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

I recently looked into my credit report, which made me very XXXX. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % accurate. Copies of every letter sent are attached below.
Product: Credit reporting

They have allowed XXXX XXXX XXXX to reinsert the paid off debt. This debt was paid off, and was deleted..Now its been reinserted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made all the necessary communications with all entities which had recorded wrong and/or misspelled names such as missing name part, inversions between given and family names etc. This has been requiring lots of energy, times and money. Now after this tedious cleaning process we still see in Experian records and their successive credit history eidtions many of these errors and inaccuracies persisting and not being flushed, although we did submit in various occasion our proof of ID, residence, all bearing the very right and full spelling at the perfectly right address. Most important, as my full name is made of a combination of extremely common given names and family patronyms, every inversions, substitutions, omissions, or misspelling are particularly prejudicial, dangerous and are opening doors to the highest risk of identity spoofing and, at least will induce a mix with other existing individual sharing some near name combinations. As the mission of a credit bureau, being one critical tier of trust in numerous transactions of the daily life, one of its main commitment and civil responsibility before citizens is to ensure the best identity integrity and protection. In my particular case it is very relevant that Experian removes rapidly all sources of identity confusion, all risk of ID spoofing and ensure they do efficiently and actively contribute to synchronize with all meshed systems a unique and correct patronym associated to my SSN. And not the other way around, that is to say being an agent propagating mistakes by leaving tiers which do query the credit bureau record with erroneous answers ( Eg. confirming that my SSN is associated to another person who shares part of my name. ) The credit bureau can not be a dictionary and a register of all past mistakes. Lastly, as Experian do not provide the precise list of furnishers by ID number which keep and report erroneous data they leaves us without any means and without any recourses to duly act and protect our identity efficiently when our names and patronymes are so common.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the property management ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX  XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and Transunion have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by XXXX. 

Both XXXX  and Transunion have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by XXXX. 

XXXX has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

XXXX  has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has 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, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 2 letters to Experian in regards to the matter below. the 1st was in XX/XX/XXXX and the 2nd in XX/XX/XXXX. No response. 

EXPERIAN XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promply delete The following inquiries are unauthorized : Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Experian not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATION/ XXXX which accumulated over {$200000.00}
Product: Mortgage

I submitted a Mortgage Modification to Freedom Mortgage in XX/XX/XXXX-XX/XX/XXXX ( Can't remember specific date ). During that time I also was working with a realtor to sell my home instead of it going into foreclosure. I called Freedom mortgage to advise of my house being on the market to sell and continued to keep them informed on the process. In XX/XX/XXXX I called Freedom mortgage again to advise them that I had a buyer and due to close at the end of XX/XX/XXXX and the agreed selling price was XXXX which would've paid off my loan of {$10000.00} in additional to the {$45000.00} I was behind. The title company had been working on the closing since XX/XX/XXXX and paperwork was finished as of XX/XX/XXXX. We were now set to close in the beginning of XX/XX/XXXX in which I again advised Freedom Mortgage. In the interim I received a letter from Freedom Mortgage dated XX/XX/XXXX and dated XX/XX/XXXX by the post office. The letter stated the review of my hardship assistance was completed but unfortunately they were unable to approve the request due to insufficient time to review. The Foreclosure date was XX/XX/XXXX. 
Again, I kept Freedom Mortgage in the know of the whole selling process. Due to the foreclosure I lost a gain of {$40000.00} and now the Foreclosure is on my credit. I continued to keep Freedom Mortgage in the loop at all times during the sale process. I want to be compensated and the Foreclosure taken off of my credit report.
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/year> about my name being on my credit report wrong. I never received a response back. They have me as XXXX XXXX id # XXXX as of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to request my credit report from Equifax, as is my lawful right. First, the webpage only offers pay for service subscriptions, without any notification that the consumer is entitled to receive their report from Equifax for free. The place to request your report is well hidden behind multiple walls. 
Then you are required to join their myequifax and consent to illegal terms and conditions for requesting a report. I attempted to call their customer service during their stated normal business hours, and was given an option to purchase the paid subscription or request my report online. After several menus and just holding and not pressing an option, I was told I was being put through to a representative. After a long hold time, I was informed I would have to call back during normal business hours. My call was already during their normal business hours. 
Equifax has committed multiple violations of the FCRA including, but not limited to the following : 612. Charges for certain disclosures [ 15 U.S.C. 1681j ] ( g ) ( 1 ) Failure to include the AnnualCreditReport.com pursuant to section 205 ( b ) of the Credit CARD Act of 2009 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] 610 ( a ) ( 1 ) [ 1681h ], Every consumer reporting agency shall, upon request, and subject to clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request Bureau Summary of Rights Required ( A ) In general. The Bureau shall prepare a model summary of the rights of consumers under this title.

( B ) Content of summary. The summary of rights prepared under subparagraph ( A ) shall include a description of ( i ) the right of a consumer to obtain a copy of a consumer report under subsection ( a ) from each consumer reporting agency ; ( ii ) the frequency and circumstances under which a consumer is entitled to receive a consumer report without charge under section 612 ; ( iii ) the right of a consumer to dispute information in the file of the consumer under section 611 ; ( iv ) the right of a consumer to obtain a credit score from a consumer reporting agency, and a description of how to obtain a credit score ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete immediately XXXX XXXX  has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). XXXX still has not shown me a receipt of payment For XX/XX/XXXX XXXX.Do not use the EOSCAR system .. XXXX Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times XXXX, Transunion and XXXX still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX  I demanded for them to DELETE IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$44000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been having an on-going dispute with Credit Collection Services for many months now. I have written the credit bureaus about this and have written letters to the collector. They keep sending me bills wihout providing the evidence I requested from them asking what right did they have to collect on these medical debts and to be reporting them on my credit, which is damaging my credit. XXXX XXXX violated my HIPPA rights and they divulged private information about my medical provider and now this third party is divulging and attempting to collect on a debt I never entered into agreement with. I asked them what authority they have to collect in my state, and to show me where I gave XXXX XXXX permission to divulge my private information. After several letters, these people continue to report these debts without having provided proper evidence as requested several times. 
I figured I would make a final attempt to correct this matter with Credit Collection Services by coming to you before I end up hiring a lawyer to represent me in court. I am trying to avoid taking things this far and am hoping for them to remove these debts from my credit or to produce the information I requested asking them to show where they have a right to collect on these debts. 
In my last letter to them I asked them for three things of which they complied with neither. 
1. Provide a breakdown of fees including any colletions costs and medical charges.

2. Provide a copy of my signature with the provider of services to release my medical information to Credit Collection Services 3. Cease and delete any credit bureau reporting until the debt has been validated by me. ( On this one, the File number is on the letter I have attached which is for all of the accounts they have a file number for in which they provided no info FILE number XXXX, yet after my request to cease and delete the accounts which they are reporting and including another bill they keep sending to me, they still continue to send me a bill. This is now considered harrassment. } Notice the date on the most recent bill and compare the date of my letter along with the receipt that they did receive my request. I have further evidence of letters I have written which I have all in file and I am tracking EVERYTHING.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, 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: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit on XX/XX/year> from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about customer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my Equifax and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate. 

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXXXXXX XXXX XXXX  as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both Equifax and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit  reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX. 

Also on my Equifax and XXXX Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports your scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? 

Equifax has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my Equifax credit report only the company can. Equifax has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending and I am sick of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at approximately XXXX XXXX. I logged onto XXXX XXXX XXXX website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX Speed Pay website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX  XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX. They are stating the payment was due XX/XX/XXXX. I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX. They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} & XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX back in XXXX of 2009, in XXXX XXXX of XXXX California. I recently noticed after all this time that Experian has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX XXXX BKPT CT CA XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX XXXX of California XXXX XXXX XXXX XXXX, CA XXXX