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

My account Number # XXXX has been a victim of fraud by someone and also by the same company XXXX, I am starting legal procedures against them since their customer service is the worst, I barely could hear them and i tried like 20 times calling and calling to unlock my account, when I had the account Deactivated They said that in order to activate it I Literally had to steal the mail that they will send me with the verification code after the call at my previous house. 
By the way there is not a single XXXX office on my city so i couldnt do nothing, XXXX blocked my account and I was never able to dispute anything and now they put my account on charge off. The account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681., According to 15 USC 1681i ( 5 ), YOU as a Credit reporting Agency are supposed to modify accounts that aren't reporting correctly. i demand also 15 U.S.C. 1681s-2 ( A ) ( 1 ) As proof that I suffered fraud, you can also refer to a collection that I had in my account which was confirmed by the agency ( XXXX XXXXXXXX XXXX ) and was respectively deleted for the same reason ( Fraud ) I also take this opportunity to express my gratitude for the excellent services you provided me since I began my Credit Journey , I have faith that you will understand this difficult situation that has blocked my path to Keeping an Excellent financial life as I had. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed hard inquiries that I did not make nor did I approve anyone to pull my credit report
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 : FST PREMIER Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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: Debt collection

I am getting regular email from Zen Resolve LLC, which does not have a license to do business as a debt collector in Nebraska, asking me to repay a debt that I did not incur. 
I asked for a copy of the original loan, What I have is a copy of a loan agreement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ. This is not an organization that I have ever done business with. There is no indication that I signed or provided any identification to enter a loan agreement, and the form has an electronic signiture that is obviously not mine. I opened a file with the FTC regarding identity theft, and sent Zen Resolve a copy of the FTC file, and the avidavit stating the obligation is not mine. I continue to get emails from them asking for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

Regarding XXXX XXXX I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. XXXX and XXXX are third party companies.
Product: Debt collection

XXXX XXXX XXXX XXXX  {$80.00}, XX/XX/XXXX XXXX. XXXX XXXX XXXX, {$150.00}, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , {$290.00}, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$380.00}, XX/XX/XXXX XXXXXXXX XXXX XXXX {$380.00}, XX/XX/XXXX Remove all inquires on these collections 1-5 Also, can you remove all hard inquires I dont have accounts with such as XXXX XXXX XXXX XXXX on inquiry date XX/XX/XXXX ; XXXX XXXX on inquiry date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, I had checking account with the Citibank for over 20 years my account number was XXXX, and this account was closed due to some suspicions that Citibank had and I was recently told {$3000.00} deposit on XX/XX/2021 is the reason, this deposit came from XXXX XXXXXXXX XXXX credit card which was under my mother 's name her name is XXXX XXXX, I am authorized user on that account as well, and hold same credit card with same number. 
Now Citibank had closed my account and never sent me any documentation explaining the reason for account closer or allowed any solution for me to get the remaining balance back. I was refunded {$4100.00} by official check and {$3000.00} was never refunded to me. my account balance was {$7100.00} wen account was closed. 
I've been calling Citibank for past 4 months I had made over XXXX phone calls and I am not getting anywhere, no help was offered most of my phone calls are being terminated by simply saying they don't have any more further information to give it to me. 
I do have all the supporting documents to clarify any misunderstanding Citibank had, I like to request to CFPB team to please take action this fund has been held up with Citibank for over 4 months now, please help me get my $ XXXX.Back If you have any questions or need more information, explanation or supporting documents please do not hesitate to contact me I can be reached at. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt randomly showed up on my credit report several years. I think around XXXX, a year after I finalized a bankruptcy in XX/XX/XXXX. It was from a company I had never heard of and I tried several times to get it removed. It was on my transunion, but not on my experian. Can not remember if it was on my XXXX. It has I guess been sold to a collection agency, PYOD, XXXX who has sent me letters, called dozens of times and texted me many times as well. At one point I did speak with someone and let them know the debt was not mine and I did not recognize the original creditor, XXXX XXXX XXXX XXXX XXXX nor the amount, {$700.00}. At this point I need help in getting this removed from my XXXX credit report as it is not a debt of mine and I have not received any documentation proving it was mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date of Birth : XX/XX/year> SS # : XXXX Subject : DISPUTE OF LATE PAYMENT INFORMATION To Whom It XXXX Concern, I am writing this letter to formally complain that my previous request has been ignored and that you have failed to uphold reasonable procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. The laws regarding credit reporting require that bureaus only report completely accurate credit information, and every effort must be made to guarantee the accuracy and correctness of the information being reported. 



ERROR IN THE INFORMATION REPORTED XXXX. XXXXXXXX XXXX  Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

It is imperative that this information be promptly removed from my credit report. It is not only inaccurate but also misleading, and its inclusion in your report constitutes a grave reporting error. 

According to federal law, you have a period of thirty ( 30 ) days to complete the reinvestigation.

Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file.

Additionally, I would like to remind you that, under Section 623 of the FCRA, information providers ( XXXXXXXX XXXX ) are obligated not to report false or inaccurate information. Since I have not received a response to my direct disputes with the creditors, I am requesting that you, as a credit bureau, take the necessary steps to ensure the information on my report is accurate. 

Furthermore, in accordance with Section 611 ( a ) ( 6 ) of the FCRA, I request that you notify me in writing of the results of your investigation, and if any changes are made to my report, please provide me with a free copy of the updated report. I would also like to remind you that, should this inaccurate information not be corrected, I have the right to seek compensation for any damages caused under Sections 616 and 617 of the FCRA.

Thank you for your immediate attention to this matter. 

Regards/Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous dispute, I had included a document from XXXX XXXX where they had asked the four credit bureaus to adjust their records and reporting to reflect what's in the quotes below. So far the XXXX XXXX account has been removed from all four of the reporting agency 's but only on my accounts. The request from XXXX XXXX below states " of XXXX XXXX and XXXX XXXX '' maybe its an oversight but the deletion has yet to happen on my wife 's Transunion and XXXX accounts. 


" we submitted an update to the credit repository agencies with instructions to adjust their records for your credit history as follows : Please delete the account from the credit records of XXXX XXXX and XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. Ive always checked my credit report regularly, and this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The wrong accounts stayed there. This is extremely frustrating, and I need the documents Ive sent to be reviewed carefully so I can stop worrying about this issue for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.
Product: Student loan

on XXXX I submitted a payment on my student loans totaling {$200.00}, upon checking the next day the payment was listed as pending and my account was in " Late '' status, I called my bank to verify that the transfer was in progress and my bank had no record of a pending transfer to MOHELA. this is now the XXXX  time I have had issues with MOHELA failing to process payments correctly and in a timely manner. I have never had issues like this with any other financial institution.
Product: Debt collection

I called Vance & Huffman on XX/XX/23 to obtain a settlement agreement due to a debt showing on my credit while purchasing a new home. My closing date ended up getting postponed & the check was mailed later than anticipated. I called Vance & Huffman immediately to notify them on XX/XX/23. I spoke to someone at first but she transferred me to XXXX XXXX. XXXX XXXX advised me immediately that the call was recorded. I explained to him the situation w/the check arriving later then anticipated & that my title company wrote the check for the incorrect amount. XXXX XXXX at this time was very helpful & friendly telling me it was no problem & that he would speak w/the company partners to get an overpayment check issued back to the original issuer. XXXX XXXX requested the title company call him directly because the check came from the escrow account. The title company called XXXX XXXX & he told them that he would work on getting the check mailed out to them. After waiting a reasonable amount of time & no check, I started calling XXXX XXXX but he was out of office or in meetings but would call me back. Never a single return after over a dozen phone calls over 2 months. Finally get XXXX XXXX to respond & he said he was waiting for accounting to respond & kept giving excuses for delays. Finally today he responds that they will not issue the overpayment check. XXXX XXXX is saying that the check was received after the settlement agreed date but we spoke on XX/XX/23 & XXXX XXXX stated it was no problem & he was working to issue the overpayment. XXXX XXXX claims he was not involved w/my acct is false. This was a verbal agreement made on a recorded line. XXXX XXXX strung me along for 2 months and is playing games with my money & overpayment that was agreed upon being returned. While I understand this is an exception based on the agreement XXXX XXXX advised it was no issue & agreed to it in XX/XX/23. Business is based on the owners word and in this case XXXX XXXX word means nothing. XXXX XXXX under FDCPA breached XXXX. False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 


During the communication process Vance & Huffman did not follow proper protocol for verification of person on phone. Numerous times calling in to Vance & Huffman and they would state my personal information and i would say yes and this was the verification which they would complete to verify I was who I say I was. This is in breach of the debt collection guidelines for verifying persons over phone. 

Vance & Huffman falsely advertise that they are an A+ rated BBB company which XXXX  has verified they are not A+ rating and this is indeed falsified information placed on the company website to provide false pretenses on the company standings.
Product: Mortgage

To whom it may concern, I have been trying to complete a Qualified Assumption with Bank of America for the last two months. The security interest in the house is mine as outlined in the Property Settlement Agreement. The deed has been updated with the county registrar. I've been making the mortgage payments since the divorce ( XX/XX/2023 ). I've proven sufficient income and have a high credit score. Bank of America has asked for an unreasonable amount of documentation and explanation for transactions on my accounts. Bank statements, Letters of Explanation, Retirement account statements, multiple transactions ( loan payoff/pay down ). Seems that no amount of documentation satisfies their demands. It is becoming increasing clear they do not wish to process the Qualified Assumption. I have to believe this is related to the interest rate of 3.5 % on the mortgage. I can provide dates and complete descriptions of the documentation provided. They literally have copies of every financial transaction as well as letters of explanation for everything that's transacted for the past XXXX months.
Product: Credit reporting

I sent a certified letter to all XXXX credit agencies about deleting hard inquiries. Several hard inquiries on my reports were not requested by me. TransUnion, XXXX and XXXX are refusing to delete them. There are only a few inquiries on my report that are legit inquiries. Please remove the information off my report.
Product: Credit reporting, credit repair services, 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I demanded that my accounts be suspended within the next XXXX hrs, at the very latest. 
And my funds are available to be withdrawn at my description. 

My Checking and Savings accounts with Upgrade.com ( through XXXX XXXX  ) got suspended yesterday when I tried to initiate a transfer ( withdrawal ) from my newly opened account at XXXX XXXX. 
XXXX XXXX  attempted to withdraw XXXX from my Upgrade savings account, at my request. However, the withdrawal was rejected by Upgrade. Then, I proceeded to log in to my Upgrade account and attempted to add a new External account, the newly opened XXXX account, in order to send the money directly from Upgrade to XXXX. That's when my Upgrade accounts get suspended. 

" Your XXXX XXXX account ending XXXX  account has been suspended due to unexpected activity. AND- Your Rewards Checking account ending XXXX account has been suspended due to unexpected activity. " While I appreciate Upgrade ensuring this was not a fraud attempt by an unauthorized party, I have contacted their Customer Service twice and already provided all the supporting documentation needed to substantiate that I, the sole account owner, acting in my full capacity, initiated the requested to move out XXXX from my Upgrade Savings Account to a my new XXXX  account. 

In addition, I demanded that my accounts be reactivated and my funds available within the next XXXX hrs, at the very latest. Otherwise, I'd have to choose but to reach out to every banking regulatory body I can. Including and not limited to the CFPB. 

I'm looking forward to an expedited resolution, even before the next XXXX. I have provided you all the information to substantiate the legitimacy of the transactions that led to the accounts being suspended.