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

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX 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 : {$0.00} 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 XXXX Balance : {$3600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Credit reporting

Equifax is reporting incorrect & false payment history of this account, they are refusing to update and remover this item. I have submitted supportive documents from creditor. the creditor has reported different date to XXXX & XXXX which have removed / deleted the account off my reports.this account is having a negative effect on my credit. the account was first reported negative in XX/XX/XXXX, but they are back dating saying it was XX/XX/XXXX. this account has never been current since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  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 Thank you very much
Product: Debt collection

I received a certified letter signed by mail carrier dated XX/XX/XXXX from Statebridge stating if I do not satisfy defaulted loan, owner of Note may commence with foreclosure.I have been calling and emailing Statebridge a few times a week and have not received instructions on where to submit in writing and to whom for a complete results of why my request to settle the {$32000.00} principal balance. I spoke to Loss mitigation and they said I am being charged over {$50000.00} in interest and payoff would be approximately {$80000.00}. When I call Statebridge I have to hold for a couple of hours and usually have call end stating due to high volume of calls, unable to complete my call. The only way I get a response is if I include loss mitigation dept., and since my last request on 5/14/21 ; I mentioned I would have to file a complaint due to no response on instructions, no payoff received and no details on my request to settle this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit information is being illegally shared by banking institutions and third party institutions, companies to credit reporting agencies and the credit reporting agencies are causing defamation of my character. The accounts being shared are XXXX XXXX XXXX Account # XXXX, Division Of Child Support Account # XXXX I the Consumer have rights according to the The Fair Act Reporting Act consumer laws. This law governs everything that anything that gets reported to my consumer credit report, I the consumer determines what is to be reported and what is not to be reported to my consumer credit report. I did NOT give any banking or third party institutions, companies consent or permissions to share my personal consumer information. 15 USC 1601 states banks and institutions are supposed to protect my consumer information and not share unless I give consent. 15 USC 6801, 1602, 1603 law clearly states ( A ) Before you report my consumer person information, you have to inform me. ( B ) Before you report my consumer person information, you have to inform me and I have to respond with a yes or no response. ( C ) If I answer NO, you are required to inform me on what I need to do to insure that you dont report my personal consumer information obtained by banking or 3rd party institutions. Disclosing OR sharing nonpublic personal consumer information to banking, institutions, affiliates and nonaffiliated third parties is completely illegal according to the Fair Credit Reporting Act Consumer Law. In accordance with the Fair Credit Reporting act, my rights have been violated and I demand the immediate removal of any negative items, late payments that was shared to personal consumer credit report without my permission. Continued unsubstantiated reporting of my personal consumer information to third parties may provide a basis for formal complaints being filed pursuant to federal institute. Within 30 days of this notice, either remove the negative trade line notations from my consumer credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. I have contacted my local Congressman to have your deceptive and fraudulent documents promptly forwarded to the Federal Trade Commission, Attorney General and the Postal Inspection Service For further scrutiny. Please DELETE all negative consumer personal data IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations 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 notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed several different credit inquiries on the same day XX/XX/year> from XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX of XXXX. Neither company was given my permission to obtain or view my credit report. This was a clear violation of my privacy and rights as a consumer. My credit report was abused and used negligently. Due to this my score was negatively impacted causing me grief and anxiety.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I went into the physical location to complete paperwork for a loan. 
Over the days leading up to XX/XX/XXXX I spoke with the Branch Manager ( at the time ) of my intentions of purchasing a vehicle. 
I had a vehicle I owed {$4800.00} on financed with a different company and a {$6000.00} personal loan with Lendmark. Branch Manager suggested I combine the XXXX loans under my Lendmark loan and be able to get cash in hand with the refinance and merger of loans. Getting this cash in hand would give me cash to put a down payment on a new or newer vehicle. 
When I arrived XX/XX/XXXX, it went all down hill. I was abused through harassment and ableism by the Branch manager to the point that they were fired. The branch manager unfair and deceptive about the way the loan product worked when merging into a " partially collaterized personal loan '' and slapped a 36 % interest rate on the loan. So this would mean my vehicle worth {$4800.00} from its loan, when its actual book value is {$2500.00} aprox., is attached to a loan of roughly {$12000.00} for 60 month for a total with interest payment of $ XXXX. 
There is so much more to write about UDAAAP violations by the branch along with the branch manager trying to bribe me to keep quiet about the issue. 
Now as of XX/XX/2022 the branch has a new manager and they are committing UDAAP violations and lying and being deceptive in their practices.
Product: Credit card or prepaid card

Hi I called in and I requested a credit line increase on my citi Best Buy credit card and i ask the agent to pull my credit report today on XX/XX/2020 and they said they did but I didnt receive any messages from XXXX  that hard inquiry was in place and citi Best Buy didnt pull my credit today and went by a old credit report with a soft inquiry back in XX/XX/2020 and I had a bunch of fraudulent items on that report and it was removed from my credit file with XXXX  the beginning of XXXX this year and citi discriminated me based on my race and sex and it was denied and I have good credit and no late payments at all and I dont know how long I need to wait ... I would like to closed this account if citi cant pull a hard inquiry on my credit report if that want play games and want go by a older credit report and denied me
Product: Mortgage

In XX/XX/XXXX, I inquired with a loan officer from Chase Bank to refinance my mortgage on my condo, which I informed him was unwarrantable. He represented that he had done many closings there before, it would be a 60-day process, and he would be able to assist me through the process. On XX/XX/XXXX, I received a loan estimate stating the interest rate would be 2.49 %, with no points and {$2900.00} of closing costs. From there, the process was handed from my loan officer to a customer care specialist. Although I uploaded all documents requested in timely fashion, the customer care specialist was unresponsive and the closing ended up being on XX/XX/XXXX, almost four months after the process began. He informed me the delay was because he had no experience with unwarrantable condos and was not aware we needed to schedule an appraisal. My final closing disclosure stated that my interest rate would be 2.75 %, with {$3800.00} ( {$1100.00} due to points ) in closing costs. I raised concerns about the new terms which I wasn't aware of. However, I was encourage by both the loan officer, and customer care specialist to follow through closing because they would refund me the cost of points and a customer care credit of {$500.00} due to the new rate and my experience. It is now late XX/XX/XXXX and I have not received any of the promised refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined of a credit card XX/XX/XXXX. I then ordered my credit reports. On my Experian report, I noticed harmful/ fraudulent information. I investigated and found identity theft by the name used XXXX XXXX on financial contracts that were signed XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX for {$5000.00}, ( ACCT # XXXX ) /contact # XXXX XXXX. This account/ patient was charged for a procedure that never took place w/ NO patient medical release from XXXX. A premedical exam was shown to done w/ NO additional medical labs work, NOR any medication delivery. 
My name is XXXX XXXX NOT XXXX XXXX as reported on this account by XXXX XXXX aka XXXX XXXX ( Experian credit reporting ) as ACCURATE INFORMATION by Experian. 
I disputed this information by phone, mail and online with Experian XX/XX/XXXX, file # XXXX with proof of my ID of identity and fraudulent account. Experian was contacted by phone, mail, online dispute received of my ID, police report of ID theft XX/XX/XXXX, case # XXXX, FTC theft report # XXXX and contact was by mail and phone to both XXXXXXXX XXXX XXXX XXXX of fraud/ ID theft. 
To NO prevail, Experian continues to report fraudulent, ID theft and inaccurate information as " VERIFIED AND ACCURATE. NOTE : Experian along with XXXX XXXX is in multiple violations of the Fair Debt Practices. 809. Validation of debts : 15 USC 1692g ( 1 ), ( 2 ), ( 3 ) & ( B ) 804. Acquisition of location information:15 USC 1692c ( 1 ), ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It is now with due diligence that government intervention is necessary in these fraudulent, credit harmful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy. 

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$54000.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of duties, particularly in light of the recent CFPB lawsuit highlighting the 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 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: Debt collection

I need the CFPB to take a second look at this clear fraud. 

XXXX RESPONSE FROM XXXX They are now saying that the maturity date listed on all of my documents as XXXX is now a draw period date and that we did not make consistent payments from XXXX to XXXX, yet there is no credit reporting of delinquency on any of our credit reports. How could we go from XXXX to XXXX with no payments and then from XXXX to XXXX make consistent payments according to their documentation and still owe {$5200.00} dollars. So for 16 years according to them we did make consistent payments, lets do the math : 16 years ( 192 months ) times {$200.00} payment equals {$38000.00}. Under no circumstances could we have not paid off this loan. This is insane that they are allowed to continue to do this to people. Who is not looking at this fraud and not seeing fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we were hit by the hurricane Harvey.  I live in XXXX. I called Capital One they gave me a 3 month extension in paying my bill. I used the three month extension and my payment was due in XX/XX/XXXX which I paid on time. My credit report is showing a late payment for XX/XX/XXXX. However, statements do not reflect any late payments listed on my XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX statement. I have contacted Capital one to get my credit report updated. They arestating that the late payment that is reporting for XX/XX/XXXX is correct. I did not pay a late payment fee for XX/XX/XXXX. The late payment that is reporting on my credit is  not correct and I would like to have it removed and my credit report for all 3 agencies corrected and updated.
Product: Credit card

Navy Federal has reported an incorrect amount to XXXX and XXXX. Navy Federal reported I owe XXXX as of XXXX/XXXX/15 and that is incorrect. The correct balance that is owed is XXXX. I have sent several complaints about Navy Federal and Navy Federal keep messing up my credit by reporting wrong information. Navy Federal should be held accountable for continuing to mess up my credit report and score.
Product: Debt collection

wakefield and associates are garnishing my wages and the debt is not mine. I explained several times, called them, and they still continued to collect after I explained that it was my ex-wifes debt we were divorced for over 5 years and they still pursued me. XX/XX/XXXX trying to collect XXXX dollars. I gave them my divorce decree and they still pursued and are garnishing my wages as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Unauthorized and XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally demand that you cease and desist from reporting any inaccurate information regarding my account to any credit bureaus. Your company 's conduct constitutes a misrepresentation and violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus.

I enrolled in your credit builder service based on the representation on your website that it would guarantee a minimum increase of 6 points to my credit score and that I could cancel the service at any time. I canceled the service after one month last year due to its poor performance. Despite canceling, you continue to report this account as a loan, which is a false representation, as no loan was ever made or owed. This has resulted in negative information being added to my credit report in what appears to be retaliation. 
Your actions have caused undue harm to my credit standing, and your failure to correct this inaccurate reporting despite my attempts to resolve this matter directly with your company is unacceptable.
Product: Credit reporting or other personal consumer reports

Error reporting lateness on XX/XX/2023 for XXXX account. Account was closed and paid XX/XX/2023. Title for car was received from loan company, indicating loan was paid in full on XX/XX/2023, therefore lateness was reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that Transition is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment
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 : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Security Freeze on all 3 Credit Bureaus. I gave authorization for One Time for an inquiry to XXXX XXXX on XXXX XXXX, XXXX. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX XXXX  exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( 6 times ) in the past month when only one time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, XXXX by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, XXXX and my first payment isnt even due as I was approved, yet their company couldnt explain why 2 more were done. I need XXXX, EXPERIAN and XXXX to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a Security Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX XXXX did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX BANK XXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

I paid off my credit card balance last month and I had a balance this month of XXXX. I thought they couldnt do that anymore.
Product: Credit reporting

For the past few months, I have attempted to get a credit card through XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX TransUnion XXXX has violated my Federally protected Consumer rights In accordance with the fair credit reporting act Has violated my federally protected Consumer rights to privacy And Confidentiality Under 15 USC 1681 According to The 15 U.S.C 1681 section 602 A states I Have a right to privacy These addresses do not belong on my Credit report