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

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX Account XXXX 1.Validate Account XXXX XXXX XXXX  Account Number : XXXX : 2.Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX 3.Validate Account XXXX Account XXXX 5.Validate Account XXXX  Account XXXX 6. Validate Account XXXX XXXXXXXX Account Number:XXXX  7.Validate Account XXXX Account NumberXXXX 8.Validate Account XXXX Account Number : XXXX 8.Validate Account XXXX  Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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  XX/XX/XXXX XXXX XX/XX/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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 unfeasible. The CFPBs findings indicated that Zelle neglected to protect consumers but has also allowed repeat offenders exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

From XXXX up to XXXX my account has been coming up in over draft, funds not being returned and bank saying it was. Not showing transition that has took place also not stopping companys from taking money that is not there
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, lost my wallet in XXXX of XXXX. I was under the impression that one of my children had mistakenly thrown it away, as it was sitting near empty shopping bags. The wallet was filled with my personal information ID 's, Social Security card, debit cards and checkbook, I replaced all the items in the wallet with no issues and it wasn't until when I recently checked my credit, that I learned that several accounts have been opened in my name without my permission. I have contacted the credit bureaus for assistance, and I was instructed to make a FTC Fraud Victims affidavit and report so that they can fully investigate and remove these accounts from my credit report. 
Below are the fraudulent accounts showing on my credit report - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$650.00} - XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$1100.00} - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX  XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX XXXX opened XX/XX/XXXX for {$4100.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$700.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$510.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report.
Product: Student loan

SUMMARY : ORIGINAL FEDERAL STUDENT LOAN PRINCIPLE {$14000.00} UNPAID FEDERAL STUDENT LOAN AMOUNTS {$10000.00} ORIGINAL PRIVATE STUDENT LOAN PRINCIPLE {$24000.00} UNPAID PRIVATE STUDENT LOAN AMOUNTS {$57000.00} TOTAL COMBINED FEDERAXXXX & PRIVATE PAYMENTS ( Please see attached document ) {$34000.00} Important to note : NAVIENT SET-UP PAYMENT ARRANGEMENTS FOR A DAY AFTER THE PAYMENT DUE DATE AND THEN CHARGED LATE FEES FOR A TIME BEING. 

Federal Student Loans # 1 Original principle {$2600.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2200.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX Federal receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$3800.00} Unpaid interest {$3.00} Interest rate 2.32 % # XXXX Original principle {$4000.00} Disbursement date XX/XX/XXXX School The XXXX XXXX XXXX XXXX XXXX XXXX receivership in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$2400.00} Unpaid interest {$2.00} Interest rate 2.32 % # XXXX Original principle {$2600.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX in XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX XXXX XXXX {$1500.00} Unpaid interest {$1.00} Interest rate 2.32 % # XXXX Original principle {$870.00} Disbursement date XX/XX/XXXX School The XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid XXXX {$370.00} XXXX XXXX {$.00} Interest rate 2.32 % ___________________________________________________ Private Student Loans # XXXX Original principle {$11000.00} Disbursement date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient XXXX XXXX XXXX Unpaid principle {$29000.00} XXXX XXXX {$120.00} Interest rate 10.50 % # 2 Original principle {$13000.00} Disbursement date XX/XX/XXXX XXXX XXXXe XXXX XXXX of XXXX ** XXXX XXXX XXXX XX/XX/XXXX Current Owner Navient Private Loan Trust Unpaid principle {$27000.00} XXXX XXXX {$100.00} Interest rate 9.50 %
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to both the loan company and the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/year>23 XXXXXX/XX/XXXXXX/XX/year>23 XXXXXX/XX/XXXX XX/XX/scrub>/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Met with  XXXX  "  XXXX  ''  XXXX  personal banker a t Wells Fargo   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl. Phone #  XXXX . Went to the bank to get a  XXXX  stamp to make an assignment of a loan to a mutual fund. I was told that I could not get the stamp because the owner of the assignment was not a bank client. I was told th at Wells Fargo could not stamp the document because the person is not known to the bank. This transaction was the purchase of a car, Wells Fargo do es advertise this service to the public and does not state that it is only for bank clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a lot of inquiries on my credit I have not approved
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XX/XX/XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XX/XX/XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XX/XX/XXXXas well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to graduate school in XX/XX/XXXX, and it was only after I graduated in XX/XX/XXXXthat they approached me about the default status in XXXX XX/XX/XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with XXXX  and XXXX  multiple times, but they refuse to update the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XX/XX/2020
Product: Student loan

Attended XXXX in XXXX PA in XXXX. A XXXX XXXX during my time there. Before signing up I was told they would make a resume for me and get me a job lined up after graduation. None of that was true. Graduated and never heard from them again. They lied multiple times about employers looking for graduates of XXXX  and how much money we'd be making right out of school. Fast forward multiple years, XXXX XXXX gets in trouble for predatory loans and embellished employment numbers. The Feds have relieved my federal loans but the private loans are still there. These should be canceled as well, its the same school and same predatory loans. My servicer, XXXX/mohela now has done nothing to help me get this situated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation : Formal Dispute of Debt and Request for Verification To Whom It May Concern, I am writing to formally dispute the debt you claim I owe, referenced as Account Number : [ XXXX ]. I believe this debt is invalid and request full validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Furthermore, under the XXXX XXXX ( XXXX XXXX. XXXX ), I am exercising my right to privacy regarding my financial information. This statute mandates financial institutions and their affiliates to clearly disclose how they share consumer information and to provide consumers the option to opt out. If your organization has obtained or shared my personal information without providing me with such disclosures or an opportunity to opt out, you may be in violation of federal law.

To resolve this matter, I request that you provide the following : 1. **Verification of Debt** : Proof that the alleged debt is valid and owed by me, including : - A copy of the original contract or agreement bearing my wet signature. 
- A complete accounting of the debt, including the original creditor, principal, interest, fees, and payment history. 

XXXX. **Compliance with XXXX** : Evidence that my personal information was handled in compliance with 15 U.S.C. 6802, including : - Disclosure of how my information was obtained. 
- Evidence of your adherence to privacy and opt-out requirements. 

Until these requests are fulfilled and the debt is validated, I demand that you cease all collection activities, including reporting this debt to credit reporting agencies, as required under the FDCPA. Reporting invalid or unverifiable debts to credit bureaus violates my rights and could result in legal action. 

Please consider this letter a formal notice under 15 U.S.C. 1692c ( c ) to cease all communication with me except to confirm receipt of this dispute or provide the requested documentation.

Failure to comply with these requests may result in a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney general 's office. I also reserve the right to pursue legal action for violations of federal and state law. 

I expect a written response and the requested documentation within 30 days of receipt of this letter. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I took an Auto loan out with XXXX XXXX XXXX in XXXX I am behind on payments and asked several times to have an arrangement which they declined I was checking my credit score today and noticed a Hard Inquiry to my report from them on XX/XX/XXXX WITHOUT MY PERMISSION!
Product: Credit reporting or other personal consumer reports

Accounts not mines. Need them removed. These items have caused severe hard to my reputation, my character, my mode of living and to my family! I need the following accounts deleted. 

XXXX XXXX account number : XXXX account total : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  account balance : {$1600.00}
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) by continuing to contact me after receiving my cease and desist request. 
I sent XXXX XXXX XXXX a written cease and desist letter via certified mail with return receipt, instructing them to stop all phone communications with me regarding an alleged debt. 
Despite receiving my request, they continue to call me. 
I have documented these repeated calls and believe XXXX XXXX XXXX is engaging in harassing and unlawful debt collection practices.
Product: Debt collection

Unauthorized accounts found on my reportrequest prompt action to block and remove these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account on my credit report that has 3 duplicates in 2 bureaus and 4 duplicates in third. The name of account is XXXX XXXX XXXX. It has the same account number but different amounts and dates. I'm trying to solve this problem over 3 months and all I get in response is that information verified and accurate. Bureaus updating dates and status on the accounts, But I know my rights and understand that this is VIOLATION of FCRA. Please help me fix this problem. My credit score is hurting by this tremendously. I'm attaching copy of my ID, bureau response and the way accounts appear on my report. Thank you
Product: Debt collection

a bank called Suntrust began showing up on my credit report in XXXX as unpaid payments. I've never heard of them nor have any agreement with them. the loan they're trying to collect on is from XX/XX/2008!!! my credit score has dropped over XXXX points in just 3 months and I was on my way to have a XXXX credit score by XXXX. I'm trying to buy a home and not be XXXX homeless during a pandemic. 

I've filed several disputes with XXXX  but nothing came of it. I need these negative hits to my credit to stop IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I transfer {$500.00} with Remitly on XX/XX/20, was advise my money will be in XXXX the next day. The money was never deposit and I was given the run around for over a week. Then I was told i was able to cancel the transfer, which I did on XX/XX/20, and was advised the money will be deposit to my XXXX  XXXX XXXX in two days. Today is XX/XX/20, and still don't have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : no : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/26 mailed a letter to transunion for incorrect information
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. Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # 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.