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

I disagree with the account listed below which still appears on my credit report even after you investigation I would like this item immediately reinvestigated the inaccuracies are highly injurious to my credit score account name setoyota fin dba of wo account number XXXX In accordance with the fair credit Reporting, act, public, law 91-506, titleVI, section 611, subsection AD, Please provide the name, and business address of each individual with whom you verified.the above, so that .I may follow up, Please send me an updated copy of my credit report after you reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent account established with his information without his consent. His information was used to forge a check ( or several checks ) for a total of {$1000.00} dollars. A formal dispute of this account ( s ) was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has failed to reply with an outcome of the investigation of fraud ; which is a violation of the FCRA and my clients federal consumer rights.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXXXXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting

all XXXX credit reporting bureaus are reporting wrong dates opened and wrong balances on my credit report. They are refusing to remove past collections, and unauthorized inquires. Please help.
Product: Debt collection

The company americollect has a client they are collecting for 'XXXX XXXX XXXX '. This debt was already paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again the response you sent is not sufficient for evidence that a clear and conspicuous disclosure was given to the consumer about reporting to third party CRA 's. According to 15 USC 6802 ( b ) you are required to provide a clear and conspicuous disclosure to the consumer of your intention to share private information with a third party. In addition to this an option for the consumer to opt-out must be provided. Based on the documentation you have provided, neither of these things was provided. In addition to this you have not provided a wet signature contract signed by the consumer. Please review the letter submitted again because what was asked for was not received. Read the law and you will see you are in violation.
Product: Credit card

On XX/XX/year>2024 I purchased a XXXX tree from XXXX. I brought the tree home and it was too tall for my ceiling. On XX/XX/year>2024 I returned the product to XXXX. Ive yet to receive my refund and XXXX is refusing to help. The amount of the transaction is {$99.00} I want my money back and the issue resolved or legal action will be taken against XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer and I am submitting this complaint without any influence from a third party. Please see attached documents and ID as it contains my full complaint and related information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has yet to mail me verification that this debt belongs to me. I have sent them a police report as confirmation of identity theft yet they claim that they conducted an investigation and denied my identity theft claim. I called them directly asking for proof of their investigation and that this account belongs to me. It has been over a month and they haven't sent me anything. I am asking them to stop harassing me and my credit and stop reporting this incorrect information to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the below accounts has violated my rights : XXXX  - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXXXXXX XXXX  - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Partial Acct # XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Partial Acct XXXX XXXX 15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Discover reduced my credit line without asking what my current income is or asset amount.
Product: Checking or savings account

Welll Fargo has wrongly accused me of fraud and scam and went a closed my personal checking accounts seized my money that have in the account and has told me that I have to wait until XX/XX/XXXX to get a check in the mail while I have family to feed .That has caused me a lot of damages emotionally physically and financially.I have keep calling them multiple time until I went to the branche in XXXX MD and the manager help me to overdraft my money..They illegally closed my personal checking account and my savings also my business account
Product: Checking or savings account

Dispute Nunber XXXX Someone used my card when I first got it and took XXXX  dollar out on XXXX XXXX after that all the other ones was me and I guess I didnt notice I want my money back chime. I will fight it in court if I have to
Product: Debt collection

Put in several disputes. Call the company and the debt is owed to a company that no longer exists. XXXX closed XXXX of XXXX. This third-party collection company has a date of XX/XX/XXXX. They refused to put a human on the phone and have not sent any of the paperwork that I requested. The company is called Jefferson Capitol. This had been removed last year from my XXXX XXXX credit report. It now seems like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information through XXXX, XXXX AND EQUIFAX. All XXXX refuse to reply to the dispute letters. It has been XXXX  month of sending letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is not correct and is being reported wrongly.
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 of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that regarding lost funds was impossible and that tracking these transactions was unnecessary. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenses to exploit the system, leaving users highly vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/24. PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an elderly, XXXX female and I signed up for a COVID19 related program with XXXX XXXX XXXX. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter.

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My citi card still shows as negative on my reports despite being closed years ago with no balance
Product: Mortgage

I had mortgage since XXXX with Wells fargo and they illegally foreclosed on it on XXXX. 

I was entitled to a modification and I was also lied to and dual tracked and not given a date or noticed. 

I also WAS OWED SURPLUS MONEY IN EXCESS OF XXXX and this money was STOLEN BY WELL FARGO AND THEY LIED ABOUT IT.
Product: Mortgage

This company does not offer any options internally to make biweekly payments nor do they accept " partial '' payments to be AUTO-DRAFTED bi-weekly from my personal checking account. 
I called today and spoke with a customer service representative who said I had no other options. I asked to speak to someone so I could make a record of the request to consider this option and she said there wasn't anything they could do and she knew that wouldn't help. 
I know banks are in the business of making money, but seriously I wanted to attempt to save money, pay upfront a month, and initiate bi-weekly payments and was offered no options. Unacceptable. This company should have a bi-weekly mortgage payment program for its customers.
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have reached out to all credit bureaus and mailed them all the necessary paperwork in addition I have added screenshots to prove the inconsistencies. Please remove these per US law.
Product: Checking or savings account

opened an account with Capital One with offer code XXXX -- the terms was to deposit at least {$50000.00} in new money, with NO cumulative balance required ( copy of terms attached ). I fulfilled this requirement, and confirmed with Capital One representatives that I had completed the requirements. The representative confirmed, and told me I just needed to wait 60 days from completion and the offer would be posted ( confirmation attached ). I have not received the bonus payment even after the required wait period.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  has been on. My file for 7 years and 7 months its been paid and should no longer be on my file
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! TransUnion and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for XXXX years now, can anyone just do their job?
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help as an elderly person on exempt income who has been played on so many levels and being ignored when I send letters to all these collection agencies, credit reporting agencies and lawyers over 6 months now back in XXXX and XX/XX/2022 of the alleged debts. There has been ZERO responses but harrassment from collections agencies that only caused me stressors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for this consumer reporting agency to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER PL, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

This is what was sent to each credit bureau : Equifax, XXXX, & XXXX Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. 
According to the Gramm-Leach-and-Bliley, Also known as the Financial Services Modernization Act of 1999, Debt collectors are Financial Institutions. Why is this important? Let me explain. 
According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

I bought my home in XXXX of 2021 and in several times this year, I've asked my mortgage company to provide the necessary steps to remove my PMI. They continually do not follow thru and I have no received any type of letter to remove my PMI. They claim they have sent something but provide no proof and claim this can only be removed with a physical letter vs anything via email. 

Best, XXXX XXXX
Product: Checking or savings account

Since XXXX I have deposited more than 5 checks already in my bank from my job, They do not offer direct deposit. Ever since i started depositing the checks they continually enforce a 7 day hold, and time and time again im told the amount would reduce after the 2nd deposit but it does not. It is not right to hold somebody 's paycheck for over {$1000.00} and not even offer me a dollar from my own check for a whole 7 days. PEOPLE HAVE BILLS TO PAY!
Product: Mortgage

During the process of doing an assumption of a mortgage loan with Penny Mac, they pulled my credit twice within a three ( 3 ) month period. This was not needed, acknowledged as an error by their employee XXXX XXXX XXXX # XXXX, yet never removed from my credit bureau and is reporting as showing until 2017.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), an XXXX XXXX XXXX XXXX  under the account number ( XXXX )XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 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 FICO 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 # ( XXXX ) as proof from the XXXX 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

MicroBilt has violated my federally protected rights under the FCRA. MicroBilt infringed upon my rights to privacy violating 15 USC 1681. MicroBilt did not have permissible purpose to furnish my non public information violating 15 USC 1681b. Microbilt also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy as required by Congress. Due to your inaccurate and illegal reporting, I was denied for credit for information you infringed upon that is non public information. Microbilt employees/agents is using my consumer report with XXXX means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are now on Notice to Cease Communication from me from all mediums including my consumer report.. Failure to Comply will result in legal Matters in Federal Court with a jury trial for all damages sustained from your reckless reporting.