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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 6 months I have had to dispute information on my credit report 3 times with Trans Union. As of today they are not reporting my payment history within in the last 30 days and they dropped my score XXXX points with no apparent reason and did not address it in my latest dispute. This is negligence on their part that has a negative impact on my credit report and ability to obtain credit. Seeking a recommendation for a financial remedy.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Late Payments on Credit Report Dear Sir or Madam, I am writing to formally lodge a complaint regarding inaccuracies on my credit report that have significantly impacted my financial well-being, as well as my mental and emotional health. I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the accuracy and integrity of the information they report. 
Specifically, I have identified several late payments inaccurately reported by Experian on my credit report. These entries do not reflect my actual payment history and have resulted in a detrimental effect on my credit score. 
According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports, and creditors must investigate and correct any errors. I have submitted a dispute to Experian on XX/XX/24, but the inaccuracies persist. The details of the late payments are as follows : Creditor Name : XXXX **Please see attachments** The ongoing presence of these erroneous late payments has resulted in substantial financial stress. I have faced difficulties securing loans and have been denied favorable interest rates, causing additional financial strain. The emotional toll of this situation has been significant ; I find myself constantly worried about my financial future and the potential long-term repercussions on my creditworthiness. 
I kindly request that the CFPB investigate this matter and assist me in rectifying these inaccuracies. I am seeking your support in ensuring that my credit report reflects accurate information, as mandated by federal law. 
Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting

TransUnion makes a bad habit of allowing re-insertions. They have done it to my credit report again.
Product: Checking or savings account

On XX/XX/24, I came to Wells Fargo to upgrade my checking to Premier Checking and to open the lowest fee XXXX XXXX with a {$520.00} offer ( offer code XXXX ). During account opening, the banker advised me to open a Platinum Savings ( highest fee ) account instead, and pointed to a QR code that he advised me to scan ( offer code XXXX ) for 4.6 % APY for 12 months on the savings. When I asked specifically if both offer codes could be applied, he said yes- he would apply the {$520.00} offer upon account opening, and would apply the other offer code after the account was opened. Due to the higher rate he was offering to combine with my {$520.00} offer, I opted to open the higher fee Platinum Savings for the higher 4.6 % rate. 

However, after opening the Platinum Savings account with my {$520.00} offer code, the banker was unable to apply the 4.6 % APY promo that he had promised. He called support and was told that the second code could not be applied. Had he told me this up-front, I would have opened the XXXX XXXX account instead. I feel that this was a bait-and-switch situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Mortgage

I submitted an offer on a home in XXXX, RI on XX/XX/XXXX. 

I initially submitted the offer with a pre-approval from XXXX XXXX XXXX XXXX and their 0 % down payment mortgage loan program. 

XXXX XXXX from Guild Mortgage contacted me on XX/XX/XXXX and asked me if I anticipated making any offers on homes. I informed him that I submitted an offer on the home and asked whether Guild Mortgage offers any loans with 100 % financing, such as XXXX XXXX does. XXXX informed me that they have Rhode Island Housing, who offers assistance. He stated that he will review and be back in touch with me. 

On XX/XX/XXXX, XXXX sent an email, stating that we are eligible for the conventional RI Housing loan which would also include {$15000.00} in down payment assistance. I replied to him and asked to confirm that we qualify for the {$15000.00} despite not being first-time homebuyers. 
He replied and stated that there is not a first-time homebuyers requirement for the conventional program and the {$15000.00} assistance. 

On XX/XX/XXXX, we submitted a new Offer on the home in question and tailored it to the terms that XXXX offered and advertised to us. 

On XX/XX/XXXX, I was asked to sign the 15kDPA Loan Program Acknowledgement by XXXX XXXX, who is the Loan Processor. We signed this form. 

On XX/XX/XXXX, XXXX XXXX, who is the Loan Processor, asked us to complete the Homebuyers class through RIHousing ( ehomeamerica.org ). We completed this and provided the certificate. 

On XX/XX/XXXX, XXXX XXXX called me at XXXX and informed me and informed me that the underwriter informed him that we are not eligible for the {$15000.00} Down Payment Assistance, as we are not first-time homebuyers. He stated we would need approximately {$14000.00} cash to close. I asked him to email me this information. 

On XX/XX/XXXX, XXXX emailed me this. I escalated this to his superior, who did not take any responsibility for XXXX false representation and misleading us. The superior is District Manager XXXX XXXX. 

There have been email exchanges and phone calls between XXXX XXXX and myself. 
However, he did not present a resolution to this issue that Guild Mortgage created. 

The Mortgage Contingency date is XX/XX/XXXX. XXXX XXXX alleged that Guild Mortgage would provide a resolution no later than XX/XX/XXXX, which gives us no time to review our options prior to the mortgage contingency date. Furthermore, XXXX XXXX appeared to deflect the issue they created by encouraging us to contact other lenders, which demonstrates their lack of integrity and morals. 

Ultimately, the issue this is creating is that I went from less than $ XXXX {$2000.00} cash to close to over {$14000.00}. Now, this puts my family in a financial hardship, as I have to withdraw nearly all of our retirement savings, which will result in penalties and taxes. This has not been our fault in the slightest aspect. We have always been timely in providing all requested documents. However, we are in this situation because XXXX XXXX offered and advertised a loan product we are not even eligible for.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : 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

XX/XX/2015, a XXXX representatve called me and asked me if I wanted to renew a protection agreement on a washer and dryer. Having had issues with the unit, I agreed. The company asked if they could bill a XXXX XXXX Card on file ; I agreed, but the company representative never confirmed a billing arrangement and I assumed I would receive a bill in the mail. Months passed, and I did not receive a bill. Finally, I received a threatening letter from XXXX that informed me that I was 30 days past due. I quickly called the company, made an over-the-phone payment and the company agreed to waive my late fee. I also learned that my bills were sent to an email account that I rarely use. In XXXX of 2015, I decided to check on my credit and learned that it had dropped by approximately XXXX points with all three bureaus. I immediately learned that XXXX, XXXX ' credit affiliate, reported me 30 days late to the credit bureaus. I disputed this charge, with the credit bureaus and the company, but none of these sources agreed to reverse the claim. Keep in mind that I did not receive any of the bills and XXXX conceded fault by waiving my late fee.
Product: Credit reporting or other personal consumer reports

I received and have in the past text messages on my cell phone that state I have an overdue account at XXXX. I received a text message on XX/XX/year> stating that I have an overdue account at XXXX which is at collections with XXXX XXXX XXXX. The message I receive states my name is XXXX. 
I have in the past contacted the Credit Bureaus on a fraudulent account that use to be reporting on my Credit Report coming from XXXX and placed a dispute in that account. 
This message I receive provides a hyperlink to see options related to this account, yet the name addressed in the message does not belong to me, XXXX.
Product: Checking or savings account

There were 27 unauthorized transactions from XX/XX/2023 to XX/XX/2033 that were taking out of my account and used on a XXXX. I was not aware of any of this due to me not having direct access to my account during this time at all. I contacted chime and made a dispute on these charges on XX/XX/2023 when I was able to recover my account. The claim was denied abruptly only 3 days later and the claim was only confirmed on XX/XX/2023. Chime havent gave me any denial reasons and seemingly not caring about my money. I remade a claim today and theyre still not understanding. Theres 27 transactions so theres too many for me to list. In my account the transactions that were unauthorized are every XXXX transaction beginning on XX/XX/2023 at XXXX to XX/XX/2023 at XXXX.
Product: Bank account or service

For the past year, PNC of XXXX, PA has messed up my accounts. Today I was kicked out of the bank after trying to get this issue resolved again. Each month, my account is screwed up and getting past due letters. Now they tell me that XXXX account is blocked, but they do n't know why and am unable to make a payment. I started with XXXX bank for my mortage, followed it to XXXX and then to PNC. I have been a customer for over 25 years. Paid off my mortgage, and a line of credit for {$17000.00} and have been treated shabbily. Today they kicked me out of the bank and threatened to call the police just because I got upset that they would not take my change and credit it to my account. They said that if I wanted to use the change that I would have to return home, wrap it and then bring it back. Would NOT accept unwrapped coins. I am a senior citizen, XXXX and it is very hard for me to get around and to be told to leave, wrap the coins and then return before they would accept my payment. What kind of banking is that? Last month, I was assured that everything was taken care of and there would not be any more problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions is unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers, but has also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I have had numerous bank accounts. Some of the banks have included : XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America, and now I am having problems with XXXX XXXX XXXX XXXX I have been to almost every bank in XXXX, CA. Everytime I open an account money has come up missing! I lost thousands of dollars from Bank of America, XXXX XXXX and XXXX XXXX XXXX XXXX. I decided to go to a credit union- XXXX  XXXX XXXX and now I am having the same problem. I am a XXXX XXXX woman and no one seems to listen to me. I have been trying to get help for years and have been unable to receive any help! Can you please help me! My information includes : email- XXXX and my phone number is ( XXXX ) XXXX. Thank you, Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

chapter XXXX bankruptcy was in my XXXX  and equifax credit report in which i disputed and the both told me the item was verified thru XXXX, ,I contacted XXXX and they told me I didnt have a public record for a bankruptcy in there system. Either these 2 credit bureaus lied or they didnt do a through investigation into my disputes either way they are in violation of the FCRA and i demand these bankruptcies be delete from my credit file
Product: Debt collection

This debt is from a procedure which I received at XXXX XXXX XXXX for a hernia operation. My insurance paid XXXX plus for the procedure there was a balance remaining from the procedure which was {$3400.00}. I was notified of the outstanding balance and I requested financial assistance with the remaining balance due to subsequently being laid off from work and did not receive an application. 

The agency assigned for the collection of the {$3400.00} debt was XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, PA XXXX telephone # XXXX. I entered into an agreement to pay XXXX {$150.00} every 2 weeks which brought my balance down to {$2300.00} when it was assigned to the legal office of Nair & Levin address XXXX XXXX XXXX, XXXX, CT XXXX requesting the aforementioned balance. 

XXXX XXXX XXXX correspondence should be directed as follows XXXX XXXX XXXX Financial Counselors Main Admitting Department XXXX XXXX XXXX XXXX, CT XXXX XXXX
Product: Student loan

I am writing in response to your correspondence regarding my student loan dispute filed via the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, under case number XXXX. Your response, dated [ XX/XX/year> ], acknowledges my requests but fails to address them in full. 

Validation of Debt and Legal Authority As stated in my initial dispute, I am requesting competent evidence of the alleged debts under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Family Educational Rights and Privacy Act ( FERPA ). Specifically, I demanded : A Copy of the Original Promissory Note : While you provided a copy of electronically signed promissory notes, these do not satisfy my request for evidence of the original wet-ink signatures. Your reliance on the E-SIGN Act and related laws does not waive my right to demand verification of the debts authenticity under applicable consumer protection laws. 

Proof of Reporting Authorization : Your response cites the Borrowers Rights and Responsibilities Statement regarding credit reporting. However, I have not provided explicit consent for such disclosures. Reporting my account information without proper validation and consent is a potential FERPA violation. 

Accuracy of Reporting : Your letter asserts that the information reported is accurate. However, it fails to address my request for specific documentation that validates the reported amounts, account statuses, and ownership. I require detailed account-level information for all disputed accounts, including a comprehensive payment history, disbursement records, and transfer documents from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, 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 : XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX POSTED XXXX XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX  XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XXXX & XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX  POSTED ON XXXX XXXX XXXX  POSTED ON XXXX & XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX & XXXX XXXX XXXX POSTED ON XXXX & XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$350.00}
Product: Credit reporting or other personal consumer reports

I was stunned to discover inaccurate accounts on my credit report tonight, and I have no idea how they got there. I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the errors persisted. This issue has left me deeply concerned, and Im urging a thorough review of the documents Ive provided so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Southwest Credit Systems for furnishing an inaccurate and unlawful collection account XXXX on my credit report. This account is being reported with inconsistent and conflicting information, including discrepancies in the open date and date last active, which vary across the three credit bureaus. The inconsistencies suggest that this account has been re-aged, an illegal practice in violation of the Fair Credit Reporting Act ( FCRA ). This deceptive tactic is used to extend the reporting period of a debt beyond its legal timeframe, which is both misleading and unlawful.

Additionally, Southwest Credit Systems has engaged in abusive, deceptive, and unfair debt collection practices, violating the Fair Debt Collection Practices Act ( FDCPA ). This company is reporting and attempting to collect on an account for which I never signed a legal contract. A legally binding agreement requires the consent of both parties, and I did not authorize or agree to this alleged debt.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also acknowledge that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation, punishable under 18 U.S.C. 1001 and 18 U.S.C. 1621 ( perjury ).

Furthermore, this collection account is not related to any transaction I initiated. I allege that my personal identifying information was used without my authorization to apply for goods, services, or money, leading to the wrongful reporting of this account.
Product: Credit card or prepaid card

I opened my Discover credit card in XXXX of 2016 as a Secured Credit Card. Upon opening my card, Discover withdrew {$300.00} from me to hold as a secured payment and guaranteed me that my account would be re-evaluated after six months for me to receive my initial payment back. It has now been 3 years and 2 months and I have tried tirelessly to contact Discover and they will not give me my deposit back. They stated I would need to cancel the credit card to get the deposit back, but that would affect my credit report as it is the oldest card I have. This seems deceiving and I feel like Discover is using a deposit against me.