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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 
Please remove these inaccurate accounts and unauthorized inquiries stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned my information was involved in a data breach. I refinanced with a company last yeand he last year and I noticed a drop on my credit report of points. When I reach out to the lender of the money source they stated that someone has submitted a payoff request for my mortgage however this is something that I did not authorize. I reached out to the company several times and they still have not changed my phone number or my email address or my contact information and they are trying to sell my mortgage out from underneath me. They are committing friar. I have reached out to the social security office the police authorities the federal trade commission the FBI and I am at a loss what to do from here because I am being ignored Please reach out to XXXX.
Product: Debt collection

I HAVE CONTACTED XXXX/UNITED LEGAL GROUP/XXXX/CREDIT COLLECTION BUREAU AT XXXX XXXX XXXX XXXX XXXX REQUESTING WHAT THE DEBT OWED IS FOR AND THE CUSTOMER SERVICE REPRESENTATIVE @ XXXX SAID THE DEBT OF {$30000.00} ACCOUNT # XXXX I ASKED WHY I OWED THIS AMOUNT IN COLLECTIONS THE REPRESENTATIVE SAID I LEFT THE PROPERTY DAMAGED! I REQUESTED PICTURES AND RECIEPTS OF SUCH DAMAGES THAT HAVE BEEN MADE AND XXXX REPRESENTATIVE SAID SHE WILL NEED TO SPEAK WITH XXXX XXXX XXXX XXXX AND CALL ME BACK. SINCE LAST MONTH IVE CONTINUED TO RECEIVE CALLS FROM DEBT COLLECTORS BUT THEY HAVE FAILED TO PROVIDE ME WITH ANY DOCUMENTATION OF WHY I OWED THIS BALANCE IN COLLECTIONS. THE OWNERS OF THE PROPERTY XXXX XXXX XXXX XXXX XXXX HAVE FAILED TO RETURN MY SECURITY DEPOSIT AND HAVE NEVER SENT ME A SECURITY DEPOSIT DISPOSITION LETTER FROM WHEN I MOVED OUT OF THE PROPERTY ON XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$440.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$200000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) : XXXX XXXX XXXX APT XXXX XXXX XXXX XXXX CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Previous Address  ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I have been trying to get these accounts off my credit report. I have never done business with these company. I contacted them to explain that these accounts was not authorized by me. I also contact the tranunion and XXXX  and was told that i need a report from the FTC.
Product: Credit reporting or other personal consumer reports

I do not have a contract with Experian nor did I consent to them reporting an alledged account with XXXX domestic relations. Experian is refusing to investigate this account along with removing the address from my credit report. My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This should the only address listed on my credit report. It is illegal to report a child support on a credit profile as it does not pertain to any consumer credit transaction since XXXX Supreme Court.
Product: Debt collection

THIS COMPANY. SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Product: Credit reporting or other personal consumer reports

Reviewed most credit report from TRANSUNION and noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquiries in question did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting issues 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 CFPBs 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

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Here is a draft dispute letter tailored to your request : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX Date : XX/XX/year>XXXX  Caine & Weiner Company XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Subject : Formal Dispute of Inaccurate Collection Account Account # XXXX Dear Caine & Weiner Company, I am writing to formally dispute the collection account referenced above, which is being reported on my credit report. After reviewing my credit report, I have found that the information reported regarding this account is inaccurate and potentially unlawful. 

The Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) require that all information furnished to credit reporting agencies be accurate and verifiable. I believe this account contains inaccuracies that violate these standards. 

I request that your company immediately : 1. Provide written validation of the debt, including detailed information verifying the amount, the original creditor, and my alleged responsibility for the account.

2. Remove the account entirely from my credit report due to the inaccuracies and lack of proper validation. 



If you can not substantiate the validity of this account with concrete evidence, I expect that it will be removed from my credit file promptly, as required by law. 

Please note that I am documenting all correspondence related to this matter and will not hesitate to pursue further legal remedies if this issue is not resolved appropriately and expediently. 

I expect a response from you within 30 days of the date of this letter, as required under the FCRA. Please send all correspondence related to this matter to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Company says they can not serve me now because I filed a complaint with your office and until the discrimination complaint is resolved they will not be able to serve me. I feel this is retaliation for filing a complaint. I should not be denied services at the branch because I am XXXX and made a complaint to your agency. I recorded XXXX XXXX at 5th 3rd bank branch in XXXX telling me due to the complaint he could not serve me. This is wrong. The bank also now refuses to provide me a copy of my mortgage note. My copy burned with my house. I will keep the recording of XXXX as it contains medical info that I do not want public. If needed I can provide in camera.
Product: Credit card

I have been in a relationship for the last three years, I recently got out of this relationship and have figured out that he opened a business account in my name and took out loans. Also applied for credit cards in my name, and this is just what I found out since the end of XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX  {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Vehicle loan or lease

There's XXXX instances I got a truck from XXXX XXXX XXXX and I took the truck back the next following day due to a gas leak and also losing control of the car while driving due to the main motherboard that controls the power steering and it breaks power steering failing after giving him the car back the guy workers said that she will remove the car from my credit and I left the confidence this was my first time buying a car from a dealership as a result without my knowing months later they kept the car into my name destroy my personal credit making it impossible for me to get a loan so I applied for another car loan after taking that truck back not knowing that it was still in my name in about 2 months later I tried to apply for a loan after building my credit up so XXXX XXXX An official website of the United States Government Logged in as XXXX XXXX Consumer Financial Protection Bureau Inactive modal Submit a complaintStep 3 of 5 What happened?

Describe what happened, and well send your comments to the companies involved. 
Include dates, amounts, and actions that were taken by you or the company. 
Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
thought and I was declined due to the fact that that car was still in my name and it was affecting my credit score causing me to lose the car I currently have I went to XXXX XXXX XXXX and asked about the car he told me he doesn't know what happened to it he said it and it's shady way telling me that he took the car and hit it somewhere and never took it out of my name I called the police on bringing a car back that day just in case if something like that happened to get record of it I even filed and lost and stolen report I called credit acceptance one and told them what happened and they tried reaching out to the guy but without success was unable to get a resolution for the problem im sorry i didnt reply to the last one i couldnt find the website here is the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on nor have they updated the accounts as being disputed.
Product: Checking or savings account

I have a {$50000.00} CD account with Wells Fargo. I have had this CD at the current location for 9 years. It is a 5 year CD that has already renewed once with the maturity/renewal date of XXXX. I received a letter on XXXX that my local branch of Wells Fargo is closing in XXXX XXXX. I called the branch today XXXX to see what I needed to do to close the accounts that I hold there and move them to another local bank. They informed me that I would have to pay early withdrawal fees for closing the CD that I have before the maturity date of XXXX XXXX. I asked the bank to waive this fee as they were closing the branch that I banked at. The person that I spoke with at my local Wells Fargo was very polite and friendly. She told me that she would check with management to see if that was something they could do. She called me back later today to let me know that they had received email confirmation from the main Wells Fargo Bank head quarters that they would not waive any early withdrawal fees. I then asked to speak with someone at the head office and was given this number to call ( XXXX ). I called this number and spoke with a lady that confirmed what I was told at my local bank. I am only moving my account because the branch is closing and I do not wish to drive 45 minutes to another Wells Fargo bank to do my banking when I have XXXX other local bank choices. The bank states that they are not closing Wells Fargo ( they are only closing the branch that I bank at ).  Therefore, they will not waive the early withdrawal fee. If I were moving they would not have a care in the world about me as they do not have a care in the world about moving my accounts to another bank further down the road. It seems that if they move or close then I should be happy about them taking my money with them or that I have to pay them a fee to keep my money local. Well, I am not happy about any of this. Where the XXXX did customer service go?
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX XXXX XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Mortgage

After many repeated attempts I can not get them to release a tax payment of {$610.00} that is due to the XXXX County Tax Claim Office.
Product: Credit reporting or other personal consumer reports

I have disputed with all three credit agencies multiple times to have my account XXXX. of XXXX updated to reflect a {$0.00} dollar amount and the account should be closed as XXXX without any negative comments. 
XXXX - I disputed on XX/XX/XXXX, report number XXXX and was success and account was closed. On XX/XX/XXXX, I received a notification via email that another investigation occurred in which I did not initiate report number XXXX resulting the account being reopened and the balance was updated as XX/XX/year> {$160000.00}. I called XXXX on XX/XX/XXXX and asked them if they had received the letter I attached with the dispute on XX/XX/XXXX. The representative found the later and stated she would resubmit the dispute report number XXXX. The same day, XX/XX/XXXX I received another notification the account was updated to reflect a {$0.00} dollar balance but has not been closed. Status shows : open/never late. 

XXXX - The same process occurred XXXX. XX/XX/XXXX, confirmation XXXX, completed XX/XX/XXXX, with the information updated and balance {$160000.00}. Called XXXX on XX/XX/XXXX, explained I sent the confirmed letter of my student loans were Forgiven. The representative saw the letter opened another investigation confirmation number # XXXX and advised I would receive the results in the mail. The results came and the account is updated as {$0.00} and closed, with inaccurate comments : student loan payments deferred. 

TransUnion - I have dispute ( XXXX ) times and results have been the same time updated and verified balance {$160000.00} as of XX/XX/year>. Prior to my dispute I asked to speak with a supervisor, not sure if I was transferred to one or not, but I spoke with XXXX and advised him that I have attached the letter that my loans are forgiven with XXXX XXXX  XXXX and my account should be reflect as {$0.00} dollar amount, paid and closed without and negative. He responded with they send the documentation to servicer to confirm. I found that hard to believe since the servicer being XXXX sent me the attached letter and has updated my account that student loans are forgiven so why am I having to go through so many obstacles to with the credit agencies to update my credit report with accurate reporting. XX/XX/XXXX, I received the forth dispute notification file number XXXX and it reads : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : Date updated : balance {$160000.00} as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Each account name above has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX