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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Ive discovered that Equifax has furnished unlawful items on my consumer report with out my expressed written permission. I did not give Equifax written permission to furnish the following accounts per Section 604 ( a ) ( 2 ) of the FCRA : XXXX XXXX XXXX ( # XXXX ) ( {$26000.00} ), XXXX XXXX XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ), XXXX XXXX XXXX ( # XXXX ) or any other provided in the attached documents. The reporting of these accounts are unfair and an invasion of my right to privacy as they are required to respect per Section 602 ( a ) ( 4 ) of the FCRA. Equifax reported multiple items and information that law says should be EXCLUDED from my consumer report all charge offs and collections per 15 usc 1681a ( 2 ). These unlawful acts are effecting my ability to live and grave injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a review of my annual credit report in   XXXX   XXXX   I found an account for  XXXX   XXXX . I do not have, nor have I ever had a satellite service and I have never done business with  XXXX   XXXX . I contacted the credit reporting company to file a dispute but they report their investigation is complete and the account is valid. In   XXXX   XXXX   I contacted  XXXX   XXXX  directly and asked for proof of the validity of my account ; however, they refused to speak to me stating that the account has gone to collections and I must contact the collections company. In  XXXX  of  XXXX  I contacted a company called   XXXX   XXXX   XXXX   and requested proof of my debt but all they provided me with is a cover letter stating " the debt is valid, attached is verification of the debt '' and a past date bill from   XXXX   XXXX   XXXX   for an account with my name but at an address I have never lived at, nor been associated with. They are incapable of providing proof that this debt is mine but they are unwilling to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am currently a co signer on my sons loan with Nissan-XXXX account number XXXX. My XXXX XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I spoke to a rep from XXXX XXXX named Mr. XXXX, I wanted to dispute this fraudulent information that was being held on my credit report, the representative accused me of lying about the account being fraudulent. He stated that since the account was being paid with a XXXX XXXX account that I was obviously lying about the account not being mines, when I asked for his ID badge he refused and cut the line. So called back and spoke with someone else who sent me fraud report. My dispute started XX/XX/19, the rep informed my the dispute investigation takes from 45 days to 90 days to complete. On XX/XX/19 I sent the letter off to the XXXX, OH address, along with my IDF report and police report number. I called on XX/XX/19 and was told the letter have not been received yet and to call about the following Tuesday. On XX/XX/19 I spoke with another rep named XXXX, Badge # XXXX, I asked if they have received the letter yet, he told me their is no way for him to know if it came and I would have to wait until the dispute was over. Then he turned around to told me the disputed ended on XX/XX/19 and they found that i was responsible for it, but yet they didn't receive my reports and and its only been about 20 days since the investigation started. When I asked can resend my documents, he told me that since they found I was responsible for it, they never investigate this account again and I will have to pay the full balance. He told me anyone can make a police report and put their name on it, he accused me of making a false police report which a criminal offense in the state of IL. Why would put my career and schooling in jeopardy over {$500.00} by making a false report. I just want XXXX XXXX to know these are the type of UNTRAINED and UNPROFESSIONAL people working for them, and a reminder from those SAME people and OTHERS to NOT give their input on things they DO NOT know about. XXXX should also know refusing to take this item off my credit report is violating several laws and Credit acts. They have lied time and time again, I have everything documented this bank needs to be shut down immediately.
Product: Debt collection

" Self Financial '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the Commonwealth of Massachusetts. They are not registered with the Secretary of the Commonwealth. I have no idea how this account was allowed to report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion as of XX/XX/2021 is showing under collections {$180.00} debt that was removed XXXX months ago upon proof payments thru bank statements that I provided.They have broken there trust and reposted the debt with another collections company on there website.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX Intermediate Holdings, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXXXXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I received a XXXX XXXX XXXX alert. I saw Hunter Warfield fraudulently placed a negative collection account on my credit report. I don't know this company and never had any correspondence from Hunter Warfield or notices.

There are no contractual agreement in place giving Hunter Warfield a right to collect any debt from me or report to the major credit bureaus.

Hunter Warfield is a fraudulent business with currently a 1.4 star with XXXX review, 1 star with XXXX, 1.23 star with XXXX, and not even XXXX accredited. Yet they can intrude on consumers credit report and harass consumers.
Product: Checking or savings account

M & T Bank purchased People 's United Bank and when the transition happened my accounts were not accessible. Called customer service, waited on hold for 42 minutes and was told they needed to transfer me to digital support. Waited on hold with digital support for 2 hours and 56 minutes. The person who answered was unable to see my information and asked me to hang up and call back so the information appeared for them, but never gave me a number to call before disconnecting me. Now the process starts again. 
This is criminal in my book, as they have my money, which I have no access to and they either did not plan this conversion correctly or severely understaffed their support. 
Called back and now on hold for over 1 hour with no one to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to work with me to remove fraudulent information being reported on my credit report. I have been working with them sinceXX/XX/2019 with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.has violated my rights.

15USC1681 section602 ( a ) states i have the right yo privacy.

15 USC section 604 ( a ) states a consumer reporting agency can not furnish an account without my written consent or instructions.

15USC 1681 ( 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 conviction which antedates the report by more than 7 years 15 USC1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

I have disputed with XXXX and XXXX the Date of First Deliquency on this Chase account, and have had phone calls with Chase collections along with their " credit report specialists. '' I believe the proper Date of First Delinquency should be XX/XX/XXXX which is the date the account was closed. On the attached bill you will notice that the account was over-limit and past due on the XX/XX/XXXX statement, it was never brought current and the account was eventually settled in XXXX. The Chase " credit report specialist '' told me today that Date of First Deliquency '' is actually the date that the account settled for less than full balance. I have not seen any reference to such a policy, and think that that would constitute a " re-aging '' of the credit file.
Product: Debt collection

I have a debt on my credit report from National credit systems for {$100.00}. I called onXX/XX/XXXX @ XXXX to negotiate a settlement on the account. The initial lady I spoke with said she would transfer to a rep. The lady by the name of XXXX was very rude. She violated my right under the FDCPA because she did n't read the XXXX to let me know she was attempting to collect a debt. I asked to speak to a supervisor and she told me that she was the supervisor and she was not going to transfer me to anyone else. I was trying to ask additional questions about my account and she hung up in my face while I was still speaking. I was not able to get my account resolved and my rights was violated! I called and left a message on her manager ( XXXX XXXX ) voice mail and I have n't heard anything back from him.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Credit Information for Account # XXXX I am writing to dispute inaccurate information reported by XXXX XXXX XXXX my credit report. The account details are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Closed Date : XX/XX/2024 Balance : {$0.00} The following inaccuracies are noted : The account is reported as late ( XXXX, XXXX, and 90 days ) after the account was closed and paid in full. 

There are inconsistencies in reporting among TransUnion and XXXX. 
XXXX falsely reports the account status as XXXX  days or more than XXXX payments past due despite the account being paid in full. 

Under the Fair Credit Reporting Act ( FCRA ), they are required to ensure the accuracy of the information you report. I request that you investigate these inaccuracies and update my credit report to reflect accurate information. 

Please provide the results of your investigation in writing and send me an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, 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 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 months that are reported late 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 XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian- I will not allow any more longer time periods for your investigation of disputed information corrected by your furnisher of information XXXX . This has been an ongoing battle for more than a year. I have numerous written communication from each organization telling me to contact XXXX the furnisher of information for the bankruptcies 19-02111 & 19-03527. XXXX has deleted the the bankruptcies from my file with the same information that I have provided to XXXX, Experian. According to the FTC 611, you were suppose to investigate and also correct the inaccurate information. FTC 623 a, b, also inform you all to correct the disputed information in a timely manner. Therefore, I have exhausted all other options and disputes. I will not allow you all to continue prolonging and jeopardizing my credit information. I am exercising my legal rights to take legal suit against you both.
Product: Payday loan, title loan, personal loan, or advance loan

I took a line of credit for {$3200.00} so far Ive made XXXX payments of different amounts and I still owe more than {$1500.00} it seems to me that the interest on the loan is very high because very small amount that I pay goes to the principal.Im a XXXX XXXX and maybe I didnt read the information I received by email very well. I really do not want to default on the loan and ruin my credit rating any farther but I need so kind of relief from this situation that Ive created for mysel. I will appreciate any help that I may receive. Thank you very much.
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. 

XXXX XXXX account # XXXX {$100000.00} has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And According to 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and report discrepancies, my financial institution and Zelle 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 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 consumer safety.
Product: Mortgage

The company gave me false information and incorrectly advised me to allow an offer to expire to get corrected documents delaying the process to modify my loan coming out of forbearance and instead of XXXX a month at the interest rate offered originally I am now being asked to make payments of XXXX a month because interest rates spiked after it took them forever to accurately convey their request the proper documentation and process the application, even though they had all this information already on hand from the offer they had just given me that they told me to allow to expire. This is all recorded in the phone calls they have saved but refused to give me without a court order.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries have severely disrupted my life, leading to considerable XXXX XXXX XXXX. I must emphasize that I never gave permission for this information to be associated with my name, as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to TransUnion via certified mail return receipt on XX/XX/2021 and it was received on XX/XX/2021 ( Tracking # XXXX ) and I let them know there was incorrect inquiries reporting on my credit report. Those incorrect inquiries negatively impacted me while trying to obtain a mortgage. I have attached the request sent ( Transunion Dispute Letter.pdf ). Transunion elected to completely disregard my rights to an investigation under FCRA and instead sent the attached letter ( Transunion Response to Credit Dispute.pdf ). Given that more than 30 days have passed since they received proper notification and have failed to conduct an investigation into the incorrect inquiries I am requesting that Transunion remove all requested inquiries from my credit report and send an updated credit report reflecting the changes.