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

There is Three collection accounts that do not belong to me, i have called them company and they give me no info because i cant verify my info. These items are stopping me from buying a home. Also, below are a lot of inquiries that i never did, this has to be fraud or an attempt to do fraud. 

XXXX XXXX XXXX Opened XX/XX/XXXX amount {$640.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$760.00} XXXX XXXX XXXX XX/XX/XXXX amount {$410.00} Inquires below XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Contractors XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX I Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XXXX XXXX, XXXX National Credit Cards/Airlines XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from Apr XXXX, XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX   XXXX Inquiry from XX/XX/XXXX Bank Cap XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry  from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credence Resource Management , LLC initially received information from XXXX XXXX  XXXX on XX/XX/XXXX, stating that a debt disputed by consumer was owed in the amount of {$2800.00}. Consumer contacted Credence Resource Management , LLC on XX/XX/XXXX, to dispute the account and requested written validation of this information in XX/XX/XXXX. It was confirmed during the call on XX/XX/XXXX, with agent XXXX that Consumer had indeed called Credence Resource Management on XX/XX/XXXX. Consumer did not receive any response to the validation letter sent in XX/XX/XXXX, and Credence Resource Management , LLC informed during the call that the XXXX XXXX XXXX account was returned to XXXX XXXX XXXX on XX/XX/XXXX. 

Collection agent XXXX then expressed that the account was reassigned back to Credence Resource Management , LLC on XX/XX/XXXX. XXXX then advised that a letter was sent on XX/XX/XXXX regarding this debt owed. On XX/XX/XXXX, Consumer received a credit alert from a credit monitoring service stating that Credence Resource Management , LLC had reported account XXXX with the credit reporting agencies that this account was opened with an effective date of XX/XX/XXXX. Consumer expressed to agent XXXX that Credence Resource Management was in violation of the Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) as XXXX XXXX XXXX and Credence Resource Management , LLC knowingly re-aged the account to reflect a XX/XX/XXXX account causing harm to consumer credit report.
Product: Mortgage

When I refinanced the bank stole all the equity I had from years of paying in full and on time. The amount they stole was around {$24000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report due to fraudulent activity related to a data breach. I did not authorize the creation or association of these accounts and inquiries. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you remove these items promptly. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries : XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX CAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I CHECKED MY CREDIT 2 WEEKS AGO. THERE WAS A COLLECTION ACCOUNT FROM 3 YEARS AGO ON MY XXXX  AND XXXX   REPORT. I TRIED TO ASK WHY THIS IS ON MY REPORT. THE REP TRIED TO SET UP AN ARRANGEMENT TO PAY. I TOLD HER THIS IS NOT MY ACCOUNT. PLEASE PROVIDE SOME DOCUMENTS FOR THE DEBT. THE DEBT IS {$360.00} WHICH IS NOT MINE. IT HAPPENED AROUND XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything that I know how to do correctly, Still, XXXX, XXXX and Experian will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX ) ( EXPERIAN ) ( XXXX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Product: Debt collection

The exact option for filing this dispute is not listed in the drop down menu above. This company is inaccurately reporting as the original creditor/lender on the XXXX credit reporting agencies. This is inaccurate information, they are a debt collector not a creditor. I have made attempts to have this information validated and updated/removed and have received no formal response to any letters I have mailed in.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. Despite diligent efforts on my part to rectify discrepancies, the inaccuracies persist, impacting my financial standing and consumer rights. I have diligently contested the inaccuracies present within the information provided to XXXX, XXXX, and TransUnion. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report TransUnion : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute everything on my files everything that I had on my folders from years ago it really does stick with you, so what Im trying to do is to clean up my file weather I have to dispute. Theres things on my file that need to be cleaned up. It doesnt need to be on my file Im trying to clean up my credit and this is the only way I know how to go about it so please if theres anything you can do on your end, I would appreciate it. If theres any other information I need to submit or anything please let me know and Ill submit it ASAP. Thank you very much. I just want my life back Im XXXX XXXX XXXX and cant do nothing. Ive been married for 32 years and cant do a XXXX thing. I cant take this its either this or XXXX XXXX but ones Got ta give. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly.
Product: Checking or savings account

My Account has been locked for a week which started XX/XX/21. I have called fraud protection every day since and have not gotten feedback or a resolution to the problem. Every representative has stated that my account will be resolved in 24- 48 hours but it has been a total of 8 days and i am still uninformed to the problem and there still has been no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section states I have the right to privacy. XXXX XXXX XXXX in the amount of {$4300.00}. This account says in collection but is stated to be open. By law any account in collection can not be open. I never gave this company permission to use my information so this is all inaccurate and unauthorized information
Product: Money transfer, virtual currency, or money service

I am writing to formally share my concerns about Zelles dispute resolution process, particularly given recent findings from the CFPB highlighting major shortcomings with the platform. Despite multiple uses of Zelle and reporting issues with transactions, both my financial institution and Zelle failed to address my claims thoroughly. I was informed that recovering lost funds is impossible and tracking transactions is unfeasible.

The CFPBs findings further reveal that Zelle has not only neglected to prioritize consumer protection but has also allowed repeat offenders to exploit the system, exposing users to fraud. This lack of accountability and transparency is deeply troubling and raises significant concerns about user safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED FOR CITI CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting as charged off since opening date. Account should be reporting as paid, never late. Account is XXXX XXXX XXXX. Account has a limit of XXXX, with the last payment due of XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding late payments on my credit record. After inspecting my credit report, I found these late payment entries. I sent correspondence over a month ago but have received no reply, nor has adequate validation been provided. I am now seeking your help to address this issue.
Product: Debt collection

Ive been in contact with the company listed as the collection agency and they have sent me a letter stating they requested that all 3 credit bureaus delete the incorrect information.XXXX  as well as XXXX have removed it but Experian refuses to remove the information. Ive sent the letter to Experian stating it should be removed. Ive been going through this at least 2 years
Product: Credit card or prepaid card

I have already opened XXXX disputes about an open Credit Card account with Bank of America which I have no knowledge of and in my credit report someone elses name appears which is similar to mine. The information is incorrect and I should not have that credit card in my credit report. I have set a dispute for no knowledge of the account and a dispute for a similar name from which both got dismissed with no change to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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

I had filed a preliminary Bankruptcy with the Bankruptcy court in XXXX Oregon. We filed 3 of these on 3 different occasions to try to stop the sell of our home. With each one we paid a partial payment to start the process. This stopped the sale of our home. The final payment was never made to finish the bankruptcy in order for the Bankruptcy to be dismissed. But the one filed XX/XX/2016 some how ended up on my credit report. I submitted a dispute with Transunion an XXXX a few times and received a response that everything looked just fine. I then copied the bankruptcy documents and tagged the location where the document indicated that the bankruptcy was dismissed and sent them to Transunion and XXXX. Never hear back from them. I recently called Transunion and they resubmitted a dispute but one of the reps had told me that I needed to call the courts and have them call the bureau and have them dismiss the error. After calling the courts, they told me they do not report to the credit agencies so they could not take it off. I feel that the credit bureau 's are not reading the full document to see that this should not have been placed on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Account Investigation and Removal To Whom It May Concern, I am writing to formally dispute several accounts listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Please note that I have provided my identification, including a copy of my government-issued ID, Social Security card , and proof of residency, to facilitate your verification process. 

The following accounts are inaccurate, unverifiable, or incomplete and should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA, I request that you investigate these accounts and provide proof of their accuracy, validity, and compliance with all consumer reporting requirements. If you are unable to verify the information in full compliance with federal law, these accounts must be deleted from my credit report immediately. 

Additionally, under Section 609 of the FCRA, I request the full method of verification used to confirm the validity of these accounts. This includes a copy of any documentation you used during the verification process. 

Failure to respond to this dispute or to comply with the FCRA and FDCPA within 30 days of receipt of this letter will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. 

Please provide me with a copy of my updated credit report after completing your investigation. I expect this matter to be resolved promptly. 

Thank you for your attention to this matter. I look forward to your response. Request these be removed from XXXX, Experian and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I opened a checking account with Bank of America on XXXX XXXX, XXXX at the local Bank of America branch in XXXX, CT with an initial deposit of {$3000.00} via XXXX money order. I was told by the account specialist XXXX XXXX that my funds would be available within 24 hours. 24 hours the funds were not available so I called XXXX XXXX who advised me " to give it a few days. '' I called the local branch again on XXXX XXXX when the funds did not post and I was referred to the generic customer service line ( XXXX ) in order to seek a resolution. The customer service representative informed me that there was no posting of {$3000.00} nor was there any record of a money order deposit. They referred me back to the local branch despite having no results with them either. 

I have the receipt from Bank of America dated XXXX XXXX, XXXX for the deposit of {$3000.00}. I also have the receipts from the XXXX for the 3- {$1000.00} money orders. Bank of America has violated their deposit agreement for fund availability for XXXX postal orders, had their customer service representatives mis-inform me on the status of my deposit and overall has not helped me resolve this issue.
Product: Debt collection

Certified mail was received on XXXX by ( debt collector ) requesting validation of debt. They responded with medical records, a DIRECT violation of XXXX regulations. Not sure only did these documents have producers and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a XXXX form authorizing access to any such medical records.
Product: Debt collection

debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of XXXX XXXX 2015 and the debt should have a later date then that