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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting

There is an account for XXXX DVD that has been sent to collections. This account is not mine as I have never ordered anything from them.
Product: Checking or savings account

According to 12 US code 1431 Banks and Banking. Deposits were withheld and I was not given access, It caused hardship and jeopardized my welfare, and pursuit to happiness. I could not access the funds/credits that was deposit on a weekly time frame. I am expecting a Full Investigation
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me at all. I've reached out several times and no one seem to get back with me with the proper documentation. The company XXXX XXXX should have fallen off my report by now. It's been reporting false information for the past 7 years. The credit bureaus refused to update my report with the correct information. I've never had a car repo from me. I was never in possession of a car from either company. This is causing me financial hardship for myself and children with this inaccurate information listed. I'm asking that you all do your investigate and remove this negative info from my name! Please update all personal information as well to what's listed on my current ID, which ave been my address for over 10 years now. You all are VIOLATING MY RIGHTS and its not fair!
Product: Credit reporting or other personal consumer reports

- The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Product: Mortgage

Good Morning, Today I ask for help, because I 'm trying to do the modification of loan, a few years ago with NationStar mortage, all because my rate this very high XXXX ( rate ). Already sent the documentation for them as not reach my goal.Find a lawyer who promised to help me.Make paid like it, she Recommended then she disappeared with {$3500.00}, and i have the receipt from the bank. Then I return to square XXXX .Find another lawyer who did all procedures, which also failed to further discovered that it was doing wrong according to the bank. In short I am in Foreclosure sale for XXXX/XXXX/XXXX at XXXX XXXX I need help because I do not want loose my house. Because in XXXX my house bought the same {$500000.00} and gave XXXX. I do not have anything, only my home. They can help me need urgent.Please. 
Every lawyer contact me saying going to help is Scam.URGENT
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to inform you that I have been a XXXX XXXX XXXX XXXX  and therefore I am challenging the reporting and compliance of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CREDIT ACCEPTANCE CORPOR XXXX Balance Owed : {$21000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with XXXX XXXX in early XXXX, and they have yet to update the three credit reporting agencies. The debt was paid as agreed in the settlement. The balance is XXXX, but is still being reported at over {$2000.00}
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi, My auto loan was paid off in full on XX/XX/2021 and in XXXX I received a late payment alert from Transunion. I contacted XXXX XXXX and Tran union bout the issue and provided receipts from my bank statements showing I never missed a payment &, copy of the check from the insurance company. 

I also sent a copy of the refund check of {$120.00} from XXXX because I was still paying my car note even AFTER my insurance company paid XXXX XXXX because I was told by a XXXX XXXX represenative that they had to update my account and that I still had to pay up until they did. This error has affected my credit scores and trans union and XXXX has not been cooperative. XXXX is lying saying I owe {$410.00} and I do not.
Product: Debt collection

XXXX {$660.00} Date XX/XX/year> ; I contacted the company and dipute these accounts valid and the company should remove them. They did nothing. These account should be deleted.
Product: Credit reporting or other personal consumer reports

Good afternoon I used to have a joint account auto loan with XXXX XXXX which I paid on time since XX/XX/XXXX always on time. Unfortunately, the car was totaled on XX/XX/XXXX due to weather and XXXX XXXX told me through the phone that they would get in contact with the GAP Insurance XXXX XXXX ) to charge them any difference. Effectively they did but it was not resolved on time showing in my account two late payments XX/XX/XXXX and XX/XX/XXXX, before the account got fully paid by the GAP Insurance and later closed. I have asked them to remove those two showing late payments but they told me that I need to talk to the bureaus and the bureaus keeps telling me that I need to talk to XXXX XXXX. They had me back and forward until I decided to reach the CFPB to help me solve this situation. Thank you in advance!
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.

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: Vehicle loan or lease

Purchased a car from carmart and would not fix car when asked so missed one payment and acct rep sd they were taking us to court and going to garnish our checks. Was rude and saying rude things.
Product: Credit card or prepaid card

Late Fee charges I was charged 10 late fee charges from XX/XX/XXXX to XX/XX/XXXX I believe all in error. I will attach the records that show that when i set up the account. Payments were to be set up after the XX/XX/XXXX. And the records shows that on the earlier dates there were payments on the XX/XX/XXXXwith no late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, XXXX Experian XXXX has failed to respond. They have violated the FCRA in that it has been more than 30-days.
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 U

SC 1681. 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: Debt collection

the companies that are not responding are : SYNCB/XXXX I have written and mail out validations and complaints to the 3 bureaus and the creditors to validate these inaccurate and I have yet received a response from these companies to in letter form to show case my debt. I sent letters out on XX/XX/2021,XX/XX/292021 and XX/XX/ to validate and to reinvestigate these inaccuracies and yet I still haven't received any letters.
Product: Credit reporting

my credit report lists a lien, concerning which I have no knowledge. 
I was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX the company and credit claimed they done an investigation But that can't be possible when I have no consumer reporting company any WRITTEN INSTRUCTIONS to do so ALL COMPANY AND BUREAS INVOLVED IN THIS MATTER IS IN VIOLATION OF THE LAW!!!!!!! 


XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XX/XX/XXXX Credit limit {$800.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request FCBA dispute resolved - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

On  XXXX / XXXX /  XXXX   I obtained my credit report from  XXXX   XXXX   XXXX  in attempt to qualify for a mortgage. I noticed that on my accoun t National Credit Systems is   reporting  XXXX  collection account.   One   for {$4000.00} and another for {$500.00}. On  XXXX   XXXX  I disputed these account with the credit bureaus and the account was removed. The accounts are now back on my credit and affecting my ability to obtain a mortgage. I have advised this company numerous of times that this is not my debt. They have failed to respond.
Product: Money transfer, virtual currency, or money service

following the claim number provide by wells fargo is : XXXX regarding unauthorize electronic payment amount of {$37000.00} which i've contract wells fargo several in since the issues happened. They try to help me set up my new account number and file a claim. which is good. 

then right after a week till today ( XX/XX/year> ) I finally got the letter from the bank about my claim. Here is what they stated : " we have completed our research of your inquiry about the charge of {$37000.00} on your account above, and found the charge was an AUTHORIZED electronic payment from your account. please consider your claim closed '' - we are not able to reimburse you because the rules for these types of payment do not allow us to reverse authorization after the payment has been made. 
- we recommend you contract the merchant directly to resolve this matter. 


Here how i wasted the time and money. which is im not the person who make this up. 

It really not fair. I do not wan na hear any apologize on this. I need my money back that was lack from wells fargo security system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just simply have been a XXXX XXXX moving around traveling and living at different apartments, and i have like 5 different addresses reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at.

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.
Product: Student loan

i am currently unemployed and can not make payments on my private loans. I have enrolled in the income based repayment plan for my federal loans and that is {$0.00}. I have on numerous occasions tried to speak to them about some type of repayment plans or deferment or something to if they could help me, eac time they just tell me NO, the minimum payment they will accept a month would be {$170.00}, unfortunately I dont have that. Then they ask if any amily or friends will make my pyments for me. That is a joke. I just need some understanding help.
Product: Mortgage

This complaint is with regards to Flagstar Bank. 

Flagstar.com XX/XX/XXXX payment was taken from my account. XX/XX/XXXX the bank drafted 2nd payment. On XX/XX/XXXX The bank collections department called and threaten to Foreclose my home for non payment. 

On XX/XX/XXXX they send statement stating that none payments were made. On XX/XX/XXXX they drafted a payment for the month of XXXX. All three months have been taken out of my bank account but the bank claims that no payments were made. 

After 2 hour conversation finally the bank figured out that they have been taking out payments and stated they will fix the matter. 

It is XXXX and I continue to get calls from Flagstar bank collection department treating me to foreclose on my home for non payment. I explained that they have withdrawn payment from bank account. They have been treating me over the holiday to foreclose on the home that I have made payments on. I have all proof of payment taken from my checking account. The customer service manager of the bank has no idea why this is happening. 

My mortgage payments with original Leander were less by {$300.00} then they are now with Flagstar. 


Flagstar has been very aggressive with regards to foreclosure on my property on which I make timely monthly payments on.
Product: Money transfer, virtual currency, or money service

My balance XXXX peso, in us currency XXXX, i recived the payment in online tutorial XX/XX/XXXX XXXX us dollar in paypal, transaction XXXX
Product: Mortgage

On XX/XX/2022, I received a decision from Silicon Valley Bank regarding a conventional home loan application. The bank did their due diligence and checked my credit, collateral, and ensured that I had the funds to qualify for the loan. Silicon Valley Bank denied my application solely on my immigration status and the fact that I only possess work authorization. I am a XXXX  recipient and despite that I told the bank rep that each immigration situation can be very unique and the bank should consider that, they still denied me. My understanding that one can not be denied on the basis of XXXX XXXXXXXX, religion, national origin, XXXX, marital status, or age. I do not believe that the bank is exercising sensible policies in lending. I am a first-time homebuyer and from a historically underrepresented population. I find that their practices are not advancing lending for people from underrepresented communities and not abiding by the CRA. I hope you can help with this decision as there was no other reason for Silicon Valley Bank 's denial.
Product: Debt collection

Alliance One has been repeated calling my home for the past few months looking to collect a debt for a person called XXXX XXXX XXXX. At first tried, I just selecting the option on the recorded message they leave that says I do n't know this person. That did not work. I then called them and informed them that I do not know that person and do not know how they can contact that person. I was informed they would remove me from that record. Yet just yesterday ( XXXX/XXXX/2016 @ XXXX ), I received yet another call from them. I called yet again this morning ( and recorded it ). I told them once again that I do n't know the person. They told me I would be removed from their calling lists. Though at this point I have very little faith they will actually remove me. 

This is causing my a lot of anxiety. I never know when they 're going to call as they have called from different phone numbers and they call at all times of the day, often waking me up on weekends. I do n't think this is acceptable business practices.
Product: Credit reporting or other personal consumer reports

'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

I never had a contract with this debt collector for any debt. 
PLEASE REQUEST FORM 1099C FROM THE DEBT COLLECTOR
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX- have all filed to properly investigate negative items and closed accounts as requested on my accounts ( ally financial ) Which has had a negative impact on my ability for home loan approval and Improperly reinserting inaccurate information on consumer reports even after i have completed FCRA investigate in 2024 with no resolve.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of the 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 institutions and Zelle failed to investigate my claims adequately.
Product: Debt collection

Bank of America ; what name the banker who witness me sign application to open up account? If you do not have witness, I am request you deleted this account.
Product: Credit reporting or other personal consumer reports

I am writing to the CFPB to request the XXXX XXXX account be removed from my credit reports due to inaccurate information. 

On XX/XX/XXXX, I reviewed my credit reports and noticed XXXX XXXX was reporting two different last activity/account closure dates. 

XXXX reporting the account closed XX/XX/XXXX and Experian reporting the account closed XXXX XXXX, a XXXX-week difference. 

I disputed the accounts to Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
The results returning for Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Despite both bureaus conducting investigations, the disputed information remains the same while other account information was changed. Which begs the question, is this information true and correct?

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) 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. 

According to 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I am in the process of purchasing a home for my family and having this incorrect information on my credit reports is hurting me. Please remove this inaccurate information from my credit reports as soon as possible.