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

On XX/XX/XXXXXXXX  I wrote a letter to Transunion stating that I had been a victim of identity theft and there tradelines and inquiries on my consumer report that I didn't authorize. 

On XX/XX/XXXXXXXX  they sent me a letter stating that my request that my request to block and delete the unauthorized accounts & inquiries due to the following reasons : In accordance with Section 605B of the FCRA, we have determined that your request has either a ) been made in error ; b ) is a misrepresentation of material fact relevantt o the request toblock and/or c ) you have obtained possession of goods, services or money as a result of thetransaction issue. 


My request to block and delete those unauthorized accounts & inquiries was not made in error. The request was written by me and it wasn't done in error nor was it a material representation. Nor did I obtain goods, services or money as a result of the transaction issue. 

If I did received goods, services or money as a result of this transaction issue please have a senior executive or someone with who has first hand knowledge of this transaction issue to certify under the penalty of perjury that I have in fact receive goods, services or money from this transactions. 

If you can not then it is hearsay and allegation with no substantial proof. 

Also pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) my consumer report is not supposed to include any transactions between the consumer and the creditor furnishing the report. And also pursuant to 15 USC 1681a ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; IS NOT SUPPOSED TO BE INCLUDED IN A CONSUMER REPORT! You are commiting fraud and breaking Federal LAW! NOR DID I GIVE YOU A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT FOR ME. THAT IS FRAUD! 

The following unauthorized accounts have been identified on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF WE CAN NOT COME TO A REASONABLE EQUITABLE SOLUTION TO I, THE CONSUMER THEN I WILL BE FORCED TO TAKE LEGAL ACTIONS AGAINST THIS COMPANY WHICH WILL WOULD BE UNDOUBTEDLY UNADVANTAGEOUS FOR BOTH PARTIES GIVEN THE POTENTIAL COST FOR LEGAL PROCEEDINGS.
Product: Debt collection

I received a collection notice in the mail, however never received a notice of right to dispute the charge. I do not have any outstanding debts and they are reporting to my credit erroneously. It appears this may be a scam to collect on debts that are not actually owed, because i have never received service from the medical provider that they are referencing, and as such there is no reason that i would have an outstanding balance with them.
Product: Credit reporting

I have never lived in XXXX and there is an address that is incorrect on my credit report. I called the utility company that is claiming to take me to collections called XXXX and they have no accounts under my ss #. I called the credit agency XXXX credit systems and they said they have me in collections for utility bill with XXXX. They told me to file a police report. But when I check with utility company they have no record of an account in my name ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question, XXXX is showing incorrect information on my report on 3 different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. In some cases they have even updated the accounts as verified but can produce to proof of how the came to this conclusion. I request immediate investigation and removal of the items I have listed below as it is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Wells Fargo line of credit is intentionally difficult to pay to encourage consumers to trigger fees. 
After opening an account with a special no interest offer from a merchant ( XXXX  XXXX ) I received my first bill in XX/XX/XXXX For background I am XXXX, excellent computer skills and good credit. I never miss payments. First I never received the first bill from Wells Fargo and missed the first payment. No explanation from them as to why I didn't receive it since they had all of my correct information. I was charged a late fee but they reversed it. The website and process to make a single payment is almost impossible to navigate and takes 2 months to set up while they " verify '' your account. After this process you are eligible to set up automatic payments. After setting them up on the 3rd month the payment did not process because the account information was incorrect. I don't see how that's possible since I made payments from the same account previously and they " verify '' all accounts before hand anyway. This caused another missed payment. I called and was hung up on. A supervisor called me back and assured me I would not be charged a late fee. I was charged another late fee. This is intentional and I don't have enough time to spend another several hours on the phone with them navigating the difficult myriad of phone numbers and prompts required to get assistance only to be potentially again hung up. They waste your time so your pay the fees.
Product: Mortgage

Dear CFPB, I am reaching out to you because 3 months ago when the pandemic started i was affected financially. at that time i reached out to my my mortgage company ( shellpoint mortgage ) for help to lower my monthly payment since my income was affected. 
after 3 months under review shell point mortgage denied my loan modification application because i didn't deserve a loan modification since i was not enough behind on my payments and therefore i didn't deserve the loan modification. 

Now i come to find out that even though my payments were on time shellpoint mortgage has charged me {$800.00} in late fees and home appraisals that i never ordered. 

I called to speak to manager who can help me clarify those invalid fees and every time i speak to representative they keep telling me no manager/supervisor is available and they wont back until the end of the year. 

please help me since i struggled keeping my mortgage payments on time and its not fair shell point mortgage is taking advantage of me and my family.
Product: Money transfer, virtual currency, or money service

I am writing to express concerns regarding how Zelle handles disputes, particularly in reference to the CFPB lawsuit handling issues with the platform in itself. Despite using Zelle numerous times, providing feedback and reporting discrepancies my financial institution and Zelle failed to investigate claims. They have advised that recovering lost funds will be impossible and that there is no proper way to track these transactions. The CFPB findings shows that not only Zelle failed and negligence to protect its consumers but allowed repeat offenders to exploit and defraud the system leaving users vulnerable to scams. There is no accountability and transparency! It is unacceptable and raises concerns for consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, XXXX, and TransUnion are reporting accounts that are not mine and are allowing these collection agencies report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, Experian, XXXX and XXXX. 
Removal of all addresses except : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX 15 USC 1681 section 604 " states rights to consumer privacy '' Reporting agency 's can not furnish an account WITHOUT my WRITTEN consent!!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute regarding unauthorized inquiries appearing on my credit report. Despite my previous correspondence, these inquiries remain unresolved and continue to impact my creditworthiness. 

Inquiry Information : Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX  Date of XXXX Inquiring Company : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX Date of Inquiry XXXX XX/XX/XXXX Inquiring Company : XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX Date of Inquiry : XX/XX/XXXX I want to reiterate that I did not authorize these inquiries and am deeply concerned about their presence on my credit report. As a responsible consumer, I value the accuracy of my credit history and expect these unauthorized inquiries to be promptly removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance, illegally repossessed vehicle. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the vehicle was already sold over my contract balance satisfying amount and refund due to me. Capital one refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type XXXX Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Personal Loans Cos. 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Filed XXXX/XXXX/XXXX Type Miscellaneous Reptg. Agencies Phone Number Address
Product: Debt collection

Sallie Mae will not stop contacting my father about my loans. He is ill and this is completely inappropriate.
Product: Payday loan, title loan, personal loan, or advance loan

I was pushed to buying extra products relentlessly. I am called every month asking to sign up for more services.
Product: Credit card

XX/XX/XXXX I called Target to close my account. I was given the amount due and told my account would be closed after receiving the final payment. A check for {$350.00} was mailed to Target on XX/XX/XXXX, & paid by my bank on XXXX XXXX. XXXX 13-new statement with a balance of {$0.00}. XX/XX/XXXX, XXXXchecked balance to be sure card was canceled and I owed {$35.00} for a monthly automatic charge. Called the company making the charge ( XXXX XXXX ), canceled Target credit card, and gave them new charge card. XX/XX/XXXX, -sent Target check for {$35.00}, wrote '' final payment ' on the check, pd by my bank on XXXX. XXXXtelephoned Target and rep told me I owed {$0.00} and my account was closed. 
XXXX XXXXreceived statement from Target saying I owed $ {$66.00} ( {$31.00} late fee had been added ). After many hours on the phone and website, I wrote Target main office. 
XXXX received a reply saying " XXXX Account Dispute Resolved ''. and they credited me the late fee. XXXXReceived Target statement ( Late payment fee {$30.00}, Minimum charge {$1.00} ). I called the company today ( XXXX XXXX ) and talked to 4 different reps who were checking the dispute and waited for an answer, dial tone-no answer. Called again. New rep-dial tone, no answer. 
I don't know what else to do. I want to Cancel my Target Credit card. I want this charge gone & no longer reflected on my credit scores. Please help me cancel this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The accounts are being reported currently open and the accounts need to be closed. 
XXXX account number XXXX opened on XX/XX/2022 for the amount {$530.00} XXXX XXXX XXXX  account number XXXX opened on XX/XX/2022 for the amount of {$140.00} The accounts are being reported currently open and need to be closed immediately. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. This account should not be furnished on my consumer report. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked havoc on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX XXXX XXXX has inflicted undue harm on my financial reputation and stability. XXXX XXXX XXXX XXXX Balance Owed : {$1500.00}
Product: Vehicle loan or lease

As a party to the CONTRACT, I've requested the FULL ORIGINAL CONTRACT baring all parties signatures. I was never given the full contract. I've also requested the Account ledger/ " T '' Account in order to inspect the Accounts Receivable and Accounts Payable. I've also requested proof of Truth and Lending, and proof that GAAP ( Generally Accepted Accounting Principles ) was adhered to during the loan tansaction. I never received ANY of what was requested.
Product: Credit card

In XXXX 2016 I changed my banking services and proceeded to update my autopay information in the Brooks Brothers XXXX system. Previously, autopay had worked to pay the full balance of the credit card on time. When I checked my account in XXXX because I was curious about previous charges, I discovered that autopay had removed my information since Brooks Brothers had received notification that my old account was closed. Their system mistakenly removed my new autopay information. I called up Brooks Brothers who informed me that a filing would be made to remove this delinquent payment from my credit report history. It has now been three months and my credit score has dropped precipitously from the time this occurred. I have lost XXXX points of credit rating which will affect my finances for decades. I would like this delinquent credit report removed from my credit score.
Product: Debt collection

I received a call from the Valentine and Kerbatas Collection company. The representative explained to me that she had me on a recorded line, however failed to name the company on the recorded line. She then proceeded to ask me to verify my SS # and DOB. I stopped her and asked her to provide me the name of the company again before I would validate or verify anything ... the lady got very upset with me and kept saying I was on a recorded line. I told her I did n't care and wanted more info about the company BEFORE giving any of my info. She then hung up on me.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. The other bureaus have already corrected the errors I brought to their attention, yet, your bureau remains unresponsive. The following accounts are at the center of my discontent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my repeated efforts, the lack of acknowledgment and action on your part is both infuriating and puzzling. The other bureaus, recognizing the errors, promptly rectified the situation, yet your bureau has not mirrored this corrective action. It is incomprehensible to me why your bureau has not acted in alignment with industry standards. This continued disregard only intensifies my frustration. Rectify this situation promptly to avoid further escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to 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 Account name : XXXX XXXX  Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXXXXXX XXXX  XXXX Account name : 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 ( 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

Pursuant to 18usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15us 1681b 2. They also have no permission to report ANYTHING using my infomation pursuant to 15 USC 1681 4. 

I have never had an account, or written or verbal agreement with XXXX XXXX. They are reporting multiple inaccurate accounts and inaccurate information and late payments on my report. I have requested Verification of these debts in XX/XX/XXXX, XXXX, and lastly in XXXX of XXXX. They can not provide A original agreement between us or any agreement at all. I have never heard of this company nor have I got an account or debt with them. I also did not authorize use of my social security number to this agency. also i see an update that this creditor is in my collections but now listed as closed this is hindering me from buying a house as this inaccurate agency is listed on my report and as stated they are on my report multiple times for multiple acoounts where i did not authorize them to use my information.
Product: Credit reporting or other personal consumer reports

The reporting agencies XXXX, Experian, and XXXX have been posting and reporting my personal accounts without my authorization. In accordance with The Fair Credit Reporting Act these consumer reporting agencies have violated my rights under 15 USC 1681 section 602, which states the right to privacy. Also, 15 USC 1681 section 604a ( 2 ), " Permissible Purpose Of Consumer Reports '' which states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

My Regions Checking Account has been compromised due to the following unauthorized charges made via XXXX XXXX XXXX {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have spoke with representatives from Regions Bank on several occasions -- and they have concluded to NOT provide any credit to my account because all the transactions passed a " fraud analysis. '' When I asked Regions bank to provide more in depth information on the process of this analysis, they responded with the resolution that I needed to reach out to XXXX XXXX. This has been an on going issue for the past month, as I have tried reaching out to XXXX XXXX in which automated email responses have been the form of communication from this vendor.