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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. 

Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 72 months Payment History XXXX made 78 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a XXXX reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in XXXX! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance : {$7000.00}
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of 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 claim adequately. They informed me recovering lost funds were impossible and tracking these transactions were unfeasible. The CFPB findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

Experian IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING Experian ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint with you all and Equifax, about not being able for companies to pull my Equifax Credit file. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. It needed to be compressed and they told the companies my file credit file is too large. 

Here is Equifax response : COMPANY 'S INTERIM RESPONSE Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. 

In my original complaint I said nothing about INACCURATE or INACCURACIES on my credit report. I SAID FOR THEM TO FIX MY EQUIFAX REPORT WHERE I AND COMPANIES CAN BE ABLE TO PULL IT WHICH MEANS COMPRESSING THE FILE!! I AM NOT SATISFIED WITH THEIR PAST LYING RESPONSE AND IF ANYONE CAN READ YOU CAN SEE WHAT I ASKED FOR. I ASKED FOR THEM TO FIX MY CREDIT REPORT WHICH MEANS COMPRESSING IT BECAUSE THEY TOLD THE COMPANY THE MESSAGE THEY WHERE GETTING MEANS MY FILE IS TOO LARGE AND NEEDS TO BE COMPRESSED SMALLER!!!! STOP WITH THE STALL TASTICS? PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH AND I HAVE CALLED THEM OVER 20 TIMES ABOUT THIS, AND THEY LEAVE ME ON THE PHONE AND HAVE NO EARTHLY IDEA OF WHAT I NEED DONE!!! I'M TIRED AND WANT TO PULL MY CREDIT REPORT!! EQUIFAX IS A JOKE AND NO ONE UNDERSTANDS MY PURE ENGLISH TALKING AND IT IS VERY FRUSTRATING!! PLEASE HELP ME GET THIS RESOLVED!!
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested XXXX times in writing, made XXXX phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from XXXX, XXXX, and Equifax, which raise serious concerns regarding potential identity theft. 

As a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports from XXXX, XXXX, and Equifax, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the XXXX bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize. 
Address Variations : The listed addresses across the XXXX credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information.

Employer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b 15 U.S. Code 1692 15 U.S. Code 1692 I am writing to dispute the late payments reported on my credit report for the account with XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX. According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX Despite requesting proof that this information was sent to me at least 21 days before the payment due date, These companies failed to provide such evidence. 
As per Rule 1002, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and update my credit report accordingly. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding a Method of Verification for the following unknown and unauthorized disputed accounts inwhich my identity has been compromised via the dark web inwhich should of been an aftermath from the XXXX  data breach. So since I've previously disputed the following I was never provided with physical documentation from that investigation this is why I'm demanding the Method of Verification and if you nor your companies can not provide such then you shall remove the following : ( 1 ) XXXX XXXX XXXX {$1300.00} ( 2 ) XXXX {$2100.00} ( 3 ) XXXX {$2500.00} ( 4 ) XXXX XXXX XXXX {$10000.00} ( 5 ) XXXX XXXX {$250.00} ( 6 ) XXXX XXXX XXXX ( 7 ) XXXX XXXX XXXX {$800.00}
Product: Debt collection

I received a letter in the mail on XX/XX/XXXX by JNR Adjustment Company Inc a debt collection bill of {$440.00}. The client JNR is representing for this debt is XXXX XXXX XXXX XXXX, of which I have never rented a vehicle nor have done business with before. 

The alleged debt occurred in XXXX of 2021 and this is the first time I am getting notice of it. I have never been contacted otherwise and was given a very short window to respond before they resort to further action. 

They were clearly given my name and address by whoever used my identity for XXXX XXXX, but no payment on any of my financial accounts was used during the transaction. 

I will be contacted them by phone or email today to ensure this debt is not assigned to me going forward.
Product: Vehicle loan or lease

Few moments in my life has been as severe and as stressful as the months I spent dealing with an ex-boyfriend who stole everything I had including my car and proceeded to crash it causing me weeks of financial disarray. However Santander exercised and abused its fiduciary responsibility regarding the obligation to pay when gap insurance was sold to me with ease and I made those payments quite often. There should be no excuse to issue gap insurance which is always questionable at the finance table and still be able to harass me for the different code and what it is now a repossession that should have been just simply an accident
Product: Checking or savings account

My name is XXXX XXXX please add this new complaint to CFBP case number XXXX I need Wells Fargo case number to be reopen and investigate again for case number XXXX because for bonus {$300.00} promotion code XXXX or for XXXX because I have contacted them before XX/XX/scrub> 2025 and all the agents told me over the phone I have meet the requirements for it and around the XX/XX/scrub> 2025 they review the account to see if I have meet the requirements if I did but I already did they would add it to my account but I already meet the requirements for it before my account was closed out by y'all so I am requesting for this case to be investigated again I dont remember the dates of conversations and dont remember the agents names I was talking to and also requesting yall to give me a onetime credit for the bonus because I have meet the requirements for {$300.00} and mail it to me in the mail to XXXX XXXX XXXX XXXX Pennsylvania XXXX and mail it to XXXX XXXX as a check and my account information is checking account number is XXXX and saving account number is XXXX etc.
Product: Checking or savings account

My name is XXXX XXXX please add this to cfbp case number XXXX I need to know if my claim XXXX if that charged for {$8.00} for door dash posted date XXXXXX/XX/year> if it was posted to my account as charged or refunded or not charged if it was posted to my account I need yall to reopen my claim up and investigate it again because the dispute department claim it wasnt billed to my account and they closed it and when yall reopen it up or appeal it to be reopen and investigation again send me the new decision because I disagree with the old decision please look at the attachment below etc and also find out for me if {$8.00} was refund to my account or credit to my account for onlyfans or if the dispute is still in progress for only fans for {$8.00} and give me the update to that please etc checking account number is XXXX and saving account number is XXXX etc
Product: Credit reporting or other personal consumer reports

The two line items Dept of Ed/XXXX ending in XXXX and XXXX both were taken off of my credit report for the past XXXX years. recently Equifax for some reason allowed this company to have this back onto my credit report. 
I am making this report for Equifax to take these two line items off permanently. This has caused my score to drop and financial stress. 

Thank You
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX )
Product: Credit card

The have changed APR AND FEES BECAUSE THEY ARE IN HOPES I DO NOT PAY MY CARD OFF IN TIME OF PROMOTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / XXXX  ... the  Thomas  agency  XXXX    XXXX   XXXX    XXXX / XXXX / XXXX  ... the  Thomas  agency.  XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  the Thomas agency.  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ...  XXXX  the Thomas agency.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XXXX  the  Thomas  agency.  XXXX   XXXX   XXXX   XXXX  I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The  Thomas Agency, all said it would be corrected and removed, due to billings clerical err ors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting old and un validated information this is a violation of the FCRA needs to be removed and credit file updated with correct and accurate information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX
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. 
XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account number 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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 or XX/XX/2020, I went to the XXXX car lot located on XXXX XXXX XXXX TX XXXX in XXXX Tx with my girlfriend wanting to get estimates on what it would take to purchase a truck with them. We were working with a new sales agent who told us that we could get purchase estimates without having to pull our credit. We said ok cool. She went to speak with her XXXX XXXX whom then came over and told us that they need to pull our credit to get the best estimates for us. We specifically told XXXX that if we were to finance, we would finance through XXXX XXXX  or XXXX. We specifically asked that they only run our credit through XXXX. We also specifically asked and verified that there would only be 1 inquiry placed on my credit report. XXXX told us that yes it would only be 1 inquiry. As they went to run my credit, I received notifications from my credit monitoring service saying that my credit has been pulled several times from companies that we never authorized. Not 1 of the inquiries was for XXXX. All of the inquiries were from other unauthorized companies. We never authorized these companies to obtain a copy of my credit report. The unauthorized companies are XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They apologized for the mistake and basically told us there was nothing they can do. We requested something in writing stating that we did not authorize those inquiries and that it was a mistake on their end but they would not provide that. I would like for these unauthorized inquiries to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I provided the credit card company XXXX XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Product: Debt collection

Pursuant 1692 ( a ) ( b ) the City of XXXX engaged in abusive, deceptive and unfair debt collection practices by booting, impounding and holding consumers vehicles, which contributes to a high number of bankruptcies, material instabilities, job loses, and invasion of ones privacy. Existing laws are inadequate and offers no true remedy, or relief, which forced me to file bankruptcy to get my car back. 
Violations have been detemined after thorough examination of the communication 1692a ( 2 ), FDCPA, conveyed through the mails and received at the consumers ' sanctuary. Employees agents, and or assigns from ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX - XXXX XXXX who operated in the capacity of a debt collector pursuant 1692a ( 6 ), FDPA, because o ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX did violate numerous provisions of the Fair Debt Collection Practices Act ( " FDCPA '' ), Public Law 111-203, title X, 124 Stat.
2092 ( 2010 }.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.