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

I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, Missouri XXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to this credit bureau to dispute an incorrect address they are reporting. I have sent enough proof that the address they're reporting needs to be corrected and updated to what I've sent them. Since then I received credit reports in the mail that are showing the correct address and the incorrect address. They once had the correct address on their report on XX/XX/XXXX but they changed it back to the incorrect address on a new report on XX/XX/XXXX. This credit bureau is in violation of FCRA Section 623 and CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. This is damaging towards identifying myself, obtaining future credit and is causing me distress.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute 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
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I called the Wells Fargo Specialized Resolution phone number provided by the CFPB website ( XXXX ). I wanted to find out if any settlement compensation was scheduled to be paid regarding my mortgage. A XXXX answered the phone. I found him to be vague and not of any help. XXXX was unwilling to look up anything regarding my mortgage. He stated that I would be contacted within the next month if any compensation was being paid to me. I went on Wells Fargo website to see if I could obtain any information regarding my mortgage on XX/XX/XXXX. This website stated that it could not process my account information online and to call XXXX. Since I do not trust Wells Fargo I did not want to speak to them regarding my account. I had experienced rude and abrupt treatment from XXXX with no willingness to assist me. My home of almost 12 years was foreclosed upon on XX/XX/XXXX. The balance of the principal outstanding was {$160000.00} and the property sold for {$170000.00}. Wells Fargo failed to do a Loan Modification. Additionally, after my home was foreclosed upon, Wells Fargo called me and wanted to know where to send {$1300.00} ( a payment they failed to log ). Further review of my escrow account figures shows that interest being charged through the life of the loan was 7.5 %. The monthly mortgage statements show interest as 5.5 % ( which is what I thought my loan interest rate was ).
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX 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

I am a victim of identity theft Im submitting FTC reports and complaints to have these negative items removed form all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXXXXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX XXXX all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/2023 I mailed a certified letter to XXXX and TransUnion about an account with XXXX XXXX account on my credit report. I asked for proof that I was ever late on a payment with this company. A bank statement showing that I was late. After 30 days they just verified the account. They did not send any proof showing that I was late. 

On XX/XX/2023 I mailed another certified letter to reinvestigate the results from the following dispute that I sent out on XXXX and again I did not receive any proof that I was ever late on payments to the company,
Product: Credit card or prepaid card

Elian Financial Service Refused to send me credit card statements that I requested, I have contacted them for XXXX more n=months, each time I spent 5+ hours, My Elan Fianncial Service credit card associated with XXXX I opened XXXX XX/XX/XXXX and closed on XX/XX/XXXX, I requested Elan Financial Service XXXXo send me teh XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my activity statements, I called Elan Financial Service multiple times , their customer service sometimes can not find the card ending on XXXX, then they asked to change mu card, they said that it was opened in XXXX, and you changed the last 4 digits, there were no activates in XXXX, so they refused to send to me anything. Some find the card, then thye said that It was out in Archive, so the dept does nto aloow Archive statement to send out to credit owner, some found it and made the request, I still received nothing until today, and some asked my fax, offered to fax to me, after gave out the fax number, I still does not receive anything!
Product: Checking or savings account

A monthly transaction always try to come out on the XXXX of the month. It is never consistent on when it is processed because the account mostly does not have enough funds to cover this charge on the XXXX due to my SSA-DI check goes thru on the XXXX of every month. For som reason the bank processed this charge this month of XXXX on the XXXX that was on a weekend. Since I didnt have the available funds, I was charged a {$35.00} fee for overdraft. I feel that this charged should be waived since I did not authorized the bank to process any charges that will make my account go in the negative. Im being penalized due to the way the charge was processed from the merchant. I have been used to the bank not processing this charge because enough funds are not available. I feel that the bank use its power to get extra money from me despite me being on a fixed income.
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time 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 repeated offenders to exploit the system, leaving users vulnerable to scams. The 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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : ... XXXX XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF ED/XXXX # XXXX T Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 


DEPT OF EDXXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # ** *Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXXPlease provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX # XXXX*Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

company sent out affidavit form for theft and dispute
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( 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 XXXX business days after the date of receipt. XXXX XXXX Balanced {$4000.00} 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: Checking or savings account

On XX/XX/year>, I was offered a loan in the amount of {$10000.00}, by a lender claiming to be XXXX XXXX. I was asked to provide my banking information in order for the lender to deposit the funds into my account at JPMorgan Chase. I was later contacted on the same day by the lender asking that I check my account to view a deposit made by the lender. When I checked the account, there was a deposit. However, the amount of the deposit was not the {$10000.00} amount agreed to. I was again contacted by the lender to send money to them to validate the loan by XXXX XXXX  When I attempted to comply to the lenders request, it didnt work, so I was told to send it by money gram, and afterwards I would receive the {$10000.00} loan directly into my account. I became suspicious at this point and contacted my bank to report possible fraud. I later learned that the lender had contacted my bank and after accessing my account, had payments I had made to several creditors and overdraft fees reversed back to my account as though the lender had made the deposits as parts of the loan that was offered. I then filed a fraud complaint with my bank and learned that in fact it was fraud, but because I used the funds, I was accountable for the debt. I still have no idea how the company ( XXXX XXXXXXXX ) was able to reverse any of payments to creditors and overdraft fees. I am requesting that this debt be released by the bank and my funds direct deposited after the fraudulent activity be returned to me, and my account reopened based on the fraudulent transactions and charges. If account information is needed, please let me know.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a paid account from my credit report. This account has been paid and the collection agency agreed to delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping auto insurance and was told that a accident claim was on my clue report. I know this is not my claim so I asked for the consumer report company that gave them this information and they said LexisNexis reporting agency. I went online to ask for a copy of this report 45 days later they send me a letter that states that LexisNexis has conducted a search of its databases based on information provided to them and is unable to give me a copy of this report. I want a copy of this report immediately.
Product: Checking or savings account

Tried closing a {$100000.00} CD at Huntington bank in XXXX XXXX Mi. Contract states XXXX  percent interest rate for 14 months with Apy of XXXX. XXXX is {$6000.00}. XXXX will only pay {$5900.00} which is only XXXX percent. They are not compounding the interest that is accredited to the account every 3 months. By law all banks are required to use XXXX when comparing interest rates. I believe Huntington bank is committing fraud on its depositors by not using XXXX as stated in their contract.
Product: Mortgage

I was the " sole borrower '' of the student loans for my children 's XXXX colleges, for the amount of ~ {$130000.00}, which has been " approved '' for discharged on XX/XX/2020, due to my XXXX-XXXX, by the Department of Education DOE. 

In addition, my children were the " borrowers '' of an additional ~ {$100000.00}, for their XXXX colleges. I was their " co-signer '' Their XXXX student loans are being deferred on a year-by-year basis, until they complete their XXXX schools. They will be completing their XXXX degrees in 2 years. 

DOE informed me that it could yet approve the discharge that portion of the student loans, for I am the " co-signer '', not the " borrower ''. Unless, my children can not repay back their XXXX student loans, upon completing their XXXX  degrees, ( XXXX pursuing to be a XXXX  '', XXXX pursuing to be a XXXX XXXX ). 

Today, my children 's XXXX student loans require no payments. In the next 2 years, my children 's XXXX student loans require no payments. In my opinion, when my children complete their XXXX  degrees, they will be able to repay their XXXX student loans payments Only in the events that my children can not repayment their student loans after 2 years, then, as a " co-signer '', I shall assume that liability of their XXXX student loans. 

DOE informed me that I am eligible for approval for their XXXX-XXXX, for then, I become the " sole borrower '', thus eligible-by-similarity for prior student loans discharge for " XXXX-XXXX Today, Chase is using that against me, calculating that payments, into my application for " home refinance '', thus disqualify me for lower interest rate.
Product: Debt collection

AWA COLLECTIONS XXXX XXXX XXXX, XXXX, CA XXXX AWA has reported a delinquent account to all major credit reporting agencies ; I have no knowledge of this dept. or of who AWA Collections is, I have attempted to obtain information about reported dept. from AWA to no avail. The reported collections amount is {$4100.00}. I feel this is totally unacceptable and may be the victim of identity theft. I need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and Experian.
Product: Payday loan, title loan, or personal loan

Dear Sir/Madam : Please see attached cover letter describing the events regarding my complaint against the Lending Club. In addition, I also have attached two correpondence, as outlined on my cover letter. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My last payment of {$500.00} for my car loan was processed, but my balance increases by over {$100.00}. I've been paying on this car for XXXX  years and haven't made a dent in the loan. Something fishy is going on here.
Product: Checking or savings account

I deposited a 3 large stacks of cash, the ATM took the first stack and deposited it. When it came to the second stack the ATM crashed and said error I then went inside to deposit the 3rd stack of cash. I let the teller know what had happened and they said they submitted a claim and that they would reach back out in 48hrs. It has been weeks with no call or anything.
Product: Credit reporting or other personal consumer reports

Unknown inquire on credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Syncb finance XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above companies have inquires on my credit report I have no knowledge or any affiliation with these company or the dates. Im requesting to have these removed from my credit report.