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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX, XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

In the month of XXXX I requested validation of debt after noticing numerous amounts of accounts furnished on my consumer report that I have no knowledge of or were created without my authorization. Ive disputed the issue with no response or reasoning from credit bureaus. They keep saying my dispute was made in error, a complete stall tactic!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Bureau firm stating the ID I submitted was insufficient to verify my address and identity.

I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience. Second time I sent disputing letter to Bureau and received no response.

They have sent me a letter that indicates WRONG DATE on this account, not the same as what it shows on my report. Besides that I strongly believe this account is Mistaken Identity. 

XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at around XXXX, I transferred {$1500.00} to XXXX  using sendwave. 48hrs the transaction is stating PROCESSING. 
Sendwave have very poor way of communication. Their customer care number given never gets through. I took along time before I knew what's going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Department of EdXXXX 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

identidy theft i reported it descrefencies in my experian credit report and hard inquireis i did not apply for any credit.
Product: Checking or savings account

On XX/XX/2022, a transaction for {$1500.00} was externally transferred from my savings account at Boeing Employees Credit Union ( BECU, routing number XXXX ). 

This transaction is marked as " XXXX CREDIT CARD CSQRPAYMENT - PAYMENT '' I have no business with XXXX, nor do I hold any related card. ( My card holdings are with XXXX, XXXX, and XXXX XXXX XXXX, XXXX co-branded with XXXX XXXX XXXX. ) On the evening of XX/XX/XXXX, I was doing routine account maintenance and noticed the missing money. 

On the morning of XX/XX/XXXX, I contacted the fraud department regarding an erroneous transaction. The agent identified the account name as " XXXX XXXX '' ( I am not XXXX XXXX, nor do I know any such person ). I completed voice authorization for a " written statement of unauthorized debit '' and was told this would take 2-5 business days to complete. 

BECU created a new savings account and transferred the remainder of my savings funds, but has not restored the missing amount. 

Further, the new savings account is of a different account type ( " XXXX XXXX '' instead of " Member Advantage '' ), which is forfeiting premium interest rates, free services, ATM fee refunds, and other services of value. 

It is now Friday, XX/XX/XXXX, and I have received no further communication or update from BECU, and have not had my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I filed a complaint of fraud for this account. I asked them to send me the validity on this account and how it was opened. I have not received it and they keep reporting to credit bureaus. They have been " investigating '' since XXXX but keep reporting. I spoke with XXXX and he said they need my information and haven't done anything but sell the debt to XXXX XXXX XXXX. I have asked for this to be removed because I didn't open this account.
Product: Debt collection

CREDIT CORP SOLUTIONS is in violation of the FDCPA.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified my specified remedy as a consumer, and the original creditor i am demanding all of the following : 1.Deletion of account from all consumer reports.

2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts listed are not mine and should be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft. 
The account from XXXX XXXX XXXX  XXXX is resulting from Identity Theft should be blocked from my credit report. The account number to this account is XXXX Please block this information from my credit reports, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 




Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from fraud within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
FCRA 605B ( 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. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Debt collection

This debt is from XXXX XXXX and I do owe for one last month of service, nothing more than that. 

I received a letter from a new collection agency called Diversified Consultants, Inc., explaining that I owe a much larger sum and also added a " Collection cost '' to the balance.
Product: Vehicle loan or lease

I purchased a vehicle a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX I was told credit acceptance approved me then after getting the vehicle told a week later they denied me after they told me I was approved. The vehicle had already been registered and listed them as the lien holder. Now Ive secured fininacing with another company but credit acceptance refuse to release the lien on the vehicle so the new company can go on the lien.
Product: Student loan

I took out a XXXX XXXX from XXXX which was then bought by Discover. I received a deferment on paying back the loan and the loan capitalized adding {$500.00} to my principal. Discover never adjusted the principal amount when reporting to the credit reporting agency so although I 've paid over {$800.00} in principal its being reported that I 've paid far less which has had a negative impact on my credit score and ability to obtain credit. I attempted to resolve this issue through Discover but they refused to help. Then I attempted to submit a dispute with the credit agencies individually by providing them with a statement of all the payments made to Discover showing the Principal amount is inaccurate. They completed their investigation and refused to correct the error because Discover informed them the principal amount is correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report. I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have this account removed to protect my credit.

The account in question is as follows : 1. XXXX  - Account Number : XXXX - XX/XX/2016 - {$0.00}
Product: Mortgage

An electronic debit transaction payment was made to American Pacific Mortgage for the amount of {$1400.00} on XX/XX/20 for the first payment of loan # XXXX and the wrong account number was entered but payment was processed by this mortgage company and I had to make another payment that was due before it was considered to be a late payment. I made the second payment to APM on XX/XX/20 and the mortgage company has not refunded my overpayment. They continue to give excuses and have not sent me my money. The Mortgage APM XXXX XXXX XXXX has been avoiding my e-mail contacts and have deleted my messages.
Product: Debt collection

XXXX XXXX is calling several times a day, 7 days a week. I have explained my situation to them several times, but the constant barrage of calls every day is harassment in my opinion.
Product: Money transfer, virtual currency, or money service

I am writing to 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 many times, and reporting discrepancies through my bank and through the company, 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 me, the customer but also allowed repeated offenders to exploit the system, leaving users like me vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about my safety as a frequent user.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding my credit report with Equifax. On XX/XX/XXXX, I contacted Equifax to report and dispute the following inaccurate information on my credit report. To date, I have not received a response from them. Please find below the details of the disputed accounts and the corrections required : The following account does not belong to me : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$720.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$660.00} Request : Please remove this account from my credit report. 

The following account does not belong to me : Creditor : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2200.00} Request : Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX. XXXX XXXX XXXXXXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

Collection Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/XXXX, I, XXXX XXXX received a letter from " Equifax '' dated " XX/XX/XXXX '' demanding/requiring that I provide sensitive personally identifying information via the mail service to verify my identity. This is unreasonable and unacceptable. Countless times, I have attempted to have a fraud alert placed on my Equifax credit file due to recent data breaches that I have been notified about. Equifax has been impossible to work with. Equifax has been unavailable and inaccessible. Equifax has a storied history of problematic organizational behavior. 

According to Equifax 's website =XXXX XXXX XXXX XXXX  " Participation in Trade Associations Our participation in the political process is designed to promote and protect the economic future of Equifax, our shareholders and employees, and we maintain memberships with a variety of trade associations in the United States for that purpose.

Set forth below are the names of U.S. based ( 1 ) trade associations, ( 2 ) tax-exempt organizations that write and endorse model legislation, and ( 3 ) 501 ( c ) ( 4 ) social welfare organizations, in each case, that are engaged in U.S. lobbying activities, managed by the Equifax Government Relations department , and received annual payments from Equifax of at least {$50000.00} in XXXX : Consumer Data Industry Association National Employment Opportunity Network ( NEON ) Better Identity Coalition US . Chamber of Commerce The aggregate annual amount paid by Equifax to all such organizations in XXXX, including but not limited to those named above, is approximately {$1.00} XXXX. '' It is clear that Equifax is only interested in benefiting themselves and NOT the American people or Americans like myself. 

The corrupt U.S. government allows companies like Equifax to keep on keeping on. All the while Equifax has refused to assist me both now and in years past. This is now well documented in my various Consumer complaints with this agency over the past number of years. 

Fortunately, XXXX quickly assisted me online with placing a fraud alert on the XXXX credit file and assured me that XXXX had also notified XXXX and Equifax to do so as well. With that said, I have ZERO faith that Equifax has followed through on that notification. 

XXXX also notified me that they too have placed a fraud alert on my XXXX credit file and assured me that XXXX notified XXXX and Equifax to do so as well. Again, I have ZERO faith that Equifax has followed through on either of those notifications. 

I am submitting this latest complaint to draw attention to Equifax 's business practices which I find to be both gross and nauseating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unwarranted inquiries listed on credit report : XXXX : XXXX XXXX  Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX TransUnion : XXXX XX/XX/XXXX XXXX XXXX Finance ) XX/XX/XXXX
Product: Consumer Loan

hello my name is XXXX XXXX and I believe I am being ripped off by the XXXX XXXX XXXX in XXXX I bought a XXXX dodge caravan that had a 5 year contract to own. in the XXXX year the whole computer mother board went up which they said was very rare we went back to the XXXX XXXX dealership and they put us in a XXXX dodge caravan which was being test drove so it had XXXX miles already on it it was going good until after 6 months the tires had to be replaced then it kept making horrible noises and shaking so we took it to the dealer where the fixed it it took almost 2 weeks then 4 weeks later the same issues with the shaking we put it back in the shop and it stayed there for a week then the issues started again so when we called the XXXX XXXX dealer and they said they were recalling the XXXX XXXX caravan and it would be bought back from us so that is what we did it was alot of other people doing the buy back program the car still had a balance due of XXXX the dealer said they were buying the van back from us for XXXX and the difference would be put on the new loan for XXXX so XXXX and XXXX was supposed to be the new loan they also said the same lender was financing the XXXX loan and i was getting XXXX off of that ..so I received a statement from XXXX XXXX stating that I owe them XXXX and that they financed my loan and that the XXXX is the principle of the loan and that my payments are XXXX dollars a month for 6 years ... .I need help.
Product: Credit reporting or other personal consumer reports

Please remove the accounts listed below. I am victim of debt bondage and identity theft and I need these accounts removed in accordance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX {$4600.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX At least 120 days or more than four payments past due {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3700.00} XX/XX/XXXX {$4100.00} XX/XX/XXXX {$3800.00} XX/XX/XXXX {$4600.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$4800.00} XXXX LOAN ASSIGNED TO GOVERNMENT COLLECTION ACCOUNT XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU Many of these accounts were reported as delinquent however these accounts are currently in good standing and need to be removed from being reported as such. 

Any addresses or phone numbers that do not accurately identify me should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three credit company refused to put the right credit score on my paperwork i think i am a victim of my information being used in the wrong way i have no funds save up yet but i feel that i still need to know my real credit score my rights as a cardholder is not being handle right by all three credit company i think they should look at a little closer thank you XXXX XXXX XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian about a paid and closed account with XXXX XXXX XXXX. The account was paid in full and closed but was showing as open with no reporting of payment for 60 days. Due to this, I was denied a mortgage. After calling XXXX, I was given a paid in full letter and told to dispute the information with the credit bureaus. I complied and submitted the letter from the company, payment confirmation numbers and emails for the total balance in question. The results came back today that XXXX certified the wrong information as correct. I called them immediately and they said that was impossible because my account is closed. Also, if I have and submitted documented proof, someone at the credit bureau should have at least looked at it. They clearly did not. If consumers are reporting a creditor for reporting false information ( especially more than once ) why would the bureau automatically take their word and not really investigate it. Ive let it go for years and accepted the results but this is actually costing me opposed its wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I filed several disputes to all XXXX major credit bureaus and I have received no answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.