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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be resolved as soon as possible. 
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 or other personal consumer reports

I have several inquiries reporting on my credit report that I did not authorize. I called the credit bureau to be placed on hold for over XXXX minute and then the line disconnected. 

These are the inaccurate inquires are as follows : 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: Credit reporting or other personal consumer reports

So I didn't start worrying about credit until I was in my middle XXXX. I'm currently XXXX XXXX XXXX and when I turned XXXX I wanted to open a business and it was a difficult for me to get funding due to the fact I was told my credit report was bad and had a lot of negative items on them. So I started learning about my credit report and I noticed that I never had the credit cards or vehicles or phones or loans that were showing up on this report. So I kept studying and learning about the laws regarding credit reports and how to get these things off so I can establish some sort of credit. I found out the charge offs were the worst and I had XXXX of them XXXX with Chrysler Capital that started in 2013. I watch XXXX videos and also read a lot so I couldn't afford to have somebody do this for me so I started getting these items off my report myself and I filed reports with the identity theft.gov Federal trade commission I've made police reports and most of the stuff has been removed but this charge off has been very difficult with Chrysler Capital and XXXX XXXX. I've taken the necessary steps and their stonewalling me. I might need these items off my report so I can move on with my life.
Product: Debt collection

I sent all EQUIPMENT back to XXXX XXXX XXXX. And CREDENCE RESOURCE MANAGE is still trying to make me pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute in regards to inaccurate information being reported in my credit report. Below are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXX 5. XXXX XXXX
Product: Debt collection

A couple of months ago XXXX informed me of a new debt. I saw there were two debts from a company called : XXXX XXXX XXXX for a total of {$4700.00}. I immediately filed a dispute since they debts are not mine. Unfortunately, the dispute came back from XXXX as accurate information. This urges me to begin considering that this is criminal activity. I do not have these debts. I tried calling the company, but there is only a message that says, " Goodbye ''. The number listed on XXXX XXXX contact form is XXXX. 

I'm convinced this is criminal activity. It's some strange deferred payment loan which I've never had.
Product: Checking or savings account

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 XXXX XXXX XXXXXXXX OPENED ON XXXX, XXXX XXXX XXXX XXXX OPENED ON XXXX, XXXX, XXXX
Product: Checking or savings account

XX/XX/23 @ XXXX Aid # XXXX Term ID : XXXX Card # XXXX Sequence # _ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

I deposited {$3000.00} ( XXXX, {$100.00} bills ) into the ATM, the atm gave me a receipt saying " To be sure your deposit went through, please call us at XXXX ''. The screen turned red and said this atm is no longer taking cash deposits. the ATM didn't spit out the money while I was sitting there. 

I called next day, and opened a claim, and they also told me they'd credit my account my account, but never did. 

After another phone call the next week, I was advised there were no updates, and that I need to fax over the receipt with the claim number. 

On Friday, I went to the bank to have them fax the receipt and waited for updates. 

On Tuesday XX/XX/23 I called again to ask for an update, I was told the claim has been closed and they were not able to locate the funds. I was told there's nothing else the bank can do to help, I asked for video footage to see if the atm spit the money back out at a later time, but they told me I would need a subpoena. I asked if there is any insurances that would cover this, I was told no as well. 

At this time, I'm out XXXX and I'm not sure what else to do. 

Can you please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX DOB : XX/XX/XXXX SSN : XXXX To Whom it May Concern : 15 U.S. Code $ 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 resulted from an alleged identity theft, no 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 identity theft!! Please delete these items IMMEDIATELY! 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 report under 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 l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXXXXXX XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$610.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$940.00} Date Opened : XX/XX/XXXX Account Name : Dept of Ed / XXXX Account Balance : {$200000.00} Date Opened : XX/XX/XXXX Account Name : US Dept OF EDUCATIONXXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept Of EDUCATION XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : US Dept Of EDUCATION /XXXX Account Balance : {$0.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Balance : {$180.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX has violated my rights by reporting a late payment for XX/XX/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 an account without my written instructions. 
15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Please update my XXXX XXXX XXXX XXXX XXXX Acct # : XXXX, account to Paid as Agreed/ Never Late. 

Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Balance : {$30000.00} Date Opened : XX/XX/XXXX The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting account Ford Motor Credit XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Product: Credit card or prepaid card

Hello. To whom it may concern, i XXXX XXXX logged into my wayfair credit card account to sign up for payment arrangements in XXXX XXXX. With no knowledge that Wayfair as a company simply closes your account if youre ever behind & have to set up a payment arrangement i agreed to pay {$50.00} every so often. Not only did they close my account after i set up payment arrangements Wayfair reported to the credit bureaus that I the consumer closed my account which is false! They're telling me it was in the disclosure paperwork online. I never saw it say scheduling payment arrangements would close my account. im very furious as this is not fair to me as a consumer. I scheduled payment arrangements and was able to XXXX my balance before the ending of the scheduled payment agreement. ive never heard of any company closing your account because you have to set up payment arrangements. This exact information was shared with me by XXXX XXXX id # XXXX who refused to let me speak with anyone else to confirm what she had said or even to help me resolve this further. I the consumer never closed this account I only set up payment arrangements to pay off my XXXX balance. XXXX again expressed to me that its their policy to close the consumer account if payment arrangements are made. This is NOT FAIR. Also this should be BROADLY ADVERTISED that Wayfair doesnt offer payment plans to catch up on your balances, but only to take your money to pay off that current balance and then falsely report that the consumer themselves has closed the account.
Product: Credit card or prepaid card

I need access to my financial data in apps. Please let me use services for XXXX.
Product: Debt collection

A few weeks ago I got an notification about a debt that was placed on my credit report after checking in with my mortgage lender to make sure I was still on track. We found out the Security Credit Services had  posted a collection on my report for {$1800.00}. I called right there in the office with my lender and asked for validation of the collection. I was told I get the validation in the mail. The only thing received in the mail was a paper saying who they were and that they had placed a collection on my report. That is not VALIDATION! I then sent a written request to validate this collection. Instead of getting the validation they have now reported it twice on the same report with very different dates after getting my letter of request for validation. This is getting out of hand and Im yet to get the validation. I am letting CFPB aware of this situation and will be sending out another request for validation AGAIN ; just in case they are responding back saying They never got a letter. I will also send the first letter that I sent to them along with the second letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report in Transunion. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report.XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Debt collection

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$9700.00} Reason : Identity theft Please remove it from my credit report.
Product: Mortgage

I recently bought a house from AmeriHome mortgage company LLC. I thought I had a VA Loan with guaranties. The house was suppose be inspected and appraised. I am still waiting on the reports and the house has closed. I was given a home warranty, this was to insure that the house was good. But after a couple of days everything began to break down. The pool pump stopped working, the wiring has been compromised. The conduit is rusted out causing the wires to ground out. This is just one problem with the electrical, there is open slots in the electrical breaker box. Nothing is label correctly and there is several circuits missing form the panel. It is not up to code, I was told that the property was inspected by the VA rep and approved. But the standards that the VA provide to its service members are not being met. Now the home warranty company is saying they do not cover the repairs. The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX said this house was up to code and passed inspection when they sold me the house. It is not up to code.
Product: Mortgage

In XX/XX/XXXX, I filed a XXXX  XXXX bankruptcy to stop a foreclosure sale on my property. The notice of bankruptcy filing was received by the company ( Mr. Cooper and XXXX ). But on the day of the scheduled foreclosure sale, they sent a company to my home to change the locks. Those individuals went into my home and stole many items from my home. Also, my XXXX son was in the home during that time and thought that it was a burglary. He was terrified. He called me on the phone and I left work to get to my home. 

I have a copy of the work order and the police report that I filed. I also have a video, because I had cameras in my home at the time. On a different date, they also put a lockbox on my home so I couldnt enter. All while I was in a XXXX  XXXX bankruptcy. 

Also, in XXXX, I filed another XXXX  XXXX bankruptcy and contacted the loan servicer to make my payments. XXXX XXXX The Loan servicer ( Mr. Cooper ) told me that my payments were {$940.00} and I was paying that amount. XX/XX/XXXX, the the mortgage company ( XXXX XXXX XXXX XXXX  XXXX ) filed for a relief from stay sighting that I was paying the wrong amount. They said the correct amount was {$2500.00}. I feel they intentionally misrepresented the payment amount. Then on XX/XX/XXXX, they sold my property at a foreclosure sale.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBs findings indicate that zelle not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. Its identity theft. These accounts are not mine they are fakes. This terrible situation is causing me financial and emotional distress because of their unknown nature. The following items must be deleted. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX Account # XXXXverified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.
Product: Debt collection

I was in the process of purchasing a house and found unexplained collection accounts. I contacted XXXX XXXX in North Carolina to find out what the collections was in reference to. While speaking to a representative, she realized that the collection item was from an auto accident. She then asked my had it been settled, I replied no. She then stated that the claim should have been put on hold and I should have been contacted. I have called several times in the last 10 weeks to check on the progress of the removal of these 3 collections items. I also had my attorney contact them. They are no longer responding to me, which I understand why. They sent my attorney a standard lien letter that does not address the removal of the reported collection from my credit report. The collection agency is refusing to remove the negative items from my credit report after my attorney has contacted them to confirm the claim has not been settled. I did not received any communication from the collection agency or the original debtor prior to them reporting the negative items, although they claim there was an attempt to contact me. I have offered to pay the debt before the auto claim is settled if they remove the negative report. They have refused. The claims were sent to the credit agencies as 3 separate claims totaling less than {$400.00}. I believe this was deliberate to inflict as much damage as possible. Two of their employees have stated on two separate occasions that the debt should not have been reported to the credit agencies because it was clear in my file that the medical treatment was a result of an auto accident. XXXX XXXX has refused to work with me after I have provided them with all of the information requested. I have proven the validity of my auto accident and that the claim has not been settled. This is a deliberate abuse of power.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

So Im a XXXX XXXX graduate of 2018 and I now and dealing with Sallie Mae, these people have no intentions of being able to make my payments easier for me. My monthly payment is twice as much as my rent and I am unable to make that payment, I work two part time jobs to make ends meet and I try to at least pay XXXX towards my loans. Since then Sallie Mae has ruined my credit score, I just want an payment based on my income to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two loans from XXXX loans and they keep reselling the loans to collections I have a total of six times the same two Loans are on my credit report and this is since XXXX, shouldnt they have been off my report? This is preventing me and my children from a lot we are entitled to. Ive been disable by the state of Ma since XXXX and unable to use the certificate I recieved for completing the medical assistant course at XXXX XXXX in XXXX, Ma!!! Totaling up to almost XXXX dollars on my report this is unfair and unjust I have had to higher a lawyer to help me also taking note money out of my pocket as a single mother of XXXX children trying to better our lives but get turned down from so much for example we need a vehicle and I cant get one cause of this situation. My name is XXXX XXXX XXXX DOB : XX/XX/XXXX last four of social is XXXX please help stop this madness!!!
Product: Vehicle loan or lease

I have opened a lease contract with XXXX XXXX XXXX through XXXX XXXX XXXX in XXXX NJ on XX/XX/2021. 
The financial manager whom finalized the sales with me pushed me to purchase an insurance for the cars tires at an additional cost of {$26.00} a month to be paid on monthly basis on top of the monthly lease of {$270.00} a month. 
He advised that insurance can be canceled upon my request at any time. 
When I called the XXXX XXXX XXXX, they mentioned that my contract doesnt show that I have any type of insurance therefore they advised me to contact the dealer, I went to the dealer to cancel the insurance, The financial manager advised me that insurance can be canceled but is not going to affect my monthly bill and I would still pay the cost of insurance of {$26.00} a month on top of my monthly bill which didnt name any sense to me and I think this something unethical. 
All what I need to cancel the insurance and my bill to be adjusted accordingly and my monthly bill be back to {$270.00} a month.