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

First off let me start by saying that THIS IS NOT A REINVESTIGATION REQUEST. I've made several attempts to remind your of your obligations pursuit to 15USC 1681. It seems as if you are intentionally and willfully being neglectful in remedying my affairs. USC 1681E ( b ) assures that I am due, promised accuracy in my report based on federal law. I am sending this complaint as another attempt to have these errors corrected. 15 USC 1681 ( A.5 ) says that after the reinvestigation all of the unverified information must be promptly removed. As you can see from your records, these accounts were disputed without being properly investigated, thus I know that they can not be validated or verified. The accounts that I am referring to are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have student loans with Navient and was unable to make payments and I tried for weeks now to log in to my account and page not located. On XX/XX/2019, I requested a General Forbearance Request. I  have a true and correct copy of said document I just cant get file to upload. I still haven't received any email or telephone calls from said company. This company is threatening my default of my loan and free my bank accounts and take my tax refund. I had several hardships last year ie the XXXX, weeding, death of my grandson and was scammed by XXXX XXXX XXXX on XX/XX/XXXX for {$1500.00}. I want to make said payments just need time to get my finances back on track.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial in accurately reporting consumer information. It is payment im perative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX, account number XXXX ], [ XXXX, account number XXXX ], [ XXXX XXXX XXXX, account number XXXX ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments, If unable to furnish such proof, I demand that these payments be promptl updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reports to the credit reports that my monthly mortgage payment is {$6300.00} while in effect it is only {$3100.00} for principal and interest. The reminder is for escrow payment. However this does not get explained to anyone else who sees my credit report and they pick up my minimum payment of {$6300.00} rather than XXXX. As such other lender ratio analysis doe not qualify me for credit. This needs to be changed so that only the {$3100.00} is being reported as a liability payment. This is incorrect. I effect Planet Home Lending reports a me having $ XXXX of liability to them, rather than $ XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I am currently on a payment deferment on this lease with VW because of the Coronoa Virus outbreak. They reported me late 30 days last month even though I am on a {$0.00} monthly payment with them. I called to try and fix it and they said they needed to see a dispute before they could fix it. this seems outrageous! please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a federally protected consumer, am making this complaint against Equifax for continuing to report inaccurate information on my consumer report. After submitting a complaint against XXXX XXXX on XX/XX/2022, XXXX XXXX granted my request for removal and deletion of the alleged debt on all reporting agencies, of which the deletion was granted on XXXX on XX/XX/2022 ( attached screenshot labeled as Exhibit A ) and XXXX. After viewing my consumer report from Equifax I noticed that this account is still being furnished on my consumer report, attachment labeled Exhibit B. After attempting to settle this issue with Equifax to request that they correct the errors that they are reporting on my consumer report, I noticed that this same account is unable to be disputed, attachment labeled Exhibit C. According to the FCRA XXXX everything has to be 100 % accurate on my consumer report. With the evidence provided, it clearly shows that Equifax is indeed furnishing false and inaccurate information on my consumer report and this is definitely grounds for deletion/removal. I am demanding that Equifax correct this error immediately due to causing me and my financial reputation harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Upon checking my credit report I saw a few disturbing inaccurate accounts on my credit report. These account were not authorized or have a permisable purpose to be on my personal credit credit report. 
I an aware of 15 USC 1681c which states a consumer report will be kept confidential. Please remove this account from my credit profile immediately. This action is effecting the way I live. 

XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

# What happened? 

On XX/XX/XXXX, I discovered an unauthorized Nordstrom credit account on my XXXX credit report. This account was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX, with a past due balance of {$6900.00}. The account number ends in XXXX. 

Key points : 1. I did not open this account and have never had a Nordstrom credit card. 

2. I contacted Nordstrom on XX/XX/XXXX. They could not find any open or closed accounts in my name and promised their fraud department would call me. As of XXXX, I have not received this call. 

3. XXXX has blocked my access to my account for years, preventing me from disputing this fraudulent account directly. 

XXXX. I only became aware of this issue after being removed from XXXX 's Path to XXXX XXXX program. I had to use a third-party app ( XXXX ) to access my XXXX report information. 

XXXX. This fraudulent account has negatively impacted my credit score and financial opportunities.

I believe this situation violates my rights under the Fair Credit Reporting Act. I'm requesting that : 1. The fraudulent Nordstrom account be immediately removed from my credit report. 
XXXX. XXXX restore my access to view and dispute items on my credit report. 
XXXX. Both Nordstrom and XXXX investigate this matter thoroughly and provide me with the results in writing. 

I've attempted to resolve this issue directly with both companies but have been unsuccessful. I'm seeking the CFPB 's assistance in addressing this matter promptly and fairly.
Product: Credit reporting or other personal consumer reports

The fraudulent, inaccurate, and misleading information on my credit report persists unresolved despite my numerous attempts to address it. The presence of these items has profoundly impacted my life, causing me significant stress and XXXX. It is crucial to emphasize that I did not authorize or consent to having this information associated with my name, as I have been a victim of identity theft.
Product: Debt collection

Debt collector against whom this complaint is being file : Commonwealth Financial Systems Inc XXXX XXXX   XXXX XXXX, PA. XXXX XXXX XXXX Unwarranted negative reporting to debt collection agency : XX/XX/2018 XXXX Complainant : XXXX XXXX XXXX ( maiden name : XXXX ) SS : XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Tel : XXXX Cell : XXXX Paid under duress : {$540.00} Alleged account number : XXXX Date of debt : unknown Hello, Please help me. My credit monitoring company informed me that Commonwealth Financial Systems had reported a negative account of an alleged debt that was in collection. 
I immediately called and they said it was a medical bill ( which sounded possible, but not sure what it was ). I never received notice of any kind from the collector. The company prematurely put this negative item on my report. 

According to commonwealth Financials representative, in order to delete this item from my report, I needed to pay the account in full. My credit report was in essence held XXXX to the companys will. I paid the bill under duress without notice, demand, verification or communication. 

Please discipline this company and have my money returned.
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 safety consumer.
Product: Debt collection

I've been contacted numerous times by Accelerated Financial Solutions for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by Accelerated Financial solutions. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had two late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsibility to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

Advanced Recovery Systems, whose address is XXXX. XXXX XXXX XXXX, MS XXXX, sued me for medical debt in XXXX County Justice Court. I showed to the hearing and cited improper venue because the FDCPA states that the suit against a debtor is to be brought in the county where the debtor presently resides or the county where the contract was signed. I am a resident of XXXX County in the State of Mississippi and was when I received the healthcare service from the original medical providers. The medical providers are all entities located in XXXX County. ARS is a debt collector and they bundled 4 independent assignments from 3 different entities into one lawsuit. I never received the demand letter from the attorney of record, XXXX XXXX XXXX XXXX, representing ARS because it went to the county that the suit was filed. ARS, debt collector, clearly violated my rights under the FDCPA and due process rights.
Product: Debt collection

I never gave any permission to this organization to have my information and they have sent the attached mailing which constitutes of several Federal violations. Pursuant 18 USC 241 this organization is conspiring with American Express and the consumer reporting agency 's not only depriving my right to credit but also my right to privacy 15 USC 1692a as a consumer pursuant also furnishing negative information which is deformation of character to the Natural person and original creditor. I am envoking my specified remedy as a consumer and seeking compensation and remedy for all matters addressed in the below attached affidavit of truth with exhibits.
Product: Checking or savings account

Ihave received a wire from my bank of the total amount XXXX $ from an investor in my business account. 
They hold the account for review since last Friday the XXXX. 
I need to have access to my funds immediately as its my rights to do so
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  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights 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 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

I am writing to dispute and request the removal of unauthorized and unverified hard inquiries listed on my credit report, as provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiries in question, along with their respective dates, are as follows : * 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 I have contacted each of these companies to inquire about the nature and purpose of these inquiries. However, they have consistently stated that they have no record of such inquiries in their systems. Therefore, I believe these inquiries are unauthorized and lack verification. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 2 ), I am entitled to request the removal of inaccurate and unverified information from my credit report. The FCRA mandates that consumer reporting agencies promptly investigate and remove any information that can not be verified.

I request that XXXX XXXX conducts a thorough investigation into these inquiries, proving me with proof of investigation and promptly removes them from my credit report if they are unable to be verified. I also kindly ask that you provide me with written documentation of the results of this investigation. 
Your prompt attention to this matter is appreciated, as the inaccurate reporting of these inquiries has the potential to harm my credit standing. 
Thank you for your assistance in resolving this dispute. I look forward to a swift and favorable resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit reports from XXXX and XXXX on XX/XX/year> and noticed that selfinc/lead acount # XXXX is reporting inaccurate inconsistent information on my credit report and I disputed this account XXXX and they are still reporting inconsistent and inaccurate information.according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account self inc/lead is violating my federally protected rights under 15u.s.c1681.please delete immediately and pay me {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! 

My credit it tied to a person I have never met. Our names and socials are similar, but we live in two different stated : I live in NC and have never lived in Texas, and she liv es in Texas. 

I have reached out to Equifax to let them know of the error and sent my birth certificate, social, XXXX, and proof of address in. They changed the name, birthdate and address on the account to my information. The debt still belonged to the other person ( XXXX XXXX ). She reached out to Equifax, and they changed it back to her name and address, but not birthday and social. 

The account is now locked, and I have no access to credit. I was denied a refinance on my home because my debt to credit ratio was too high, but the information on my credit report belongs to XXXX XXXX, not to me. I paid {$500.00} to have the house appraised and got denied by my own bank. I ca n't go buy a car because my credit report is locked, but it is n't my credit report. 

Every time I call, I am told that everything is fixed, or I am transferred, and the call is disconnected. I have spent hours trying to resolve this issue and have yet to talk with someone that can help. I receive mail, almost weekly from Equifax saying that one thing has been changed, but usually its changing her birthday to mine or mine to hers or changing addresses from NC to Texas. 

The number at the top of my record is XXXX The confirmation # is XXXX This has been going on since XXXX with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

First reported to all three credit bureaus on XX/XX/XXXX that XXXX XXXX loans falsely reported me late on the XXXX of XXXX. I was placed into a new payment plan with XXXX  on the XXXX following being laid off. Their credit reporting department and collections/payment plan department apparently do not talk to one another. My account is current and currently showing nothing due at this time. For some reason XXXX is only reporting one of the three loans current when all four loans are under the same payment plan which means they should all be reporting as current. XXXX and XXXX were reporting exceptional payment history for all four loans but now it looks like on my end they are showing a missed payment for XXXX again. Again all four loans for XXXX on all three credit bureaus should be reporting as no recent missed payments. I am trying to move forward on a home loan and if this isn't resolved in time, i.e. this week I will be homeless thanks to XXXX falsely reporting. 

Likewise, my Wells Fargo account was in a payment plan - never received that documentation from Wells Fargo account has been paid in full and should reflect that on my credit report ASAP too.
Product: Debt collection

In my review of my credit report on XX/XX/2018 XXXX XXXX is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a 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: Mortgage

We closed on our loan with AFN on XXXX XXXX, 2023 and the 1st payment was due on XX/XX/XXXX. On XX/XX/XXXX, we received an email from our home insurance company that they received notice to change the loan servicer to XXXX XXXX Prior to this email from our insurance company, we were not notified that our loan had been transferred as required by law. 

When I called AFN on XX/XX/XXXX, I was told that it was transferred to XXXX XXXX Mortgage and given a Loan Number ( but still was not given a transfer date or copy of letter ). XXXX XXXX XXXX  disputes that they purchased this loan. I spoke to our insurance company again and they confirmed that they received notification from AFN that it was transferred to XXXX XXXX ( I have a copy of that letter ). XXXX Mortgage also disputes that they purchased this loan. I spoke to XXXX XXXX on XX/XX/XXXX & XXXX, and their records indicate that it was transferred to XXXX XXXX XXXX XXXX. 

I spoke to AFN again on XX/XX/XXXX and finally gave me a Transfer Date of XX/XX/XXXX and was told a letter was mailed on XX/XX/XXXX ( we never received ). I requested a copy of the original letter with the XX/XX/XXXX mailing and was emailed a copy showing a date of XX/XX/XXXX ( same day I requested ). 

Our payment is still showing a Due Date of XX/XX/2023 but all parties have told me not to send payment as they have no record of holding the loan. I still have no clue who the actual loan servicer is since everyone has given us a different company and nobody has record of servicing the loan!!