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

I disputed these accounts on my credit report because they're inaccurate. I found out they were inaccurate when I ran my credit report for a refinance on a home and these accounts and inquiries appeared on my report. I sent out a letter through the mail on ( XX/XX/2022 ) and its been sixty days!! since I've received a response. I sent out another mail ( XX/XX/2022 ) certified and I still haven't received a response. The credit bureaus are in direct violation of the fair credit reporting act. I would like these unauthorized accounts and inquiries removed from my credit report.
Product: Checking or savings account

Please note copies of emails comments available and in mail to you US BANK TOOK ACTION AND CLOSED ACCOUNT BECAUSE THEY DAID I MADE FRAUDULANT DEPOSIT FROM A LINKED ACCOUNT PAYABLE TO ME FROM MY OPEN XXXX ACCOUNT CHECKS RETIRNED UNPAID A MISTAKE FOR XXXX I HAD NO MOBILE DEVICE TO TRANSFER FUNDS ONCE FOUND MISTAKE I IMEDIATLY CONTACTED AND TRIED TO DEPOSIT CASH TO TAKE CARE OF OVER DRAWN ACCOUNTS ENDING IN XXXX & XXXX A MANAGED SENIOR ACCOUNT US BANK REFUSED SUCH STATING ITS IN CLOSED STATUS AND ALL DIRECT DEPOSITS AS WELL BRANCH DEPOSITS A XXXX US Bank took retirement Social Security income mine as well as my mother 's a XXXX XXXX XXXX XXXX senior accepted direct deposits not to mention my retirement deposit satisfied overdraft held the re remainer of available money over {$3000.00} dollars as of now 1 month laspe still not received please refer to comments and interoffice correspondences XXXX personal not from associate XXXX XXXX and XXXXXXXX XXXX  after review you will ser astonishing remarks about there position and there lack of power to correct not to mention the higher s lies to the response PLEASE EXSCUSE TYPO ERRORS AS IAM XXXX AND DO TO LACK OF FUNDS AND UNABLE TO UPGRADE IAM WORKING OFF A 4 INCH SCREEN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I recently received a copy of my credit report after calling numerous times and see that you are reporting inaccurate information on the personal information section of my credit report. The Fair Credit Reporting Act states that you must report with " Maximum Possible Accuracy ''. To diminish any speculation my information is as follows : Legal name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any other references to my name and address as they are not mine and I have never used them. Also please send copy of my credit report after these changes have been made. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Insert Date ] Subject : Credit Report Dispute under 15 U.S. Code 1681 Dear Sir/Madam, I am reaching out to address inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) . I have identified several discrepancies which I believe infringe upon my rights regarding the permissible purpose and accuracy of information. 

Disputed Accounts : XXXX  XXXX ( Account Number : XXXX ) : The reported balance and charge-off status are incorrect. 
XXXX ( Account XXXX : XXXX ) : There is a dispute regarding the closure status of this account. 
DEPT OF EDUCATIONXXXX ( Account Number : XXXX ) : The reported balance is inaccurate. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : There is a discrepancy in the reported account status. 
US DEPT OF EDXXXX ( Account Number : XXXX ) : Dispute concerning the closure status of this account. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : The reported date of opening is incorrect. 
XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ) : The reported account type is inaccurate. 
XXXX XXXX XXXX ( Account Number : XXXX ) : Incorrect closure date has been reported. 
I request a thorough investigation into these discrepancies and appropriate corrections to be made promptly. Enclosed, please find copies of documents supporting my dispute. In compliance with the Fair Credit Reporting Act, I anticipate a prompt and constructive response to this matter. 

Thank you for your immediate attention to these issues. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left. 
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again. 
I never received anything from the collection company notifying me that I was going to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Equifax has failed to respond to my disputes ( dated XX/XX/XXXX & XX/XX/XXXX ) of issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below Accounts XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XX/XX/XXXX {$300.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am in mortgage Forbearance due to covid and servicer is reporting account delinquent when according to cares act they should not be.
Product: Credit reporting or other personal consumer reports

Hello and good day, please take this complaint seriously as this has caused me undue stress and anxiety because I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing an item on my report that I never was associated with. I filed an FTC report as I was instructed to by TransUnion. I have sent in this report but this fraudulent item still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company XXXX reported an account they new was fraudulent Portfolio reported I informed them that was fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX.
Product: Student loan

Wells Fargo has been charging me late fees over the past 8 months that have not been necessary. I have paid {$28.00} for each late fee for multiple months. This is not including a {$35.00} late fee from another bank, XXXX, each month as they continued to draw from after I had filled out paperwork to have it come out of a different account and later had to cancel that account to keep from being over-drafted. I called to sit on hold with bankers for hours each time trying to correct the issue. Late fees of the recent months ( XXXX, XXXX and XXXX ) have been waived but not before effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am submitting a formal complaint regarding unauthorized inquiries that appear on my Equifax credit report. Upon reviewing my credit report, I discovered inquiries that I did not authorize, either verbally or in writing. I have contacted the creditors associated with these inquiries, and they have provided no proof that I initiated or authorized them. This lack of evidence directly violates the Fair Credit Reporting Act ( FCRA ), which mandates that only inquiries with a permissible purpose may be included in a consumer report.

According to Section 604 of the FCRA, consumer reporting agencies may only include inquiries when there is a legitimate business need, and the consumer has initiated the transaction. As there is no such authorization or purpose for these inquiries, they should not be present in my report. Additionally, Section 609 of the FCRA requires credit reporting agencies to physically verify and retain original consumer authorization for each inquiry listed.

I demand that Equifax provide verifiable proof of authorization for these inquiries, specifically by producing original consumer contracts with my signature. Without such verification, the FCRA mandates the removal of unverifiable inquiries to avoid negatively impacting my creditworthiness.

The unauthorized inquiries on my Equifax report are as follows : Creditor : XXXX XXXX XXXX XXXX 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/year> I respectfully request that the CFPB investigate why Equifax has not removed these unauthorized inquiries and ensure Equifaxs compliance with the FCRA by promptly verifying or deleting these inquiries as required by law. 
Thank you for your attention to this matter and for helping ensure that Equifax maintains only accurate and authorized information on my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am lodging a formal complaint against lvnv funding. this debt buyer has intentionally continued to report derogatory information on my credit reports that isnt mine.i have requested thru mail since XX/XX/2017, debt validation for this account on my reports. and they have ignored my request but continue to report every month. lvnv also never sent me a dunning notice in the mail before they reported which is a violation of the fcra/fdcpa act. i have called and spoke to them about this and they continue to tell me we dont have to send you anything in the mail before we report on your reports which is a lie. this debt is for a XXXX XXXX XXXX credit card which i never had before. ive never had XXXX XXXX XXXX   on any of my credit reports which i spoke to them and told them. the representatives told me they dont care and i need to just pay. i am in the process of purchasing my very first home and this errounous account is holding me back. i am requesting immediate deletion of this account from my credit reports and no further action will be taken. if not i will be reporting to my state and lvnv state attorney general offices, and contacting legal options. thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I have contacted Lexis Nexus, XXXX, XXXX, and XXXX. About a XXXX  XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my information the 3 credit bureaus to have the incorrect and inaccurate information remove my credit reports ; the information stills remain on my report and I would like them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a long history of a credit score of XXXX. After I took out a car loan with XXXX for 48 months I paid it off in 18 months. I made all payment well in advance of due date. 
The loan was paid off over a year ago yet TransUnion Credit Bureau continues to carry my score at XXXX with a sub note that says they have no current information. I have not checked the other credit reporting companies but I expect to obtain a score of XXXX due to the fact that I have paid off the one obligation that dropped my score. TransUnion has on their records that the loan was paid off over a year ago ( XXXX balance ). 

I paid cash for my house with no other loans outstanding and pay all of my credit card bills in advance. Balances have always been about the same yet the score has never been changed from XXXX. 

I talked with a TransUnion rep and got nowhere except to contact this agency. Please forward to ALL credit unions.
Product: Debt collection

My bank account had a court ordered hold placed upon it and when I contacted them, I was told that a debt collection agency, called Cavalry Portfolio Services, had done so. I received some paperwork about the debt from the collection agency after I contacted them, and found that they delivered paperwork in 2015 to a XXXX  woman, and did not get her name. No one of that description lives at my residence and I have no knowledge of opening the credit card with the original credit, XXXX XXXX XXXX XXXX.. The bank deposited the amount that was originally in my account back in my account, which I used to pay bills, and afterwards another hold was placed. The bank does not who placed this hold, however, I am suspecting it is the same collection agency. They have also caused my balance to be negative because I used the previously released funds to pay my bills. This a case of identity theft as I did not open this credit card at all and was not notified of any balances I had due nor did I have any inkling of who opened the account or that it had been opened in the first place.
Product: Checking or savings account

I don't have a date other than XXXX when I received a debit card for an apparently fraudulent ATM card for a citi bank account that I did not open. Upon calling them and explaining this situation was mailed paper work to be filled out and sent back. Having done this was notified that my fraud claim was denied. Called them to say that if I had opened this account ( which I did not ) I should be able to close it. Was told that the account could nat be clossed until an appeal had been made. I don't want to appeal but if they feel that I opened the account I should be able to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my collection debt with credit card in XX/XX/2022 and I am unable to submit my paperwork to all three credit reporting agencies therefore I am requesting it be submitted through your agency.
Product: Money transfer, virtual currency, or money service

Me, XXXX XXXX I did the past XX/XX/XXXX a XXXX  USD money transfer from XXXX to XXXX   with the company MoneyGram and never arrives to the receiver XXXX XXXX (account number XXXX XXXX XXXX XXXX // XXXX XXXX // Order number XXXX) I'd contact the last time with the company on XX/XX/XXXX and they open an investigation about with the number XXXX, after that it was imposible for me to contact again with them and I been losting my time and money calling to the company.After two months trying to fix it with the company MoneyGram it's still not fixed and I don't know where is my money.
Product: Debt collection

I had been asked by a company and/or person that I don't know to pay a debt of approximately 600.00 USD.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX, I received a call from XXXX XXXX from Phoenix Financial stating they were trying to collect on a medical bill from XXXX. XXXX explained the bill was from the ER. I explained to XXXX that I had not been seen in the ER in XXXX, which he was referring to, and that debt was not my debt. XXXX proceeded to ask me, if I would like him to inform me of what the hospital visit was for. When he asked that, I realized that is not only a HIPPA violation, but also a violation of the FCRA. More so a HIPPA violation rather because I informed XXXX that that medical bill did not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble getting the proper information to update on my credit file. I was a victim of fraud I have been moving back and forth from XXXX XXXX   to XXXX, XXXX. Someone in XXXX XXXX   has been using my name and information. I have filed a police report with XXXX Police Dept and FTC Identity theft affidavit. Please remove/delete the following addresses : XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL   XXXX THE FOLLOWING ACCOUNT HAVE BEEN REPORTED TO THE POLICE AS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX / XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I have submitted BARROWERS DEFENSE Application on XX/XX/XXXX for XXXX XXXX XXXX I get approved on XXXX or XXXX and have received {$1500.00} or something on refund and on XX/XX/XXXX I have received another {$540.00} I think of another refund. However, there may have been some confusion on how much my refund should be. Because there has been payments posted on my account from XX/XX/XXXX to XXXX and XXXX and I have not received them yet. I have tried reaching out with Federal Student Aid and Mohela and Mohela has failed to deliver the issues knowing that they are my servicer.
Product: Credit reporting or other personal consumer reports

According to my XXXX, XXXX and XXXX XXXX the company in the name of INNOVATIVE RECOVERY ( for {$3100.00} XXXX XXXX XXXX has a collection on my credit report that is an unverified account. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

This is not my account I've been living in the state of Georgia since XXXX please see copies of my drivers license with the date that the license was issued, remove this from my account as I'm trying to purchase a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card executive office plus its account representatives have purposely sent personal account information to this make believe address they created and have used without my permission, plus have submitted this wrong address information to the credit bureaus thus causing me hardship in verifying my identification and compromising my personal information, thus giving ID thieves the opportunity to hack into my accounts. I have made over dozen attempts contacting their executive office as well as representatives giving them the correct address, yet they wrongfully and purposely continue to claim this as my address n conversations, even though the executive office sent documentation to the correct address on XX/XX/2021. On tp of that, many of the representatives have been rude and uncooperative causing extreme stress and anxiety. Often when I call, they transfer me around to different departments and representatives, some are rude and hang up. I contacted the credit bureaus to correct this misinformation, however they state that the only correction for this can come from the reporting agency ( XXXX XXXX ). So because this address is listed on my credit report, it compromises my ability to find housing. XXXX XXXX XXXX and its representatives have purposely lied and defrauded me over and over again.
Product: Mortgage

Our previous VA mortgage lender was XXXX XXXX XXXX. Our loan was placed into forbearance due to the pandemic. During this time our loan was sold to Freedom Mortgage. Almost immediately we begin to have problems with freedom mortgage. Several different departments begin to contact us and tell us that our loan was in forbearance And that our loan payments were late. We disputed this. Out of fear of misunderstanding and confusion we brought our loan to balance despite having 30 days by law due diligence not yo make any payments and asked that we remove the loan from forbearance immediately. They failed to do do so after three separate requests on recorded communication. They continued to contact us by email and phone calls for several weeks telling us that the loan was still in forbearance and that we owe them money with late payments. We then received a letter from Veterans Affairs stating that if we were having trouble making our mortgage payments that we should work with freedom mortgage indicating that freedom mortgage notified them of late payments when this was never the case. 

Meanwhile a Freedom Mortgage loan agent XXXX XXXX contacted us and told us that we were eligible to reduce our interest rate by law with our VA mortgage. We initiated the process for refinance. After several miscommunications XXXX XXXX stopped responding to our emails and failed to return phone calls with questions. We requested supervisor assistance. 
Then we were informed by an agent with freedom mortgage by telephone that our VA refinance was denied due to notice of late payments in last 30 days which was incorrect. 

We initiated over a dozen calls to freedom mortgage and emails requesting to speak with the escalation department and senior manager to resolve our problems. They failed to return our calls and no manager contacted us and they continued to provide us completely misleading information from multiple departments unable to answer any of our questions. 

As of XX/XX/2020, we have received no return calls nor any updated information regarding the refinance or status of our loan. Our agent XXXX XXXX will no longer return our calls or emails. We are unable to obtain any information from freedom mortgage at this time. 

We have initiated refinance and acquisition of our loan through another mortgage lender at this time.