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

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, includes : -Conducting inadequate investigations that fail to address consumer disputes properly.

-Reinserting previously disputed and inaccurate information without explanation.

-Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe mishandled in a similar manner.
Product: Debt collection

In XXXX I went to my local XXXX XXXX XXXX XXXX located in XXXX XXXX, NV to pursue assistance with XXXX. I was advised to go to XXXX by XXXX XXXX XXXX XXXX XXXX. I checked in with a nurse that XXXX and I basically waited a few hours into separate rooms. One of the waiting room amongst other patients waiting to be seen and secondly, within the hallway where I was awaiting to speak with anyone for help on obtaining XXXX XXXX XXXX XXXX. By the time I waited in the waiting room, which was basically a hallway. I only met with the XXXX, not XXXX  that I wasnt able to be assisted, but I will still be charged for the visit. 

The death was obtained by Aargon Collection Agency. Earlier this year ( XXXX ) I did inquire with the agency for proof of debt which they were able to provide however, the bill never specified why I was charged close to {$840.00}. Furthermore, on XXXX XXXX, I did sent out a mail out to the agency and hopes of requesting to have the debt cleared Or if probable if we could arrange a lower payment amount to clear the debt. Over a month later, I have never received any response from the mail I sent out to Aargon Collection Agency.
Product: Student loan

I have being paying my student loan ( {$500.00} ) plus extra each month ( approx. {$250.00} ) to pay off faster & I have been doing this for years. The " Amount Due '' has not changed since interest rates ( prime ) were lowered XX/XX/XXXX/XX/XX/XXXX. Suddenly XX/XX/XXXX they lowered my payment by {$110.00} and applied an additional {$940.00} to the principle. I found this odd so I called 3 times to get an answer from them. I was promised 2 times that they would send additional information to explain what happened & prove that they rectified the situation correctly but I have not received anything yet. They can not provide any detail over the phone except it was taken care of correctly. One of their reps was extremely rude.
Product: Consumer Loan

XX/XX/2015 I had applied for a loan with several lenders, one being Quicken Loans for money to build a house using land that I currently own and live on. In the course of the conversation I was treated fairly and basically told I had the loan but towards the end of the conversation I mentioned we own some XXXX not really thinking it had any reference. I was then told that the loan is denied as they ( quicken ) do not make loans to XXXX? I explained that we do not make a living from XXXX, we just have more or less a hobby..some XXXX and XXXX. 
Is this a legitimate reason for determination : I later received a written letter stating reason was unacceptable property type. My credit is excellent by the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request through the LexisNexis website to receive a complete and total copy of my consumer report. I received a letter dated XX/XX/2019 with a link and a PIN code and instructed to use these in order to obtain my report. The PIN code never worked so I contacted LexisNexis via telephone. The representative who answered my call said they would email me a new PIN code. The email never came. I called again and was told the same thing again and the PIN code never came again. I checked ALL folders of my email. I still want a COMPLETE and TOTAL consumer report of any information LexisNexis has on me but I want it printed out and mailed to me at my address as indicated in this complaint. No more PIN codes that do not work.
Product: Debt collection

Hewitt Capital LLC Has been contacting other people after have they have been already in contact with me. Disclosing my personal information about my loan to other contacts. Repeatedly calling my ex boyfriend with phone calls and my step father.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY TRANSUNION REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unverified Collection on Equifax Report Dear Customer Relations, I am writing to formally dispute an inaccurate collection account that remains on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, credit reporting agencies are required to ensure that all reported information is accurate, verifiable, and fair. 
Both XXXX and XXXX have conducted investigations into this collection account and determined that the debt was unverifiable. As a result, they have removed the account from my credit profile. However, Equifax continues to report this collection despite its inability to verify the debts accuracy, which violates my rights under the FCRA. 
I am requesting that Equifax immediately re-investigate and remove this erroneous collection to maintain compliance with federal consumer protection laws. Please provide a response in writing regarding the outcome of this request. 

I will like this removed from my report ASAP!
Product: Vehicle loan or lease

I fell behind last year on my car payments due to COVID. My employer tested weekly and if anybody tested positive he would send the whole office home for XXXX days. This happened numerous times. I contacted Wells Fargo and asked for help explaining what happened and was told I didn't qualify for assistance.I filed a complaint with CFPB and then XXXX from the executive offices at corporate called and provided anumber to call and said they would work it out. But when I call I am again told I don'y qualify. Last year I manager to get 2 Payments deferred ( not the whole balance due ). Then I was told this would be it even though I was still behind. My father made a double payment in XXXX to help. I was still behind in XXXX I received a letter statingthe enyire balancew was now due ( 37305.44 ) in XXXX equal payments of XXXX. I told them I can not afford this and also told them that I DO NOT AGREE TO A SELF HELP REPOSSESION AS THIS WILL LEAD TO A BREACH OF PEACE. I filed a complaint with the XXXX dept. of XXXX XXXX and comsumer protection on XX/XX/2022 and was told it was a national bank. 
I was told to contact the CFPB again.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine
Product: Debt collection

Received a call XX/XX/XXXX at XXXX, from a gentleman stating that he was a license carrier part of a national carrier and he was trying to locate me because a formal complaint has been filed against my name and my social security number to appear in court. He said he could grant me a period of time to contact the filing party to update my address for the summoning date and place a possible stop order on his services.He said to contact the filing party at XXXX and reference the docket number XXXX. I then googled the phone number and nothing came up. I also search the docket number on the Georgia public service commission website and nothing was found. I then called the number and spoke with XXXX XXXX at extension XXXX. He stated that I owed a payday loan for the amount of {$2300.00}. I received this exact same call in XX/XX/XXXX. I told him I have already paid this and I have receipts. I then asked him to provide his email address so I could send him the receipts. He gave me the email address : XXXXXXXXXXXX Once emailed I immediately received a mail-daemon that stated the mail could not be delivered. I called back and asked to speak with XXXX XXXX and told him that I did n't have the right email address because the emails were sent back. He said that they had received the emails and that it looks like I paid a fraudulent company. He then advised me to take the paperwork to court. He also gave the option to settle out of court but I told him why would I settle if I already paid. I then told him that I would speak with my lawyer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX report me again to the credit bureau that i have 120 days late payment, and my credit score went down again. i have automatic payment every XXXX of the month and my due date is every XXXX of the month, this is happening several times and i even contacted them and asked whats going on they dont give me a straight answer. im having a big purchase and if my loan in jeopardize because of this matter i will do some legal action against them. the {$150.00} gift card is not enough for the stress they caused to me. definitely im not making any loan again to the XXXXXXXX XXXX XXXX again.
Product: Debt collection

I was sued by ABSOLUTE RESOLUTIONS INVESTMENTS LLC. We went to trial on XXXX  XXXX, XXXX and the case was dismissed with prejudice. There is a judgment entered. However, this company is still reporting it to my credit as negative for the past year.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX Balance : {$110.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Is reporting inaccurate, out dated personal information on my credit profile. They're reporting : Incaccurate Name Inaccurate Date of Birth Inaccurate Address Inaccurate Employer
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been XXXXischarged previously and post discharged inform not reflected on my credit report.

The post discharged has been going on for over three years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 it was reported to XXXX XXXX that an account from XXXX XXXX XXXX XXXX XXXX was opened in my name for XXXX dollar line of credit, of which half of it has been used, lowering my credit score by XXXX and who knows what else. 

I attempted to contact the parent company of this program only to run loops through their automated system, in order to dispute this account. 

I DID NOT open this, nor authorize it being opened. I am not responsible for this
Product: Checking or savings account

After 2 consecutive complaints about excessive overdraft fees that have been unlawfully charged to my account. Td bank still charging me a fees over the fees that overdrawn my account tremendously. Each time I called them I explained them that I wire the money before XXXX pm the same day and they keep treating me like a nobody and refuse to help me out. Im XXXX person with XXXX and XXXX XXXX XXXX and this situation put my health at risk. 
An amount of {$450.00} charged to my account in 2 days is so unlawful in regard of the consumer overdraft protection act that state to be charged 1 overdraft fees a months and 5 over the year. 
I never enrolled on any overdraft protection agreement with td bank.
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. 

Account Name : XXXX  XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX FCU Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX and list of Inquiries 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

XXXX XXXX  is a charge off listed with a past due balance which is incorrect. They keep validating the debt instead of deleting for inaccuracy. 

Late payments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX negatively impacting and according to 15 U.S. Code 1681a,15 U.S. Code 1681a1 and also 15 U.S. Code 1666b should not be reporting but they will not delete
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my wife contacted Truist Bank about a lien on our HELOC we have through them. When the HELOC was approved in XXXX, neither the bank nor appraiser noticed that the property linked to the HELOC was not the property that should be linked to the HELOC. We have given 2.5 acres to our daughter to build on the land that is owned outright and located on the property the lien is incorrectly on. We requested on XX/XX/XXXX that a partial release be made immediately so our daughter can move forward with her build and then have the HELOC linked to the correct piece of property. My wife and I have contacted the bank numerous times to get this resolved and never receive any information. The person we originally contacted to fix this talked to my wife once and myself once and then would not answer or return our calls. I went to the bank in person, got nowhere and then went to a different branch. It has been almost 4 months now and I am still not being given any information other than it's with the legal department. This was a mistake made by the bank and should have been corrected immediately. My daughter has been unable to move forward with her build which could have been mostly completed had it not been for the incompetency of Truist bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, Has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666BB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent cfpb lawsuits highlights significant issues. 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 findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scam.
Product: Checking or savings account

I had a account with Wells Frago and I decided to deposit check of my wife to my account of bank and I did have a total of {$1000.00} and I never closed my account. They just notified me my account was closed and if in 30 days they did not receive any information of me than they would return the funds to the direct deposit company they did give me the check from. I have also tried to call customer services and they let me know they will be sending me a check with the amount to my mail box and I have not received anything as of now.