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

On XX/XX/2021 I submitted a dispute with Equifax about a bankrupcty on my report, I received a letter from them stated that they verified the bankruptcy through XXXX company on XX/XX/2021. So they how could not have been verified from XXXX because I had disputed the bankruptcy with XXXX and they have deleted it from my profile on XX/XX/2021. I sent Equifax the letter that I received from XXXX that show proof that they have removed the bankruptcy from my file and Equifax refuse to delete it from my credit report. So Equifax is reporting false information on my report. I called on XX/XX/2021 talked with one of their agents name XXXX who ID number is XXXX and he told me that there is nothing that they could do because they verified it with XXXX, so I asked if he can send me proof that XXXX say that I have a bankruptcy, and he said that he can not and I said then you must remove it because you are reporting false informantion. I would like to have this bankruptcy remove immediately from 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. 

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 XXXXXXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Charge Off : XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX {$22000.00} Collection : XXXX XXXX {$3000.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX 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 that also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt or credit management

I recently looked at my credit report and found several inaccuracies. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate the account for me to ensure accuracy. Heres the account Im asking you to verify as accurate XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Eperians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I investigated this hard and far and I needed to be removed from my credit report as soon as possible. 
Companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies ran a XXXX inquiry without my permission or my consent. This needs to be report removed from my credit report as soon as possible because its in violation. 

US Codes 18 USC 1028 15 US Code 1602 p
Product: Mortgage

my name is XXXX '' XXXX i am again complaing about bayview why have you not done your job i am asking that the company stop sending me info about the hamp waste of paper and not in military they sent me certified letter that i had to take to the post-office thought is was serious the letter contain only about the hamp i got a regular mail reL this and a certified letter in say day wasted by time and gas XXXX round trip to have the same letter sent t me if they want to spend money and waste it they can lower my payments i want the letters stoped you have not done your job i have ask you find out why if i send a money order to the company it takes days to get their i am never late, also if i pay on line it takes XXXX to get to thier bank then they say they then wait on a check sent to them XXXX they post my payment this makes no sence do not send me a statement what i have payed that is always what i get do your job and make them have payment sent to only XXXX place i am sure the way they have it set up so they can add late payment to bill i have proof the payment this month got their on the XXXX better not have a letter or call say they did not receive it. every time i complain you send me a letter saying working on it has been many months now if they want to waste money by sending out the hamp info they can lower my payment. do your job and investigate.loan # XXXX thank you.
Product: Student loan

Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.
Product: Student loan

I've tried for years to get my transcript from XXXX  XXXX University and they refuse to release it to me on grounds that I owe them money. During the course of my time there the school that I went to at the University went under a Title Nine investigation for having students go on XXXX  watch for consistent years in a row and even then they refuse to release my transcript.
Product: Bank account or service

This may also be a credit card complaint. I was issued a credit card over two years ago from a Wells Fargo branch that I did not authorize in any way. The teller asked me if I wanted overdraft protection on my account since my husband had it. I said sure and went along with my banking that day. When I received a card in the mail asking for activation I immediately contacted the branch and made a complaint. Action was taken with the employee and I never authorized my card. In XXXX 2015 my husband was reviewing our accounts and found that we had a late payment for about {$500.00}. This was stressing because we are very much on top of our accounts and have over XXXX credit scores that are very important to us and our business. We went into the same bank branch to determine what happened and it turned out that we overdrafted money one day when we made a withdrawal just before we deposited more money. This kicked in the overdraft credit card that I never authorized or even knew we had. We immediately took care of our charges, and asked the bank to remove the financing charges and any impact this would have to our credit. They removed the financing charges and we wanted to close the card, but they said it would impact my credit score. This seemed really unfair because I never approved this card, found out two years later it existed, and now ca n't close it without a negative impact on my credit. We had multiple conversations with the branch manager and it was moved up to the highest level of Wells Fargo, or at least that is what we were told, when they denied us the opportunity to close the card without a negative impact on my credit. I am reporting this in full as a complaint on the issuance of the card and the bank handling correcting a mistake. This has taken over six months to get the decline from the executive level of the bank and many hours of frustration as a consumer.
Product: Vehicle loan or lease

Interest is over 21 % for a 2008 vehicle. Dealer never told me this insane rate and vehicle had countless issues and no response from dealer. Credit acceptance harassed me as i lost job to repay screaming shouting, this company is tortur
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX XXXX XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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: Mortgage

Mortgage was sold by local financial institution, XXXX, to BB & T. I have accounts and electronic banking with XXXX. Not a customer of BB & T, other than now forced to be for mortgage servicing. Have tried unsuccessfully to enroll in online banking for BB & T, thus submit monthly mortgage payments via check with BB & T issued deposit slips and envelopes. There are no BB & T locations within 50 miles of me ( vs 24 locations for XXXX ). It seems to take ~5 days for mail correspondence between myself in CT and BB & T in NC. 

My XXXX mortgage check bounced, unbeknownst to me ( explained in attached letter ). There was no indication, other than ( in hindsight ) a {$25.00} NSF fee posted to my bank account on XX/XX/XXXX. The check had been mailed the first week of XX/XX/XXXX. 

BB & T did not notify me until XX/XX/XXXX of the issue. At that point, it was already 30 days past XX/XX/XXXX due date ( alternatively, since the mortgage isn't late until after the XX/XX/XXXX of the month, you could also argue that it is not yet 30 days late since a payment was made on XX/XX/XXXX, before XX/XX/XXXX ). 

BB & T notified me of the declined payment on XX/XX/XXXX, at which point I immediately addressed the issue. In fact, I had already mailed a regular monthly check on XX/XX/XXXX ( since I was unaware of the issue ), which BB & T processed on XX/XX/XXXX ( the aforementioned XX/XX/XXXX payment. 

BB & T reported the delinquency to credit agencies on XX/XX/XXXX, despite, at that point, being caught up given the XX/XX/XXXX payment. I continue to receive mail correspondence from BB & T, all with different balance due amounts, foreclosure documents, etc., clearly illustrating that BB & T 's processes are lagging. BB & T is not meeting the standard of mortgage servicing that was agreed to with original loan underwriting. It was not possible to rectify the payment issue within a 30 day period given the lag of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying {$10.00} a month for over a year to protect my credit by locking my file, monitoring my bank account, phone numbers, emails, and social security. Today i received an email saying my account was unlocked and cancelled. I tried to renew it but the new price is {$34.00}. I did not receive any email notifying me this would take place and now i only have coverage for reports. I have no dark web coverage like before and I have to pay {$35.00} if i want my file locked.
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. 


FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : SXXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Validation Required XXXX XXXX XXXX Re : Account # XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Product: Credit card or prepaid card

I applied for a few general purpose credit cards and was denied this particular one, Citi AAdvantage, because of my limited credit history and too many recent credit inquiries. Then they had the nerve to tell me to apply for another card with them after they just denied me because of the inquiries. When I pointed that out to them, I was again told to wait a while -- as if they were waiting on me to die off. 
This is discriminatory. 

My application ID is XXXX
Product: Mortgage

WELLS FARGO HOME MORTGAGE REFUSED, IGNORED, GAVE NO CONSIDERATION,, ABUSED, USED, AND REFUSED THROUGH THIS WEBSITE AND DOCUMENTATION, OVER THE PHONE OR BY ANY OTHER MEANS ANSWERING MY QUESTIONS AND SHOWING ME THE WET INK, NOT COPY, OF THE ORIGINAL NOTE SIGNED BY ME XX/XX/XXXX. XXXX. 

HOW DO I SUE WELLS FARGO AND HAVE A LEGITIMATE COURT TAKE ACTION AGAINST WELLS FARGO HOME MORTGAGE? 

THE HUD HOUSING COUNSELORS SAID IN THEIR PRESENTATION THAT HUD HAS BEEN SUED OR HE SERVICERS HAVE BEEN SUED... SO I WAN TO SUE WELLS FARGO HOME MORTGAGE AND THE ATTORNEY WHO SOLD MY HOME... OVER THE INTERNET AT AUCTION ON XX/XX/XXXX. XXXX. SOMEONE HAS TO BE SUED. HOW DO I GET REPARATIONS FOR THEFT OF HOME ... AFTER ALL THE QUESTIONS AND REQUESTS FOR PROOF OF A DEBT WHICH WELLS FARGO REFUSED, INGNORED AND IGNORED NUMEROUS TIMES THROUGH THIS TRAVESTY OF A COMPLAINT WEBSIGHT.
Product: Payday loan, title loan, personal loan, or advance loan

Borrowed money from one main and realized they have deceptive loan practices by adding in unknown/optional products.
Product: Debt collection

I get numerous calls per week from ERC trying to collect a debt for someone I do not know. I have told them on several occasions that I have had this number for less than a year and am not the person they are looking for. They continue to call from different numbers even though I have asked them to stop.
Product: Money transfers

I have recently made a transaction on XXXX XXXX. The receiver in XXXX informed me she has not received the money yet. I contacted western union and they told me that the transaction was declined and the refund will be made within 7 business days. After 7 business days i called for the follow-up, they told me there was an issue to the refund, and asked me to wait 7 more business days. After a third 7 business days, i called them again and the agent asked me to wait another 7 business days. They told me the same thing for the fouth call. Today, i call them for the fifth time, and they still ask me to wait 3-5 business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX division has received total payoff XXXXXXXX XXXX XXXXXXXX. However when I called them at the time I was told. They accepted all but {$7.00}, and they put that {$7.00} on another account for my sons in XXXX. When I asked why? They said the system does that because it's all one. They then drug my credit through the XXXX XXXX XXXX  yrs with non-payment marks before closing in XX/XX/XXXX. That's Statutory damage to my credit. It was payed off completely in XXXX XXXX. They didn't even acknowledge with receipt.
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed a series of accounts in the name of MIDLANDCRE ( XXXX, XXXX, XXXX, XXXX ), XXXX XXXX ( XXXX, XXXX ), and XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collection agencies themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing and violating my rights as a consumer, potentially leading to identity theft. Therefore, I am submitting this complaint to request validation and verification of the accounts, for which you can provide me with certified evidence. Where do I give consent for these accounts to be reported on my credit history? As well as the prior notifications regarding the transfer of the accounts by the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions. 
15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

I am 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about Consumers safety