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

I have been reaching out to the credit bureaus for a while now asking for them to delete these inaccurate hard inquires and addresses on my credit profile, the bureaus keep telling me the inquires and addresses came back verified and I asked the bureaus to show me proof on how they came back verified and I have not yet gotten a response, and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

The debt was challenged through XXXX and the 1 month investigation revealed I did not owe it was taken off my credit report and 1 month later S.R.I. is back on my credit report and now is leaving bad info as an inquiry thus hurting my credit further as retaliatory effort for challenging the report. I should not have to deal with them once they were removed its unfair thay can come back on to the credit report. The dispute they all edge is 6 years old.
Product: Debt collection

I have a collection named midland credit management reporting on my credit report. I XXXX do not owe this company any money. I request they delete off 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 me 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 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 XXXX ( 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 XXXX 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: Mortgage

On three different occasions, I requested ( in writing ) for PMI to be removed based on XXXX ( original loan amount was $ XXXX, purchase price was $ XXXX, and the balance is $ XXXX ). As of today, the PMI still has not been removed. I made the initial request to the loan company over XXXX  months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

Hello, My issue is the following and concerns an international wire made to Coinbase XXXX - Sending XXXXeuros to CoinbaseXX/XX/XXXX - Wire is refused because account name and bank account name do not match, email stating fund are to be refund within 2 business days XXXX - No sign of any refund, company when rogue and do not answer Actions taken : - Mail to XXXXXXXXXXXX and XXXXXXXXXXXX - Submit a ticket with their official website support - XXXX thread - Private Message to all officials Coinbase employees on XXXX - International Phone Call mutliple time with no success
Product: Student loan

I have attended XXXX XXXX and not XXXX XXXX. 

Me and my husband XXXX XXXX both attended this college together in the same batch, and we both have identical problems with our student loan. 

I have been given XXXX balance statement by my college, than why is this collection agency calling me? 

They have told me it will spoil my credit report too. 

There is some thing wrong with this college and financial aid department. 

When I joined the college my loan was with Tuition Options, in between it got changed to XXXX XXXX, I did not make the change. I do not know who did that. 

Than after I was given XXXX balance statement, copy attached, than I get threat calls. 
Last call was from FCC headquarter Person name XXXX called, from phone no XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EST I am suffering. 

Can you please help? 

I was told while signup Every student gets 6 months to start to replay his/ her loan after course completion.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle a couple of times and reporting my problems, my financial institute ( chase ) and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and my funds were taken to pay someone else. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; XXXX  ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

Received a copy of credit profile incorrect information on my credit profile. Identity theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> {$250.00} I was a victim of XXXX XXXX plus Covid 19 in identity theft Im free in trying to get my life together but this account keep messing my credit report up I been paying cause they wnt removed it but Im tired Im drain
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
BANK OF AMERICA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint against UNITED FIN ( ORIGINAL CREDITOR : 09 XXXX XXXX  ). I filed an Identity Theft Report with the FTC. I followed the instructions given to me by the FTC. I sent copies to each bureau as well as the creditors instructing them per the FTC to block the accounts that were listed in my identity theft. The instructions went unnoticed and my rights as a consumer under the umbrella of the FCRA requirements for information furnished were violated. The laws that are not being followed in my case are : THEY CANT REPORT INACCURATE INFO. THEY MUST PROMPTLY UPDATE AND CORRECT ANY INACCURATE INFORMATION PREVIOUSLY TO THE CREDIT BUREAUS. 
THEY CAN'T REPORT ACCOUNTS THAT YOU HAVE PREVIOUSLY REPORTED WERE THE RESULT OF IDENTITY THEFT. 

Dating as far back as XX/XX/21 which was when I had originally filed the FTC report you can see that United Fin never acknowledged the rules and continued to report as if the law did not apply to them. I have included a copy of my credit report that shows that the errors alone in Date Last Active, Date Opened have never been corrected. I understand that a complaint I recently submitted was rejected due to the fact a complaint against this company was previously submitted, but the nature of the violation makes it so the complaint is a new one due to their won ton disregard to the law.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. The account in question is listed as " XXXX XXXX '' with Equifax, under account number XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically : Right to Privacy ( 15 U.S.C. 1681, Section 602 ( a ) ) : I have the right to privacy concerning my credit information. This account has been added to my report without my authorization, and its inclusion violates my right to privacy.

Furnishing Information Without Written Consent ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : Under this section, a consumer reporting agency is prohibited from furnishing any credit information without my express written instructions. I did not provide any consent or instruction for this account to be reported in my name, making its presence on my credit report unlawful. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the immediate removal of this fraudulent account from my credit report. I am concerned that this false information may negatively impact my creditworthiness and financial reputation. 

I have enclosed copies of my credit report, identification documents, and any other pertinent materials related to this dispute for your reference. Please let me know if any additional information is required to proceed with this investigation. 

Thank you for your attention to this serious matter. I look forward to a prompt resolution and the correction of my credit report. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts will be updated or corrected immediately. 
XXXXXXXX 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that myfile has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$940.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$940.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX XXXX Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX Balance Owed : {$320.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

I purchased a vehicle 3 years ago. As of recently I've made every payment on time. About a year ago I went through a separation from my children 's mother. For custody reasons she has gone out of her way to destroy my credit and career, in order to win custody of our children. She has cost me 2 jobs, by showing up and harassing me. I have evidence of this. She has opened 3 accounts in my name. If have no problem paying these if I could maintain a job. My vehicle was intentionally damaged. Sugar was poured into the gas tank. It caused over {$2000.00} in damage. She disputed 3 payments made through an account that she had used to pay with. She was listed as on the vehicle account as a driver, and on the auto insurance, which she also disputed 2 payments. After which she reported to the auto finance company the location of my vehicle and said to repo it. Then bragged about lying and what she had done one social media. I've since made the repairs using what saved money I have. I'm having troubles catching the vehicle up in order to use it as transportation to an from work. I'm a XXXX   XXXX, and can make money with or with out a job. It's just she to the personal attacks from this individual I'm currently in a circle of dept that has locked my ability to grasp how and what to do to overcome it. I need advise or help. Recently I made {$800.00} in payments to get the vehicle under 90 days past due. Toyota told me they would give me options after I did that, and vehicle would be taken out of repo status. They denyed my request to move the past due amount to the back of the dept like they agreed. Then sent a repo agent to claim the vehicle. I denyed then the vehicle. And will continue to do so. I've worked hard to buy, keep, maintain, and repair my vehicle. I'm still behind exactly what was disputed. I'm only weeks from fully financially collapsing and losing my home and everything. I've exhausted all my resources to stay afloat. This is my first attempt to ask for help. I need options. Please help.
Product: Debt collection

On XX/XX/2022 a certified letter was sent to Wells Fargo to validate the debt and cease and desist collection activity. 

Wells Fargo violated the 15 USC 1692g : *Wells Fargo did not validate the debt.

*Wells Fargo sent an " Acknowledgement Email '' on XX/XX/XXXX, XXXX with case number : XXXX. 
*I received a letter dated XXXX XXXX which stated Well Fargo received a cease and desist communication. Wells Fargo advised they will continue monthly paper statements and advised that the communication was an attempt to collect a debt and that any information obtained will be used for that purpose. 
XXXX XX/XX/2022, Well Fargo sent a bill attempting to collect a debt.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I Looked at my credit report on XX/XX/XXXX. I was informed that my credit report has unauthorized hard inquiries also some inquiries are over their removal date. I also have the evidence. ACCORDING TO 15 USC 1681B FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES OR KNOWNINGLY WITHOUT A PERMISSIBLE PURPOSE. 


XXXX. ( XXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX OPENED XXXX/XXXX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX  XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B XXXX. ( XXXX XXXX OPENED XX/XX/XXXX ) : This inquiry has no permissible purpose to be on my report delete the inquiry due to violation of 15 usc 1681B
Product: Money transfer, virtual currency, or money service

Instances of overcharges or funds being denied as available despite being in the cashapp account.