Product: Credit reporting or other personal consumer reports

The accounts listed below are fraudulent and were opened or used without my permission. I have spoken with the companies involved, and they requested I file a report with the FTC and provide details of what occurred. I have no knowledge of these events. 

These accounts are incorrectly reported on my credit report, and I do not recognize them. Beyond these facts, I have no additional information. 
XXXX  XXXX XXXX and XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

So for starters, I have numerous reports on my credit that does not belong to me on my hard inquiries, and my derogatory marks for the Credit Report companies XXXX & Experian. Some of them are as old as 2022, which means the normal two years that has passed by that usually leads to a change in your credit report has not happened since the two years of the original date for some of them has passed. I have done dispute reports for mostly all of them and yet nothing has changed at all. One of the other problems is me and my father has the same name, so theres a very high possibility that these credit reports that are being put on my credit most likely belong to him and are affecting me. My credit score should be way higher than what it is. Ive had to build my credit score up to a fair score while having these unnecessary and mistakes of file reports on my credit score over the years. This is not fair at all, and I truly believe I deserve these to be removed from my credit report and to be compensated for the unsettling results of a company that could not comply with their customers over all these years.
Product: Student loan

Company placed my loans on forbearance without my permission. They made mistake with documentation. I have used both their service and have called. Each time I have either gotten no response or response that is completely irrelevant to the questions I proposed or someone who told me they would fix the problem within five business days and yet it has never been done. I have been working on getting a response now for over two months and yet have not heard a word overall, my impression is that this company is completely incompetent. I am also perturbed that they have continuously made decisions about my loans without my permission, and without notification about such decisions.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I viewed my consumer report and sadly saw a collection account and several unauthorized inquires. My rights are being violated pursuant to 15 USC 1681b ( c ). These unauthorized accounts are causing my consumer file to be inaccurate. i know the consumer reporting agencies need to report a consumer credit file accurately, by law. Please investigate these following accounts and delete them from my file immediately, until then I demand a cease and desist of communication from these companies and me including reporting any negative data on my consumer report : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See attachment for supportive documents to my claim.
Product: Mortgage

My mortgage with Freedom Mortgage was refinanced through XXXX XXXX XXXX in XX/XX/XXXX. Freedom Mortgage received their payment on XXXX XX/XX/XXXX. At that time I had a balance of {$3.00}, XXXX in my escrow account that was due me. Freedom Mortgage claims that the payment was sent on XXXX XX/XX/XXXX. On XX/XX/XXXX, I called Freedom Mortgage to inquire about the status of the payment. I was told that they would take no action to track the payment until it was 30 days past due. When I asked for a tracking number so I could track the payment I was told that Freedom Mortgage does not provide that information and would take no further action until 30 days after the date they claim they sent the payment. I also asked about my year end statement fot tax purposes and was told that the " only obligation they had was to provide that statement by XXXX. I did not receive that statement until XX/XX/XXXX. Freedom Mortgage has been a horrible company to deal with and should never be allowed to handle VA mortgages. If I were 1 day late in sending a payment they would change me hundreds of dollars in late fees. In fact, I was on an auto pay system and my escrow charges changed by XXXX cents. Instead of notifying me that the amount changed they charges me {$350.00} in late fees three days after the payment was due. A very disreputable company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was sent to Equifax and XXXX on XX/XX/22 and XX/XX/22 for an collection account in the amount of XXXX $ for account # XXXX. With doing so I requested copies of the original contracts due to illegal collection and fees not agreed to signed by either merchant or myself. These request made is asking for signed contracts not for these credit agencies to continue updating this collection on my credit profile. This account still remain on both Equifax and XXXX credit file and have not been fully validated as requested.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling disputes in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despites using Zelle numerous times and reporting discrepancies, my financial institution and Zell failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected the consumer but has also allowed repeatedly for offenders to exploit and that advantage of their platform, leaving vulnerable users like myself victims to scams, fraud and simple errors. They continue to disregard the common man to profit from the transactions and expenses required to accurately investigate issues. The lack of accountability and transparency is unacceptable in todays society and raises suspicion upon the intentions of such neglect within the company.
Product: Vehicle loan or lease

After our county being declared a natural disaster by XXXX and the president after hurricane Florence Capital one auto finance has refused to defer any payments for any length of time. They give you payment options and that is all. We can not agree to any of those options when we do not know when we are able to get back to work due to severe flooding around the whole entire county.
Product: Checking or savings account

I had fraud on my account from XXXX XXXX XXXX  {$86.00} in XX/XX/2020. This charge is fraud, I never made this purchase. I've asked several times and the money has not been refunded to me. I also complained about Chase Bank to my senator XXXX XXXX. I also emailed the office of my congressman XXXX XXXX to complain about Chase. I also submitted a comment to complain about Chase Bank to whitehouse.gov/contact. I also filed a tip about Chase Bank to my local XXXX XXXX XXXX XXXX  XXXX at XXXX.
Product: Debt collection

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ),  hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.