23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax dating back to the end of XXXX. Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around with Equifax has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. The back and forth is asinine. I have already had to dispute my own identity with the INCORRECT birth-date and misspelling of my name and yet me telling you I did not authorize the inquiries is baffling. You do n't have the basic information entered properly! I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX Inquiry : XXXX XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX ; XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/year> XXXX  XXXX Balance XXXX {$280.00} XXXX XXXX XX/XX/year>
Product: Debt collection

A few weeks ago I initiated a letter to verify debt from Caine and Weiner account number XXXX for XXXX dollars. It appears that account incurred on XX/XX/2023. My initial contact was by phone and have not been able to verify or resolve, My second attempt was letter to verify information and request written communication based on Fair Debt collection Practices Act ( FDCPA ) 1692g, and have yet to receive a response. Caine and Weiner have left message representing as an attorney to collect a debt that yet to be verified. I'm currently seeking to have this debt removed from my credit report immediately due to no response and unverifiable debt according to Fair Debt collection Practices Act ( FDCPA ) 1692g, I thank you for your immediate attention to this matter. 

Best Regards, XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these accounts, please investigate credit report and remove these accounts.

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from EQUIFAX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. It is illegal to report duplicates of the same accounts, please remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-c ( Cancellation of DEBT ) for the following charged-off account listed below. After checking my most current consumer credit file the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account. 

XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report. 

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX TransUnion LLC ( XXXX ), TransUnion faced a {$60.00} XXXX settlement for inaccurately labeling consumers as XXXX XXXX or XXXX XXXX Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. XXXX also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. XXXX. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against XXXX, TransUnion, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

I checked my XXXX mortgage statement from Mr. Cooper and it was {$370.00} higher than what I normally pay. I normally pay {$1100.00}. My actual payment amount is {$1000.00}. The person I chatted with from Mr. Cooper said that my previous mortgage company, XXXX, should not have issued an escrow surplus check last XXXX for {$330.00}. I don't understand how I'm being punished for a mistake I didn't make. Mr. Cooper is not accepting my {$1100.00} mortgage payment until I pay an additional {$370.00}. This is XXXX. I tried to call XXXX, but couldn't get a live person because the loan is no longer theirs.
Product: Credit card or prepaid card

My Wayfair credit card has been frozen for more than 2 months. No one can help. I dont even know the reason. Every time I check in, I cant talk to the customer service department at the phone number on the back of the card. Instead, Im transferred to a Wayfairs. In other departments, I even asked them to transfer to the customer service department, but every time it was blocked, and strangely they asked me to explain why I need to transfer to the customer service department, and it is necessary. The last time I even deceived me and the translator and put me and the translator on the line for about 20 minutes, knowing that the translator asked me to call again because there was no answer for too long. Every time I call in, I am only told that I need my personally identifiable information. This is to protect my account. I will receive a phone call or text message from the bank within 24 to 48 hours, or the bank will send a letter It may take 7 to 10 days to contact me. However, I have been waiting for more than 2 months without any news.
Product: Money transfer, virtual currency, or money service

concerns using Zelle 's handling of disputes, particularly in spite of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers 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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1. ) XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXXXXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 6. ) XXXXXXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX ACCOUNT # XXXX* HAS VIOLATED MY RIGHTS XXXX. ) XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 9. ) XXXX ACCOUNT # 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 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHED A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

I see ZIONS DEBT HOLDINGS on my credit in the amount of {$1200.00} from XXXX XXXX XXXX. I have no knowledge of this of this collection, and would like for them to approve a contract with me and if not I would like for them to remove this debt off my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to rectify the situation I have been unsuccessful. TransUnion is reporting that I have a Discharged XXXX  XXXX Bankruptcy which is not correct. If they truly did do an investigation as per 15 U.S. Code 1681i ( a ) they would in fact see that I do NOT have a discharged bankruptcy. I have personally checked on PACER to verify that I do NOT show a XXXX  XXXX discharged Bankruptcy. I have disputed this with Transunion ( at least ) 3 documented times with no success ( on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). The other 2 credit reporting agencies do not report a discharged XXXX  XXXX bankruptcy. With TransUnion reporting this inaccurate information its affecting my ability to get a mortgage loan and if this isn't resolved through this complaint will be forced to next take legal action.
Product: Credit card or prepaid card

On XX/XX/XXXX I discovered through checking my account balance a that a large sum of money ( to ) me was missing .after investigating I saw a total of over XXXX $ was taken without my knowledge or authorizorization on XX/XX/XXXX on XX/XX/XXXX.recieved a letter saying they could not confirm that fraud had occurred and closed my case I called to reopen my case with new information they said report it to local enforcement or do it myself directly with merchants. I Did just that and it still falls on direct express
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some accounts on my credit report which i have no knowledge of. the accounts were removed by XX/XX/XXXXbut XX/XX/XXXX and Experian still holds them. XX/XX/XXXX need to be removed as the accounts can not be verified.
Product: Debt collection

Midland Credit had agreed to have the debt removed from my credit history once its been paid in full. This debt was satisfied, effective, as of XX/XX/XXXX. However, this doesnt appear to be the case when reviewing my latest update of my previous dispute. Its way out of date, back in XXXX and the balance, at the time was still over {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reporting some time now about identity theft to all credit bureaus which has resulted in a lawsuit against XXXX Now I an starting to get many thing reported on my XXXX and Transunion credit file, accounts and inquiries that are not mine. 

XXXX is reporting : XXXX XXXX XXXX on my credit file that is not mine. I have no knowledge of this company and I have never opened an account with this company. 
XXXX is also reporting hard inquiries that are not consented by me as I have not giving anyone permission to run my credit : XXXX XXXX NA ( XX/XX/2022 ) Factual Date ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX  ( XXXX XXXX, 2022 ) XXXX  ( XX/XX/XXXX. 2022 ) TransUnion has tremendously dropped my score due to inaccurate credit reporting. 
TransUnion reports accounts that are not mine : XXXX XXXX ( XX/XX/2022 ) {$5700.00} XXXX XXXX XXXX ( I have has these loans in the past but I have not opened up another one and they have one on my credit file showing that it is past due, {$1200.00} reported XX/XX/2022 ( this caused my score to drop ) XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 balance {$810.00} XXXX XXXX ( another loan that I have had in the past and have not open another one is showing that I have a new one and I don't reported XX/XX/2022 Balance {$1300.00} Transunion is also showing hard inquiries that I and no knowledge of or gave consent as I have not had my credit ran XXXX XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX  ( XX/XX/XXXX. 2022 XXXX XXXX ( XX/XX/2022 XXXX XXXX ( XX/XX/XXXX. 2022
Product: Mortgage

We are trying to get help from USBank by modification of our loan. We have been asking for help and we have been sending in a lot of paperwork that they asked for, but all the do is pick it a part. We have been trying for over three months to get them the paperwork they want, but there is always something wrong. They wanted XXXX pay check stubs which we gave them and then they say, how do we know that there was a pay check under the pay check stub. Sent them bank statements right from our bank and it 's never what they want. The agent at our bank said that she does n't know what else to send them. It 's been three months now and we have given up, they won, all we can do now is walk away and give them our home. We have never missed any house payments anywhere in 45 years, but they wo n't work with us and they keep playing these games. It does n't make any sense to continue to make mortgage payments, it would be just a waste of our money. I am XXXX years old and never had these problem before.
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 XXXX XXXX XXXX. 

Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I never signed any contract with this collection agency, nor did I consent to have my personal information shared with them.
Product: Credit card

The card was reported lost in the mail, and I discovered unauthorized charges on my XXXX XXXX XXXX XXXX This was reported to XXXX XXXX cutomer service Fraud department. They did NOT fix the problem and still charging me with interest. Attached is Police Report and the XXXX XXXX Account Statement - as of XX/XX/year> my new balance is {$1500.00}
Product: Debt collection

CC TD BANK USA/TARGETCRED XXXX XXXX XXXX
Product: Checking or savings account

I was the victim on an online job recruitment scam. I was sent a check for {$5200.00} to purchase materials with. I deposited the check on XX/XX/XXXX. I sent money through XXXX and XXXX to who I thought were XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they returned the check and I am now over XXXX XXXX dollars negative in my bank account.
Product: Credit reporting or other personal consumer reports

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXXXXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). Furthermore, the disputed account was never verified. XXXX is reporting XXXX late payments while Transunion states that no payment history is available. XXXX has removed this account. The account numbers on XXXX and Transunion do not match. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

lendmark is incorrectly showing an old account on XXXX. i check my credit daily and i see two lendmark accounts opened and that is against the law i am sure
Product: Credit reporting or other personal consumer reports

i need these items removed from my credit report immediately as there are impacting my ability to receive credit lines