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

On numerous occasions, I reached out to Equifax regarding inaccurate information reported on my credit profile. I filed disputes directly on their website, sent dispute letters via mail, and even authorized a third party to dispute on my behalf, all to no avail. Equifax blocked and refused all attempts to verify the information on my file. When I attempted to file a dispute online as instructed, I received an error message indicating that this account had been disputed in the past. Despite sending disputes through certified mail to Equifax, I have never received any communication or updates regarding my disputes, nor has my credit report been updated. When I authorized a third-party agency to dispute the negative accounts, Equifax outright refused to conduct an investigation or verify the inaccurately reported accounts in my file. As a result, Equifax has allowed debt collectors and companies with whom I have never done business to obtain copies of my report without my permission. These entities are reporting false and misleading information on my report, and Equifax has refused my requests to investigate. They have also neglected to provide documentation explaining how the debts were verified, and they are blocking my access on their site to file disputes for these incorrectly reported accounts. Furthermore, they have failed to send documentation by mail detailing the results of these investigations and how they were verified with creditors. Recently, I discovered from a loan company that Equifax has been selling my personal information to creditors without my consent or knowledge. This constitutes multiple violations of the law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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.

UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Repeated attempts to ask for amortization schedule and proof of escrow payment disclosure. 
No reply after multiple email Attempts and actually hung up on the XXXX time I tried to call for this request in XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$7400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to them a sent proof on several occasion. All three credit reporting a bankruptcy on credit report and said that XXXX XXXX provided them with this information. I have been in touch with XXXX XXXX and sent proof from XXXX to the agencies that there is no bankruptcy on file for me. I need for all the credit reporting agencies to remove this reporting.
Product: Credit reporting or other personal consumer reports

I have disputed this information with the company itself previously and they have not removed the unverified and unauthorized inquiries from my credit report. I REVIEWED MY credit report and see there are some unauthorized inquiries reported that needs to be removed. According to the FCRA section 611 ( 15 USC 1681i ) these unverified and unauthorized items must be removed immediately. Under 15 USB 1681b credit reporting agencies can only furnish consumer reports to those who have permissible purpose as defined by the FCRA. This is considered identity theft accessing my credit report without my consent. This item needs to be removed or they will be held liable for damages in the amount of {$1000.00}. I am using CFPB to ensure compliance with consumer reporting
Product: Debt collection

We were looking at our XXXX credit report on XX/XX/26 when we noticed an Exeter Finance account that we have no recollection of signing up for, apparently back in XXXX. Exeter Finance has been incorrectly stating that we owe them money on an " auto loan '' account, which was apparently repossessed. However, Exeter Finance never gave us any money to actually purchase a vehicle, they never sent us a check to go purchase a vehicle, and they never deposited any money into our bank account to purchase a vehicle. Since no auto loan transaction ever took place between Exeter finance and me, this account can not be valid in any way, shape, or form. 

However, when we tried disputing it on XXXX, they incorrectly validated this account as being legitimate, despite having no contract stating that this was an auto loan. No contract, no bank statements, no payment information, and when we tried to contact the company they immediately hung up on us after giving our information. 


This XXXX  Auto lender has falsely accused of owing them money and tanking our credit score along with it. We do not take this lightly, and we have demanded confirmation of this debt to which Exeter Finance has given us no reprieve. We even tried suing them in small claims court, in which they did not show up.

This repossession is invalid, illegitimate, and will be taken off our credit report due to the other lack of confirmation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 we received a letter from Loan Depot that we have been approved for VA Partial Claim when we come out of forbearance. We received paperwork from Loan Depot stating to sign and return paperwork. We sent the signed paperwork back immediately in the XXXX  envelope they asked us to use. On XX/XX/2022 we received paperwork stating our loan has been transferred to LoanDepot Texas from LoanDepot NJ. When it was time to make payment I had to call LoanDepot and make the payment because I was unable to make it online. A female from LoanDepot said your paperwork is in process and I can take the payment over the phone. I paid over the phone and customer service said I will escalate this issue. Next month came and tried to log-in for my loan to pay and could not. I called customer service and she said this issue has been escalated and just give us time. We are behind in processing paperwork, but I will take your payment over the phone. XX/XX/2022 I received a letter from LoanDepot stating we have defaulted on the loan and please contact us right away and email XXXX for questions. I emailed that person on XX/XX/XXXX at XXXX and never received a response. I called LoanDepot XX/XX/2022 in the morning and spoke to XXXX and he ensured me it was paperwork issue and be patient. I continued to make payments. In XXXX our credit took a hit from LoanDepot stating we were over 120 days late. I called again and spoke with XXXX and she first was trying to say that LoanDepot was not wrong about reporting us to the credit agency. Then she said hold read the file and said wow your paperwork is still in transit from XXXX. I am going to escalate this to my supervisor this is our issue and I will call you back by the end of the week. I never received one call from XXXX. I called again and spoke to a gentleman on XX/XX/XXXX because I never heard from XXXX. The gentleman stated they are working on the issue and I do not have to call back so many times. On XX/XX/2022 I received a letter from LoanDepot a notice of intent and I called an spoke to XXXX on XX/XX/2022. She said the issue is escalated and because we are in this stage she could not take payment from me. I told her I never received any statements and only receiving late letters. She emailed my statements from XX/XX/2022 to current on XX/XX/2022. She advised me to fill out Mortgage Assistance Application and email it to XXXX to start another process. She said loss mitigation has declined my claim that I was never late for a payment. They did not consider the issues I had work mailing the first set of paperwork and all the calling in I did. I emailed what was asked for on XX/XX/2022 and no response from LoanDepot as of today. On XX/XX/2022 I finally received VA partial claim paperwork sent to me again from LoanDepot to resign and mail in with the XXXX envelope provided. I did it again. I have not heard from LoanDepot at all unless it is threatening letters stating my house can be foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Checking or savings account

I placed an order with XXXX and then found my identity had been stolen, most likely by the company XXXX later deemed to be fraudulent, and funds totaling {$9500.00} were withdrawn from my US Bank account. I filed a claim with US Bank, who did not send the forms, as they advised would be sent, relating to the claim, and without hearing the details of my claim, closed the claim, to my detriment. The monies that had initially been refunded to my account, by a third party, were then reflected as a reversal of a US Bank credit. It appears US Bank is claiming the monies returned by a third party. I explained I had not received calls regarding the claim, nor the return calls of supervisors, as I requested, on XXXX separate occasions. I was then advised by US Bank that they had returned my calls on specific dates and at specific times. I reported to US Bank that I have phone records indicating otherwise. I was initially refused the option to appeal and reopen the claim, until I explained I could prove they did not act as they stated they had. The claim was then reopened. Once again, I was advised I would receive paperwork, but no paperwork was sent. The funds were deposited to my account, this time, as a deposit. Today, I received a letter stating US Bank has determined the transactions were authorized. THEY WERE NOT AUTHORIZED AND THE TRANSACTIONS WERE FRAUDULENT. US Bank claims this was based on account history and pattern of use. I NEVER authorize the deduction of and/or spend this much money, all at once. US Bank further advised in their correspondence that any closed accounts will be reopened, so that I may be charged. If US Bank were to really look closely, theyd find Im an excellent customer, holding XXXX accounts, all in good standing. Some of these accounts were opened by US Bank, without my knowledge, or consent ( promises of a better rate on what they lead you to believe is your existing account, only to open another account ( obviously, there is some type of employee bonus or compensation in reference to these practices ), and an overdraft account application ( account was opened ) hitting my credit, without my consent ). Clearly, there are unscrupulous actives occurring within US Bank. I will take this to court, should this affect my credit score and/or if I am placed on XXXX, or should I be held responsible for these funds. I am fully prepared to take legal action if this is not rectified. I have been denied Duty of Care, as breached by US Bank. US Bank fabricated a narrative, stating a fallacy when they incorrectly allowed the withdrawal, with no alerts sent to question these large transactions, and when the transactions were outside my pattern of spending. US Bank falsified the findings of my authorization and pattern of spending and, once again, Duty of Care has been breached.
Product: Credit reporting or other personal consumer reports

I've attached a few of my last disputes. The investigations have not been done properly. I asked for proper investigations and made it clear that eOscar is not an appropriate method of completing the two. The errors remain, continuing to make my consumer reports have multiple errors and not be uniform across the board. I have a standing cease and desist with the creditor ; however, it has been acknowledged and ignored. Repeated Charge-Off Reports : This XXXX  XXXX account is inaccurately reported with monthly charge-offs, re-aging the debt illegally. This constitutes a clear violation of 15 USC 1681c ( b ), necessitating its removal. Every time the charge-off is updated, the " on record until '' date changes. One report shows on record until XX/XX/XXXX, since the most recent charge-off update for XX/XX/XXXX, the on-record date is now XX/XX/XXXX, thus proving the illegal reading of the debt. 
Moreover, the investigations have not been done properly or in a timely manner. There is a dispute from XX/XX/XXXX that still has not been resolved. The XXXX XXXX  account was updated in one report dated XX/XX/XXXX to " discharged in bankruptcy in XXXX '' when the disputed bankruptcy on my consumer report shows it was filed in XXXX. This is clear that the creditor is being deceptive in reporting and further proves Transunion took 30+ days the allow eOscar to review and verify this information. The account can't be discharged in bankruptcy, and then be updated to paid and closed. This constitutes a clear violation of 15 USC 1681c ( b ), necessitating its removal. Initially, I was demanding the removal of the unverified late payments for the XXXX XXXX and XXXX XXXX accounts. Now I'm demanding the accounts be removed from my consumer report immediately for gross, willful continuation of reporting unverified, unlawful, false, and inaccurate information. This constitutes fraud on Transunion 's behalf. I've attached proof. 
I'm not sure what to do next other than arbitration/litigation. 
What can be done by the Consumer Financial Protection Bureau to assist in removing these accounts?
Product: Payday loan, title loan, or personal loan

Possibleff this account in XXXX. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.
Product: Checking or savings account

-I called Wells Fargo on XX/XX/22 to alert them XXXX checks I had mailed did not make it to recipient -I researched on the Wells Fargo website and it said for lost or stolen checks, there would be no fee to stop payment on a check, as it is no fault of mine as the consumer that a check got lost/stolen in the mail. 
-I called the XXXX number for Wells Fargo and requested to stop payment on check as it would have to be considered lost or stolen since it was mailed and not received by intended recipient. 
-The customer service rep originally tells me there would be no fee given the circumstances, confirming what I read on their website. 
-The rep put me on hold and returns telling me different information. The rep said she she spoke with a supervisor & I was going to be charging me XXXX fees of {$31.00} dollars, for a total of {$62.00} because it was XXXX checks, despite these checks being lost or stolen, not by own doing. She also said she could not guarantee the stop payment even after being charged the fee. 
-I said I was trying to do right by the bank as a consumer -- I know if a check is stolen and cashed the bank is liable to reimburse me if illegally cashed but I rather stop payment on the check than make the bank liable if it was cashed by whoever stole the check. I then said I was told by the rep there would be no fee and now I am being told there is which is poor customer relations. 
- I was then told there was nothing they can do to help me nor would they waive the XXXX stop payment fees.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to you with regards to the recent credit inquiries listed on my credit report. After reviewing my credit report, I have noticed that there are some inquiries that I did not authorize nor recognize. I am formally requesting the removal of the following inquiries from my credit report : Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX dated XX/XX/2023 Inquiry from XXXX XXXX dated XX/XX/2023 These inquiries do not reflect any credit applications or actions that I have taken, and therefore, they are incorrect and unjustified. I have not authorized any institutions listed above to access my credit information during the mentioned dates. 

I understand the importance of accurate credit reporting and the impact it has on my financial well-being. These erroneous inquiries could potentially harm my XXXX XXXX and affect my ability to obtain credit in the future. Thus, I kindly request that you promptly investigate these inquiries and remove them from my credit report. 

Enclosed with this letter are copies of my credit report highlighting the aforementioned inquiries for your reference. Additionally, I have included copies of my identification documents to verify my identity and facilitate the investigation process. 

I appreciate your prompt attention to this matter and request that you inform me of the outcome of your investigation once it is completed. Please provide me with written confirmation once the unauthorized inquiries have been removed from my credit report. 

Thank you for your cooperation and understanding in resolving this matter promptly. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns requiring Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant tissues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate adequately leaving me at a loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account XXXX XXXX XXXX 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 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.