23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Product: Credit reporting or other personal consumer reports

My student loans ( Aidvantage ) were taken out of Income Based Repayment and forbearance without my knowledge. I reached out to them and they were to put everything into " current '' status. They even credited me all of the late fees, because of the issue, but said that there is nothing that they can do about the credit reporting. 

I had no Idea that this had happened until multiple loans hit my credit report at once and my score dropped very significantly. I only discovered it by checking my XXXX report because I am within days of getting a home loan and this will drastically affect my financing. I really need help here to get this fixed and my report updated. 

Thank you!!
Product: Vehicle loan or lease

I have filed numerous complaints against Wells Fargo Auto Finance, and they continue to send me the same stack of information that I allegedly signed. However, the one document that I do not have in the sales paperwork ( which XXXX XXXX XXXX took one full month to get to me and I have the text messages to prove it ) is the Loan Application. 

The salesmen filled in the amounts of my income, and I looked at it, then I refused to sign it ( as it had false information regarding my income ). When I got back from the XXXX XXXX, I wanted my car keys back, the salesmen said they 'bought out my car ', without my permission, and said that the loan went through. I couldn`t see how it would pass through Wells Fargo Auto in such an easy way. 

Wells Fargo Auto Finance never asked for 3-6 months of back bank statements to show that I indeed made this amount of money. I also did not work for XXXX XXXX XXXX for XXXX years, and that was on the Loan Application as well. I started working to XXXX XXXX XXXX on XX/XX/2022. I believe I have all my pay stubs from them as well. 

So, this is not a legitimate sale, and not getting the Sales paperwork until one full month after the sale only goes to prove that they could have forged my name on the Loan Application. I didn`t even know how much they gave me for my car, which was next to nothing. Wells Fargo Auto Finance needs to go after XXXX XXXX XXXX for falsifying the Loan Application, it`s as simple as that.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )
Product: Checking or savings account

We found 4 charges from XXXX over a 4 month period where someone used my credit card numbers to obtain PrePaid cards and then used them to ___? Pay their own payments? Or? 

I went to XXXX and filed a lengthy claim. They say they do not have the authority to check who, where, how, anything about theses transactions. Were they in-store, card captured transactions? Were they online or? WE were told it had to be taken up with my financial institution and my institution working with them. 

I've been inside my local branch 10-15 times filing reports, submitting papers, etc. and have received 3 form notices telling me that my request has been denied. They indicated that since I had my actual XXXX cell phone account on autopay or ACH, $ 100- {$100.00} every single month on the same day, then these extra charges are my charges too. XXXX XXXX! On two separate trips, one month apart, my branch employee called and discussed the fact that I'm a 17 year customer, XXXX years old and I don't file bogus claims. That employee, XXXX, then twice requested their documentation as indicated on the bottom of each denial. My bank refuses to give me ANY documentation about their investigation about MY account and MY losses as required. 

We checked back with XXXX in XXXX and XXXX informed us they had not been contacted by anyone from Suntrust about this stolen money. 

Why is the bank that's held my Business and Personal accounts for 17 years refuse to cooperate with me in the slightest bit? Forget the outright fraud, how do you treat a valid customer like this? 

XXXX XXXX
Product: Checking or savings account

XX/XX/year> - I made a mobile deposit of {$500.00} to my XXXX account at Optum Bank. 
XX/XX/year> - The bank returned the check because it was made payable to my name, not the banks name. 

The check was issued by XXXX XXXX ( through XXXX XXXX Bank ). Neither XXXX XXXX nor XXXX XXXX received the check. I called Optum Bank to request more details about the returned check so I could follow up with XXXX XXXX or XXXX XXXX. Ive been calling weekly for the past month, but no one has been able to track the check or provide details about the returned check. Each time I call, the issue is escalated, but nothing happens, and I receive no updates. When I call again, the same process repeats. The bank can not track its own transaction and is unable to provide any details regarding a transaction posted to their customers account.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, and XXXX of XXXX I mailed a letter of dispute to Transunion about an account and an inquiry that is listed on my credit report. Both things are not mine. Neither credit bureau responded, investigated, or removed the items. I feel violated and I am severely stressed out trying to correct this issue with these bureaus. They repeatedly and continually ignore my letters on purpose. This is causing me stress and financial challenges. I am only mailing them disputes because they are ignoring me and I really want this problem to be fixed. According to FCRA Law if they do not respond after 30 days, this disputed item has to be removed immediately! Not only did they not respond but they did not provide me with the proof that anything was validated. I requested proof of a contract or document with my wet signature on it showing that I authorized any inquiry or account and I received nothing. Please help me with this situation.
Product: Debt collection

Hi, I'm unaware of this debt and did not have the opportunity to dispute this account Medical Data Systems Inc # XXXX! They should have provided me with proper notification about this account for before they placed it on my credit report! 

If Medical Data Systems Inc has provided this information, please provide the CERTIFIED MAIL RECEIPT WITH MY SIGNATURE, DATE AND TIME supporting I received proper notification as required! 

I had Excellent XXXX XXXX XXXX plus! I was in the process of buying a house this account appeared on my credit report! PLEASE REMOVE AND ASAP OR I WILL TAKE LEGAL ACTION!!! As Medical Data Systems are in violation!!!
Product: Debt collection

Threatening to take my money and house. Already talked to debt collectors on a payment plan
Product: Credit reporting or other personal consumer reports

It appears that my credit file 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, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX : {$18.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$580.00} XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor : XXXX XXXX Inquiry Date : XX/XX/2019
Product: Credit reporting or other personal consumer reports

I contacted XXXX, Experian and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true I am a victim of fraud. 

This negative mark is damaging to my credit. Please contact Experian, XXXX and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance.
Product: Debt collection

I recently pulled my credit report and noticed that there is a collection from your agency on my credit report. I have never been notified of this collection. This letter does not imply that I refuse to pay this debt. However, I would like to dispute your claim. 

As per the FDCPA, I have a right to request a validation of this debt. I request you to prove that I am the party who is by contract obligated to pay off this debt. 

Until you validate this debt, you can not continue collection activities, nor can you report this information on my credit report. Non-compliance with this request is likely to put your company in legal trouble with the FTC and other state/federal agencies.

Please attach copies of the following documents : 1. Agreement with your client that authorized you to collect on this alleged debt 2. Agreement that bears signature of the alleged debtor where he/she promises to pay the creditor XXXX. Complete payment history on this account to prove that the debt amount you are attempting to collect is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over three weeks I have tried to have Equifax remove dispute comments from two accounts on my file. They tell me they are going to take care of it and they would send me an email in 24-72 hours and the comments would be removed. I have waited several days and would not receive any email confirmation. These two accounts on my file I am no longer disputing and would like the comments removed. Every time I call I receive different information from the agents
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
D

espite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

This company has been harassing me and my family. Calling me at work and threathen to take me to court for an account I do n't even know what is about. They call me at work and they do n't want to give me any information. Also They talk to me in a very rude and not proper way. Making me feel afraid of what they say that could happened to me. Keep harassing my family as well. I tried calling several times and the lady XXXX was rude and did n't wanted to give me information of the company. They call from local numbers and this number XXXX ext XXXX REPRESENTATIVE : XXXX AND XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, my wife and I divorced and I was awarded our home and ordered to refinance the mortgage within 120 days or be forced to sell the home. I immediately contacted my mortgage company, Carrington Mortgage Services , LLC, to begin the refinancing process. 

Although I provided all documents requested on a timely basis, and paid {$600.00} for an appraisal, Carrington continually dragged their feet and did not respond in a timely manner to my phone calls and emails. 

On XX/XX/XXXX ( just shy of the 120 day time period I had to refinance the mortgage ), Carrington denied my application without just cause. I am now trying to refinance with another company and interest rates have gone up almost 1 percent. My ex-wife is also threatening to sue me for contempt of court. There is absolutely no reason Carrington should have spent almost 4 months on the refinance of my mortgage only to deny my application. They have cost me time and money and possibly the ownership of my home.
Product: Credit reporting

U.S Postal Certified Mail No : XXXX GA XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. PA XXXXXXXX, 2015RE : XXXX- REQUEST FOR PROOF OF CLAIMAccount # - XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Georgia Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
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 reporting 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I was a victim to these scams, and when I sent the money to the scammers, not once was there a warning telling me to make sure this was going to the right person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Product: Student loan

This compliant is being filed against ACS Education Services ( ACS ). 
My private student loans ( XXXX loans serviced by ACS ) were recently consolidated and refinanced with a new lender ( XXXX XXXX serviced by XXXX ). Funds were transferred by XXXX to payoff the loan on XXXX/XXXX/2015. Due to the time involved in the application process, the amount of the payment by my new lender exceeded the loan balance with ACS in the amount of {$630.00} XXXX XXXX used the payoff balance as of the time of my application, which did not account for recent payments ). 
Following the payment, ACS deducted an additional {$560.00} from my bank account - apparently they had not yet cancelled the auto debit in spite of the loan having been paid off in full. Thus, my loans were overpayed by a total of {$1200.00}. 
I called to discuss the overpayments with ACS. On XXXX separate occasions I was told that funds would be returned to either me or the new lender ( and applied to the principal balance ), and that the process would take a total of XXXX days. It has now been XXXX days, and the {$1200.00} has not yet been returned. 
I contacted ACS today XXXX XXXX/XXXX/2015 XXXX for a third time requesting a status update. As of today I was told that they need to issue a new request to the department that handles payments/reimbursements, and that the process will take another 30 days - I have already waited XXXX days, much longer than the promised XXXX. During this period I have been out of pocket the {$560.00} that was sent to ACS ( and am still expected to make payments on time to my new lender ), and what 's more, my newly consolidated loans are incurring additional interest due to the added {$630.00} in principal on the account.
Product: Debt collection

I began receiving phone calls from United Collection Bureau regarding an alleged debt that I am unaware of. 

The phone calls are before XXXX and sometimes after XXXX. In a 7 day period I have received over 10 phone calls, sometimes being called twice in one day. Ive been bombarded with phone calls and voice messages. 

I have received no explanation for the debt and have never received an account number via paper mail or any type of notice from the company but have only received demands for payment.