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

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following XXXX loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX XXXX the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I refinanced our existing XXXX XXXX  VA mortgage with another lender in XX/XX/2020. We completed the closing process and wired the required payoff to the title company within that same month. I received verbal confirmation from both the new lender and XXXX XXXX  representatives that the month 's mortgage payment did not need to be made, as a payoff request had been initiated prior. The payoff was completed, in full, and we were reported to all XXXX, Equifax, and XXXX  credit bureaus two weeks later. Several unsuccessful attempts were made with XXXX XXXX  and the three credit bureaus to remove XXXX 's " late '' payment since XX/XX/2020. The credit bureaus did not objectively review the statements and documentation, only deferred to XXXX XXXX  's statement. We, as the consumers, did everything under the advisement of XXXX XXXX  and the new lender, and in good faith, and completed our obligations on time. A detailed summary is provided in the attached documents, with amplifying information and substantiating documents.
Product: Checking or savings account

I was a customer with Simple. BBVA took over and transitioned all customer accounts from Simple to BBVA on XX/XX/2021. I, along with countless others as evidenced on XXXX, am unable to access my bank account through BBVA. I have attempted to resolve this issue on their website and by contacting their customer support phone numbers. It appears they have purposely shut off their phones based on the automated message indicating they are experiencing an issue and then disconnecting all calls. 

I am unclear why this transition was completed on a weekend and why they are purposefully preventing customers from contacting them to resolve the issues caused by this horrible transition plan.
Product: Credit reporting or other personal consumer reports

I went to XXXX  on XX/XX/year> and was recently released. The only banks that I have are XXXX and XXXX  XXXX XXXX. But on my credit report, I have active and open accounts that I know nothing about. Ive never had a XXXX XXXX  account. Ive never had a XXXX XXXX XXXX  account. Ive never had a XXXX XXXX XXXX account either. Yet all these things are on my credit report. I filed dispute letters with all 3 bearus weeks ago and have not received any results.Ive got open loans in my name that I did not authorize. I dont have any open loans, not with XXXX XXXX. Not with mobile loans, Im not in school. I dont have any school loans either but thats also still I my credit. I am a victim of IDENTITY THEFT Can the inquiries and accounts that I did not authorize please get removed? 
Police report number - XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on insert date, and noticed some things are incomplete and not accurate. And 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. 

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 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 update to paid as agreed on the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Update this account to paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 - Incorrect Name
Product: Checking or savings account

TD Bank send me an email promotion with a special offer of 4.5 % APY if I transferred {$10000.00} of new money. I opened the account and deposited {$10000.00}. 
There are many issues with how they offer this product including making it increadibly difficult to actually get the rate. ( Liking to a checking, which they dont make clear when opening the account, or other ridiculous hurdles ) The rate they are giving me is only 2.96 % and after 3 calls and 1 branch visit and 2 hours of trying to remedy, they say my offer doesnt exist. 

I still have the email as proof.
Product: Debt collection

Credit reports states debt from collection agency. Never received notice nor verification of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a following problem I contacted equifax in XXXX to put a freeze on my credit report on XX/XX/XXXX I contacted equifax to remove the freeze they told me to send a fax which I did and I received a letter saying that they can not find my file I called equifax and spoke to several agents who said they can not help but they can see my credit file and they said I have to send in a fax I explained that I already sent it on XX/XX/XXXX they said we dont see a record of the fax I explained to them that I received a letter saying that they received a fax and can not locate my file but the agents told me that they dont have any record that such a letter was sent but I have the letter I am trying to get help from equifax to please locate my file help me remove the freeze and help me log into my account I have an email that I received that I did send a fax transmission for fax tag XXXX destination XXXX and that it was delivered but I
Product: Debt collection

My complaint is because i trying to fixed or take off from my credit report one collection mark.Because i keep doing the payments each month.just i want like them remove the collector mark from my credit report.thanks..
Product: Debt collection

The debt collector ( XXXX XXXX XXXX XXXX XXXX ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.
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. is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report 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 items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

On ( XX/XX/2015 / {$330.00} ), USAA SAVINGS BANK added a derogatory mark on my credit report per XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mined. According to the FCRA, USAA SAVINGS BANK has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately. In addition, the CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on My credit file where credit was asked for, granted, or denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against Barclays Bank Delaware for their failure to respond to my dispute within 30 days of receiving my letter, which is required by law. This issue arose when I discovered discrepancies and incorrect information on my credit report, and I promptly disputed these items on XX/XX/2023. 

In my dispute, I provided clear evidence and explanations as to why the reported information was inaccurate and incomplete. Despite my efforts, Barclays Bank Delaware failed to respond within the required time frame, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Due to Barclays Bank Delawares inaction, my credit score has been negatively impacted and I have experienced significant financial harm. I have been unable to obtain credit, loans, and other financial services due to the inaccurate and incomplete information on my credit report. This has caused me considerable stress and has disrupted my life significantly.
Product: Credit reporting or other personal consumer reports

Experian is avoiding my dispute letter to request a proper investigation into my credit report. I have sent dispute letters via mail requesting all negative accounts to be thoroughly investigated, but Experian sent emails stating my request does not appear to be sent directly from me.
Product: Credit reporting or other personal consumer reports

I alredy did some dispute to Transunion trying to fix the error buy they are continuing reporting that error and never send me any proof of the account investigation, the account is XXXX XXXX XXXX XXXX account number XXXX and they report me a late payment on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a lease agreement with XXXX by way of XXXX on XX/XX/XXXX, of which I fell into default on, and my vehicle was repossessed. This made me an eligible consumer of the XXXX class action lawsuit in XXXX of XXXX. I received a restitution settlement for {$260.00} XX/XX/XXXX via XXXX, however, the vehicle is still showing twice on my credit report ; once as a charge off of {$8800.00} and another time through a XXXX party collections agency that XXXX sold the account to called NCB Management. The charge off for XXXX is not set to be removed until XX/XX/XXXX and the account with NCB management, of which I did not sign a contract with, will remain until XX/XX/XXXX. I received restitution from the lawsuit and have disputed this with both XXXX and NCB Management numerous times and it's gone unchanged. These negative items have caused me to be declined for pre-qualification for a home loan and also a loan with my credit union.
Product: Mortgage

We closed on a house on XX/XX/XXXX, but title agent said we still can file complaint. 
Initially we licked our rate at 4.6 %. Then I asked about lender credit to cover pmi and some closing costs. We increased interest rate to 5.25-5.5 %. And this would have covered upfront pmi and all closing costs and prepaid items. So, the only item we were responsible for is our down payment ( {$11000.00} ). 
We paid {$4000.00} as an earnest money, so remaining cash to close amount was {$7500.00}. 
3 days prior to closing lender released CD where cash to close amount due was almost {$11000.00}. When we tried to clarify this, lender said this is not final amount and it will be corrected. Couple days later we received another CD reflecting little bit more than {$17000.00} as cash to close and our rate was increased to 5.75 % without our knowledge and consent. That triggered our payment increase by almost {$100.00}. 
Than a day before we received another CD, with increased rate and little bit more {$12000.00} cash to close amount, I tried to connect with Consultant, supervisor and manager regarding this. The only answer I got is that pmi all of the sudden increased. No one disclosed pmi amout to us. 
We submitted documents 3 weeks before closing and lender waited until the last moment to disclose this info. I still dont know what is increased pmi amount is. It was never disclosed to us. 
We spent all day at closing table and did not know what is the final cash to close is. 
When final CD appeared we noticed that lender increased rate even more without our consent and agreement and final cash to close was {$5000.00} more than discussed. 
This triggered ur to liquidate our savings. 
I had expressed my concerns to title company and said that current CD is not accurate and was told that we should sign and I still will be able to file complaint. I strongly believe that rate can not be increased without customers consent. Additionally, full disclosure should be provided in advance. Please help to resolve this problem.
Product: Credit reporting or other personal consumer reports

I paid for a subscription on Experian.com that should have given me access to all XXXX credit reporting agency ( Experian, XXXX, and XXXX ) credit reports and my reports and scores have not been updated in years. I also could not obtain an updated credit report on XXXX XXXX XXXX. There has been several instances of fraud committed by XXXX, Experian, and XXXX without me being able to access a credit report that is XXXX XXXX accurate across all XXXX credit reporting agencies. There are many inaccuracies that need to be deleted. I should only have XXXX name on my credit report : XXXX XXXX XXXX XXXX. I should only have XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update this account to Paid As Agreed Never Late. The Collection accounts XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are fraudulent and should be deleted. The accounts XXXX XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX should have a XXXX XXXX utilization and no late payments in the payment history. Update these accounts to Paid as Agreed Never Late. The account XXXX has never been late and should be updated to Paid As Agreed Never Late. My credit report should be XXXX XXXX accurate. Please allow access to the paid subscription with all XXXX credit reports with an updated credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several identity documents were stolen. After the theft several accounts were opened in my name. I have had to dispute these accounts in the past. Now there is only one account left. The collection account from debt collector " XXXX XXXX '' is being reported on my credit report. This collection account is for an original creditor. The original creditor is an apartment complex called " XXXX XXXX ''. This apartment is the address that all the fraudulent accounts were opened at and credit and debit cards sent to. I never lived at this apartment complex nor have I ever agreed to any lease with this apartment complex. Every single bank has done their own investigation and found that I did not open the accounts nor did I live at the XXXX XXXX address. I have filed a police report and an FTC Identity theft report. I submitted this information in a dispute directly to XXXX XXXX 60 days ago yet they still are reporting this negative account on my credit. This is the only negative item on my otherwise perfect credit report. 

I have attached the following documents to this dispute : A copy of the police report A copy of the FTC identity theft affidavit A screen shot of the " XXXX XXXX '' webpage showing the address which is the fraudulent address where credit cards where sent to and where a lease was executed in my name without my knowledge or consent. 
A copy of the XXXX credit card application that was opened in my name, showing the XXXX XXXX address A copy of the letter from XXXX showing the results of their investigation removing me from the account and deleting it from my credit report.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.