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

I have contacted Experian per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my dispute back in XXXX. The rep ( XXXX ) that I had spoken with stated that Experian does not investigate disputes, they just will submit info back to the US Bankruptcy Court in this case, to verity the account. I've stated to this rep that I have already disputed the verification and they have just came back with the account was verified. I explained my last dispute was asking what their Method of Verification is per FCRA Section 611, 6, A & B. As a Consumer, I have the right to request this and as well to receive this information per the Federal Credit Reporting Act as stated above. The rep has still declined to give me the information on their Method of Verification but I explained in detail what this is referring back to Section 611, ( B ), ( iii ). I had also referred back to my dispute letter that I had sent to them back on XX/XX/19. 
I had explained that I have the right to know their method of verification and stated that Experian is just going in circles around this. I am uploading a copy of Experian 's response letter that is clearly just questioning me and asking me to write them listing the items included in the bankruptcy or send them a schedule of this. This again is not the proper answer to what I'm disputing and now this rep has put in yet another dispute which is the same dispute I had mailed them back on. Per the FCRA, this credit agency is past due time in providing me information to my dispute and should remove this item from my credit report as they did not furnish the information to me. 
This is also to be added to this complaint. After questioning this rep several times on the same questions, the answers changed several times. In the last reply when I asked who they spoke with on this account and who verified it, she stated they spoke with the US Bankruptcy Court this time. I stated that I personally spoke with the US Bankruptcy Court of XXXX myself and they told me they do not furnish the credit agencies with information or verification. 

This Credit Reporting Agency ( Experian ) is in violation of this Act. They have not conducted a thorough investigation and did not supply me with the Furnishers information. There response letter again will be attached to show this information is not attached within as required by FCRA. I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the XXXX  that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax is reporting an open date of XX/XX/XXXX however XXXX is reporting an open date of XX/XX/XXXX. Equifax is also reporting 30, 60, 90, 30 for late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX however XXXX is reporting 90, 30, OK, OK for payment history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a written request to Equifax disputing inaccurate/incorrect information I discovered within my Equifax credit file. For the following : XXXX XXXX XXXX {$560.00} XXXX XXXX {$3000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX {$24000.00} XXXX XXXX  {$2800.00} XXXX XXXX {$910.00} Rise {$490.00} XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX {$3500.00} To date I have received a response within the guidelines from Equifax. Equifax did acknowledge inaccuracies/incorrect information has been reported by the various creditors, however those items were not removed in accordance with the FCRA referencing inaccuracies/incorrect information, Equifax reported inaccurate/incorrection information has been updated, then the creditor re-aged the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding subject account erroneous credit reporting. I am demanding an immediate removal of this reporting from my credit reports as it is hindering my purchase of a home XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Mail code XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ) XXXX The home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was included in Bankruptcy XXXXXXXX XXXX XXXX XXXX Mississippi filed XX/XX/XXXX and XXXX XX/XX/XXXX. The Order of Discharge and list of creditors which includes XXXX Mortgage is attached to this email. 


XXXX purchased this property from XXXX Mortgage after the discharge of the Bankruptcy and proceeded to threaten me with foreclosure. I never acknowledged the validity of this account. It is unlawful to foreclose on property that has been included in a bankruptcy. .Apparently, this is a typical business practice of XXXX since there are so many lawsuits against them. XXXX sold the house and made a profit of over {$100000.00}. 


Again, I demanding immediate removal of the reporting of this account and any late payments and foreclosure from my credit reports. I
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account XXXX Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$350.00} {$350.00} XXXX XXXX : {$150.00} {$150.00} Past Due : {$0.00} {$0.00} Payment Status : Current Late 180 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
XXXX XXXX ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK Equifax XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : - XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : - Date of Last Payment : RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not 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 identit theft!! Please delete these items as soon as possible!

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 und 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Mortgage

I signed an initial LE that was correct except for it had me paying 25 % down instead of 20 %. The LE had a rate if 3.625 % with 200 in points. Lender and I discussed this change and he asked me to sign and he would fix later. It was communicated to the lender that the closing date would be XX/XX/XXXX. It is in writing at least 3 times. I followed up with the lender multiple times up until closing and was told everything was OK. Less than 24 hours before closing I was told I would not be closing and they needed more documents. New closing date is XX/XX/XXXX. On XX/XX/XXXX I received the LE in preparation for closing. It was 20 % down, 3.625 % rate and points was now XXXX. I went back to the lender on XX/XX/XXXX to discuss this discrepancy and no response that day. I was never informed of the change. The next day I contacted the lender again. I was told either I needed to pay that or to make the points better pay 25 % down. He was supposed to talk to his leadership and stopped responding to me, so I asked my husband to call him from an XXXX XXXX. During that call he tried to convince my husband to sign the LE. Loan officers actions were DECEPTIVE. I cancelled the loan due to the lenders deceptive practices. Because i did not sign the LE, i was gauranteed to again miss my closing date. I repeatedly and through many channels asked for help from leadership and never received help.
Product: Debt collection

AR Resources showed up on my credit resport after sending a certified letter on XX/XX/XXXX To XXXX XXXX XXXX XXXX to validate two accounts that showed up on my credit report in XX/XX/XXXX {$68.00} Account # XXXX {$150.00} Acount # XXXX The debt was never validated, but AR Resources name was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are trying to buy a house and the realtor that we are working with ran our credit today XX/XX/2020 to see what we qualify for but he told me that we would not be able to get a home loan right now because my credit report came back with several negative accounts. The accounts are from XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX and US BKPT CT CA XXXX XXXX. I never opened an account with any of these companied nor have I ever filed for bankruptcy. I have never given anyone permission to open an account in my name ; I did not benefit anything from any of these accounts and I did not contribute to any payments made or any purchases. I filed an identity theft report with the federal trade commission as well as a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove theses accounts, bad data is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Following 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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

Delete the accounts below : - XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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 the 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: Debt collection

I moved out of state and my card was used to deposit and cash fraudulent checks that wasnt mine and my account got closed I didnt know about what happen because the state I currently live in, doesnt have the bank so I wasnt getting information until the account got closed and a debt collection started to call my phone. I flew back to the state the bank is located to get things squared away and then was instructed steps to get my name cleared.
Product: Vehicle loan or lease

I had a new car loan with citizens one, loan number XXXX, I have paid off this loan and I have received the title of the vehicle. Citizens one has reported to the credit bureau that I still owe them {$14.00}, and they send me installment loan statements to that effect. I have spoken to them a number of times, each time they assure me that the loan will be cleared, but it never was.
Product: Credit card or prepaid card

Ive been dealing with an ongoing issue involving discrepancies on my credit reports. I have a closed out account due to a unauthorized credit card. I have never applied for an account with this company nor have I given anyone consent on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT EVEN AFTER THEIR SISTER COMPANY XXXX WHO PROVIDES EQUIFAX 3RD PARTY INFORMATION REGARDING THIS MATTER HAVE REMOVED IT FROM  THEIR DATABASE. LETTER ATTACHED FROM XXXX. 

THE FAIR CREDIT REPORTING ACT STATES THAT A BANKRUPTCY " CAN '' REMAIN ON YOUR CREDIT REPORT FOR " UP TO '' 10 YEARS WHICH IS THE LEGAL MAXIMUM, NOT THE MINUMUM. THEREFORE IT CAN BE REMOVED EARLY. 

XXXX & XXXX BOTH HAVE REMOVED THE BANKRUPTCY OF 6 MONTHS AGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to XXXX  XXXX for the XXXX time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you
Product: Debt collection

There is no debt. I received a letter from Enhanced Recovery Company , LLC ( in FL ). They claim I have XXXX XXXX XXXX debt, threaten to report me to national credit bureau, and offer a discount on debt if I pay within a month. I confirmed with XXXX there is no debt and they told me to disregard this notice. Per online research, this company has reported debts to the national credit bureaus, causing damage to individuals ' credit scores. They have my correct account number and name. Say if I do not dispute the validity of the debt with them, they will assume it is valid. I do not want to establish any contact with this company. 
I am reporting this scam here ( CFPB ) ( I was referred here by FTC when I tried to report the scam there. ) and state Attorney General 's Office. Also tried to report it as a scam to XXXX XXXX XXXX, they did not seem interested in taking the info. I do not want my credit damaged by this.
Product: Credit card

I had a secure card with Wells Fargo where I had to pay them {$500.00} dollars for a {$500.00} dollar line of credit to establish business credit. I cancelled my account XX/XX/XXXX, gave the address to which the money was to be sent. I never got a check so I make it to a branch and checked to see what happened ( I live in a city with no Wells Fargo ). The check was sent to the wrong address the first time. They tell me there is no way I can get the check in the branch so I give the correct address and have it sent to me again. By XX/XX/XXXX, I still have no check, so I call to check and see what is wrong and they tell me it was sent to the wrong address again ; the same address as the first time. I can understand them making the mistake the first time but the exact same thing happened the second time, and they ( Wells Fargo ) still refuse to give me a check in a branch. I call customer service again and they say the only thing they can do is have another check mailed. Giving that I went through giving the correct address two separate occasions, once on the phone and once in person, and the check is still being sent to the wrong place shows something is wrong internally and I should not have to wait months and months for money I had to give to them the same day to receive service. {$500.00} is a decent amount of money and they are doing nothing from a customer service standpoint to help me get my money. When I call and speak to a customer service supervisor, XXXX XXXX, she tells me the only thing she will do for me is take the correct address ( for the 3rd time ) and have another check issued ( for the 3rd time ) .I am filing this complaint because the system Wells Fargo has for returning money to their customers is obviously flawed and they do not have a customer service department capable of actually helping customers when dealing with large sums of money. This is unacceptable, who knows what can come up in 5-6 months where having that {$500.00} can impact my life ; especially when I had to turn it over on the day I opened account to get service.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting act XXXX Account : XXXX XXXX amount : {$910.00} date : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : {$1100.00} date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$740.00} date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$740.00} date : XX/XX/XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

.15 U.S.C 1681 : Section 602 states I have a right to privacy. 
.15 U.S.C 1681 : Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 
.15 U.S.C 1666 : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am attaching a prior complaint that still has not been resolved by anyone. I received a Cashier 's Check, it was not in the amount that was granted. 

I am attaching the prior complaint number XXXX. The same issues in the previous complaint still exist. 

I am only refiling because your portal says that the complaint was closed out. Again my expectations are for someone to contact me in writing or by phone and explain to me why my business as been blatantly disrupted, has placed me in more financial debt, and now their attempt to comply is not transparent.
Product: Credit card

wrongful closure of my credit cardsContacted the company directly the response was " bank policy ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, U.S. Department of Ed, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX 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 XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses corrected on my report. This is a violation of my consumer protection rights.