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

I, XXXX XXXX never gave EXPERIAN any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

To whom it may concern, I am submitting a complaint against Continental Fin Co under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, Continental Fin Co has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed-charged off ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent as of 30 days. I paid for a service and did not receive it. The credit protection should have made payments on my behalf. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX date assigned XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account numbers XXXX XXXX XXXX XXXX XXXX date assigned XXXX  {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX balance {$660.00} current balance {$700.00} Account numbers XXXX XXXX Experian XXXX XXXX XXXX XXXX- {$8900.00} account no. XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of purchasing a home and late payments from XXXX keep popping up on my XXXX  and Equifax reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why XXXX is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with Equifax and XXXX  and for some reason, someone at XXXX keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/23 to report unauthorized inquires and wrong addresses on my credit file. I show 5 inquiries that I did not authorize to be pulled : XXXX XXXX, XXXX from XXXX, XXXX XXXX XXXX XXXX, and XXXX. 
Wrong addresses of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative I spoke with Equifax Customer Service refused to correct my file by deleting the unauthorized inquries and removing incorrect addresses on my credit file.
Product: Mortgage

As I told Chase Bank, this is not about my record of payment. This is about what I have paid over a period of XXXX years. This was my complaint to the State of Ky. State Attorney General for unfair loan practices. 
As of this date, I have paid {$45000.00}. There remains a balance of $ XXXX which will take about XXXX more years to pay off. When this balance is paid off I will have paid {$54000.00}. Your charge to me is {$29000.00} for the use of {$25000.00}. This is well over 100 % finance charges. I just want to the CFPB what myself and many other people are going through. This is a Home Equity Line of credit.
Product: Credit reporting or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Pursuant to 12 CFR 1022.43, correspondence was sent to FSA and MOHELA XX/XX/XXXXXXXX  disputing the erroneously reported item and requesting that they verify the debt with supporting documentation reflecting the error noted. 

Correspondence was received dated XX/XX/XXXX from FSA and MOHELA, stating by their own admission that they are unable to verify the debt nor produce any historical payment data records supporting the balance they continued to report which is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( 2 ) while operating as a Furnisher of Information as defined by 12 CFR 1022.41 ( c ). 

Furthermore, MOHELA being reflected as a furnisher of any reporting. records or tradelines to any credit bureau on my credit file prior to XX/XX/XXXXXXXX  would constitute false reporting as they were not designated as a servicer before that time. 

In XXXX, this erroneous balance was transferred to another servicer, by the Direction of the Department of Education due to gross mismanagement. 

On XX/XX/XXXX, MOHELA reported to credit bureaus on an account they no longer service. 

This is a blatant violation of 15 USC 1681 s-2, 12 CFR 1022.42 and 12 CFR 1022.43.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account on my credit report, canceled debt reported as debt, no 1099C received, violating 15 USC 1681eb.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 was unfeasible. The ( CFPB ) finding indicate that Zelle not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, 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. 


Company : name XXXXXXXX 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 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: Debt collection

I have contacted the collection agency on many occasions in XXXX and XXXX of 2023 to give me written notice regarding my debt. I reached out to the debt report agency about validated the debt or any information and they have never responded. The agency is in violation of 15 U.S Code & 1692. No one have sent me any written notice about any debt and refuse to remove the reporting. Not only can I not apply for a home, car, or a credit card ; it has damaged my credit worthiness as an American Citizen. I NEVER gave any consumer reporting agency or debt collection agency WRITTEN CONSENT to report anything on my consumer report and as a citizen I know that violates my rights as a federal protected consumer. Furthermore, according to the XXXX consumer access website this company is not even licensed to collect a debt in Tennessee. They are licensed in other states but not Tennessee. This is a direct violation to be reporting on my credit but isn't licensed in my state to collect a debt.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at SELF LENDER on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

There is a NCB account # XXXX on my account ( Original Creditor XXXX XXXX XXXX XXXX ) This account is not mine, this account belongs to my father ( whom we share the same name ) and is joint with my mother and him. 

I have no ties with this account. 
This should not have been disputed to my account. 

Please remove it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$8400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Debt collection

The issue is illustrated in the attachment. They misreported my payment history which is a violoation to my consumer rights. The documented payment history reported on my credit appears to be unorthodoxed.
Product: Mortgage

We cancelled our homeowners insurance in XXXX 2015 with one company and selected a new company. Our mortgage company sent a check for payment to the one that we cancelled and that money has not been returned to our account even though that is not our current insurance company. They claim that they are investigating where the money went or where the check went, we have called numerous times and nothing is being resolved.
Product: Student loan

I originally took out a loan from XXXX XXXX XXXX for XXXX in XXXX, the loan has since been serviced and moved to different lenders. It is now owned by LAUNCH who claims I owe XXXX on 4 different accounts. I wrote to them in XXXX asking for validation of this debt -- a full payment history through different lenders and promissory notes showing what I agreed to borrow and our agreed upon interest rate. They provided me one brief statement from XXXX  ( one of the servicers ) and the original " promissory note '' from XXXX XXXX XXXX for {$5000.00} - no interest rate is noted. I have been making payments on this debt to keep in off my credit report, but I have paid over XXXX just since XXXX and the balance isn't going down. It doesn't add up, and LAUNCH will not send evidence of how much was originally borrowed, the interest rate, or full record of my payments. In our documented communication, they said I can contact XXXX XXXX XXXX  to see if they have more records or I can call and talk to someone at LAUNCH. I don't need to have a conversation ; I would like to see the promissory notes and proof that I owe this debt. I stopped making payments and sent a cease & desist letter to LAUNCH on XX/XX/XXXX and they have now reported me to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened my first banking account ever with Bank of America a couple years ago not sure exactly when. Long after, my account was compromised some how and I filled fraud immediately. I took the proper and necessary steps to resolve this. During that time there were many phone calls and letters sent back and forward between I and the Bank upon this issue. Shortly after the issue I thought was resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 approximately somewhere between XXXX and XXXX XXXX I was called after I had received a text saying do you approve of this XXXX transaction of {$3500.00} I replied no and got a phone call right after saying this was Bank of America, fraud protection, and if I approve the XXXX transaction, I stated that a do not approve the transaction and to stop it. They asked me to open up my app and give them the confirmation number that was done. I stated that I was at work and that had to be done quickly I didnt want to get in trouble for being on my phone, they stated that they would get the funds back into my account at XXXX XXXX that evening. I called them back and asked them about the transaction and where it was that they stated that they dont know what I was talking about and asked if I was scammed I stated that I was and that I needed to have it stopped they said I had to get XXXX authorization form from my phone company make a police report and to freeze the count until they were done with their investigation. Every 30 days I had a peeled the decision that they had made and they kept making me run through hoops after hoop, after hoop, saying that they need this from the Place report they needed the phone company to send a letter stating that the number that had called me was in fact, the scammer who had scammed me out of the money Ive done all I could I have called currency capital of currency. I called the banks over and over again I had to open up a new account. I have done so much more And I still have not received the money back. I have done some research and found that Bank of America has been involved with multiple fraud scammers. I was not the only one people have gone to news stations reported them and have received the money back but I cant seem to get mine back. I have almost lost my house almost lost my car. Im so behind on my bills.