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

In XX/XX/XXXX, I discovered inaccurate information reported by Experian ; particularly, that for the months of XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX I was reported 30, 60, 90 and 120 days past due by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I disputed the information in accordance with Experian 's established procedure. In XX/XX/XXXX the information was refreshed with a response only that XXXX had verified the information. 

I attempted to contact both XXXX and Experian to submit to me the what information verified I had an account with them. 

I contracted with XXXX XXXX XXXX to assist me in this matter. In XXXX, the information refreshed again on the credit report in response to inquiry by XXXX. However, I did not receive any documentation to support the delinquencies or my responsibility to this account. I followed advice and sent two letters, one by certified mail, to request information to substantiate how I was fiduciarily responsible for what they reported, to include any documents signed, when I was informed ; and, if there are no supporting documents, this information was to be removed. 

Since XX/XX/XXXX has not sent any supporting documents, accordingly, information was to be removed within 60 days by Experian ( see attached letter ). As of XX/XX/XXXX, more than 90 days, later, the information has not been removed. I have not receive any response or further information from XXXX or Experian. 

Furthermore, I have a paid service with Experian, and I am still not able to get in contact with a person through chat or telephone to resolve this matter. 

Before, going directly to an attorney, I was advised to go through your agency and the Federal Commission on Insurance and Banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and Metro2 guidelines. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Report Date : [ Date from credit report, e.g., XX/XX/year> ]
Product: Debt collection

A 'dunning ' letter sent from Credit Control , LLC was dated XXXX XXXX, 2015 and received by consumer XXXX XXXX 2015 which Consumer feels cuts deep into the XXXX ( XXXX ) day timeline allotted by the FDCPA to respond to the letter in a timely manner. The envelope the letter was mailed in was postmarked XXXX XXXX and received by consumer XXXX XXXX 2015. This attempt by Credit Control , LLC to violate consumer 's right to the XXXX ( XXXX ) day timeline allotted to dispute the debt falls under the Fair Debt Collections Practices Act ; Section 15 U.S.C. 1692e " false, deceptive, misleading representation ' and violates consumers rights. Furthermore, Consumer does not owe Credit Control , LLC a 'debt ' based on the FACT : Consumer has no fiduciary, contractual obligation to pay Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) anything. There is no payment history, nor products, or services that have been rendered to Credit Control , LLC, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) pursues this matter. Consumer refuses to be a 'victim ' of unjust enrichment or extortion. Consumer thanks CFPB for providing this venue as a means of formal documentation. Consumer will file a state and federal lawsuit if Credit Control , LLC chooses to adopt their own agenda and ignore this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase continues to report delinquencies for Chase account XXXX throughXX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative information from XXXX XXXX XXXX under my name and social security number. I never opened the account they are reporting. This account was opened due to identity theft. I submit a police report to them reporting identity theft and based on my consumer rights with the Federal Trade Commission " if a police report is filed based on identity theft the item is supposed to be removed immediately ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX wish to file a formal complaint with each pertinent credit reporting agency, XXXX, Equifax and XXXX XXXX collectively.  A debt collection agency known as XXXX XXXX   is involved in what will eventually be exposed as the largest financial scam against American consumers.  What XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX have done, and probably are doing on a much larger scale, is designating themselves as debt buyers from collection debt information referred through debt pool information affiliations.  The original debtor was XXXX XXXX XXXX, and without going into a very detailed outline of what entity owns the debt, I assure you that my credit card debt was pooled with a one billion plus dollar securitization.  At no time was XXXX XXXX in a position to own this debt, and for that matter, XXXX XXXX   has clouded their scan even deeper by stating that the debt was acquired by XXXX XXXX XXXX XXXX XXXX, which is affiliated as a sister company of XXXX XXXX, see XXXX v.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX (2:13-cv-00917), District Court, C.D. California.  This is a scam not only perpetuated against a consumer, but upon challenging the validity of the debt, XXXX XXXX came back as VERIFIED AS ACCURATE.  Now the plot thickens, as the very same debt was supposedly purchased by XXXX XXXX XXXX, and eventually I settled with that agency, even though XXXX could not prove ownership.  So how can two debt buyers purchase the same debt at the same time?  The truth is, XXXX XXXX   never had any position on this debt, and this debt buyer/debt collection agency has voided its responsibility to its subscriber agreement with every credit reporting agency.  They are scammers to a fault, and their licensing agreement with each credit reporting agency should be pulled immediately.  The collection items must be removed, and the Federal Trade Commission along with the Consumer Financial Protection Bureau must step in and take legal action against XXXX XXXX and their affiliated businesses.  P.S. There are no less that 54 current lawsuits found through XXXX against XXXX XXXX XXXX XXXX. XXXX, and this must give the credit reporting agencies a huge red flag on XXXX XXXX   licensing.
Product: Credit reporting or other personal consumer reports

I didn't know much about credit and when I decided to learn about my credit and check my score, I was shocked. Someone took a lot of credit using my information. 
There are accounts on my credit report which are the result of identity theft. I have not applied for any of these accounts XXXXXXXX XXXX Account Number : XXXX Opened XX/XX/2022 XXXX XXXX Account Number : XXXX Opened XXXX XXXXXX/XX/2022 XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Opened XX/XX/2022 There are also inquiries that I have not applied XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 These address and phone numbers are not mine as well Addresses : XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Phone numbers : XXXX, XXXX I am attaching FTC identity theft report and driving license
Product: Debt collection

Debt collection company tried only 2 times in 6 months to send a letter telling me a medical debt from a hospital was with them. I had moved. I was not getting these notices. They said they tried calling me, they had an old number. I received in the mail at my new address a potential judgement from the clerk of courts. I called the debt collection company that of them I had no idea this was going on and I could pay {$500.00} a month til the {$2500.00} balance was gone. Of course it had gone to far. So I faxed the clerk of courts and stated what I just stated. I denied the claim because they only tried twice in 6 months to contact me and that I could and would work out a payment plan with them. Still the judgment came through today. Is this legal?!
Product: Student loan

Nelnet loan services sent a single email to an old account that was initially established with Nelnet over 10 years ago, and then charged my account directly without further notification for {$3500.00} overdrafting my account. 

The loan servicer charged an outrageous, unreasonable amount for monthly student load payment and gave no warning other than a single billing statement sent to an old email address that has not been verified in 10 years. 

Nelnet made no effort to contact me or update my email for over 10 years before charging over {$5000.00} to my checking account without approval. Nelnet student loan service is sneaky, abusive wnd predatory. Nelnet also refused to refund or defer my payment even tho I contacted them before the charge has been verified by my bank.
Product: Credit card or prepaid card

I am requesting that CFPB investigate how Comenity Bank, the servicer for the retailer XXXX, is assessing interest fees on accounts that have balances that are carried forward into the following billing cycle. 

In XX/XX/2022, I had a balance that carried forward. I subsequently paid the balance in full and Comenity Bank has continued to assess interest charges. 

I paid the balance on my XXXX statement in full and Comenity Bank assessed {$2.00} interest. On XX/XX/XXXX, I paid {$2.00} and for 5 days the balance was XXXX until I used my card for another purchase. Comenity Bank charged me {$2.00} in interest on my XXXX statement despite the last interest fee having been paid and the account having a XXXX balance  for 5 days before another charge was made. Comenity Bank is stating that I can't use my card until the next business cycle or they will continue to assess interest charges. 

This practice is nickel and dimeing consumers.
Product: Money transfer, virtual currency, or money service

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. 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Dear US Bank NationaXXXX, Are We in Loss Mitigation right now? 
Please respond with a letter stating yes or no. Explaining why or why not. 
See attached, US Bank National letter to me dated XX/XX/XXXX to reach out to them for help with mortgage. 
I reach out with a Mortgage Assistance Application on XX/XX/XXXX. 
Sent all disability and income/pay stub attached. 
US Bank Acknowledged by email to me on XX/XX/XXXX - see attached - that they did receive it. 
Please have your Attorney cancel the sale date of my home set for XX/XX/XXXX. 
The letter you sent me dated XX/XX/XXXX, was BEFORE your Attorney got a sale date on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX where the payments are reporting late and that is not the case The account number is XXXX. I have attached proof that this should not be reporting with any late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax, XXXX Has Failed to comply with their own credit company policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I have disputed this with the company before about reporting late payments to my credit profile. In accordance with the consumer law 15 USC 1666b ( Timing of Payments ). CASH1 did not send me notice no later than 21 days before the date specified in the statement by which payment must be made. I have not received the notice and therefore this has been a billing dispute. I have made CASH 1 aware about reporting late payments. Please correct this derogatory mark to a positive status.
Product: Bank account or service

I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them?
Product: Debt collection

Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

Being a victim of Fraud and Identity theft. I recently pulled my credit report and the accounts being reported are inaccurate and I havent had these accounts. Public Records Bankruptcy. XXXX XXXX. 

HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inquiries that are reported on my credit report. I never gave consent to these. These is a violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. These inquiries have negatively impacted my credit score and financial standing. Below are the details of the unauthorized inquiries : Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XXXX Creditor : XXXX  Account Number XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX XXXX have not applied for credit with the aforementioned creditors or authorized anyone else to inquire on my behalf. These unauthorized inquiries are inaccurate and unjustly affecting my creditworthiness. I kindly request that these inquiries be promptly investigated and removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

Enclosed are copies of documents supporting my identity, such as a driver 's license, passport, or utility bill, as well as any additional information you may require to assist with this investigation. 


Please provide a written response confirming the removal of these unauthorized inquiries from my credit report as soon as possible. Additionally, I request that you send an updated copy of my credit report reflecting the removal of these inquiries. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

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

I have contact XXXX about this problem and also Equifax about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft multiple times, I have been a victim of multiple data breaches where my information was leaked by Experian, XXXX, and XXXX 
As a result of irresponsible handling of my information has lead to new fraudulent accounts being opened and fraudulent transactions taken place. All have been reported. I have filed disputes over the fraudulent material and Experian is the only reporting agency who refuses to remove all the fraudulent accounts from my credit report. Other agencies have removed some of the accounts but not all accounts. Again there are fraudulent accounts on my credit report that Experian claim are my responsibility. They are fraudulent and have been reported to the FTC as fraud. This is costing me opportunities for housing and negative information is being reported to credit agencies. Costing me credit accounts, bank accounts, and housing.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> XXXX XXXXXXXX Date of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my identifying documents, this is proof of identity for all correspondences for this communication. The credit reporting agency has over reached and violated my privacy rights via 15 USC 6802-Obligations with respect to disclosures of personal information. Consumer reporting agencies may not disclose nonpublic personal information pursuant15 USC 6802a ( 6 ( a ) ) the Fair Credit Reporting Act establishes this protection to me as a federally protected consumer. Per 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ XXXX XXXX XXXX XXXX BANKRUPTCIES/ XXXX XXXX XXXX ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

This is a clear violation per 15 U.S.C. 1681 et seq. 

I've also included responses from XXXX XXXX and the Bankruptcy Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$65.00}, XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$6400.00}