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

I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my XXXX XXXX and affecting my financial stability. 

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found information that is inaccurate, and I believe it is in breach of 15 USC 16c-2. This error is damaging my credit, and I did not authorize the listed inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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 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 XX/XX/XXXX
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. 

XX/XX/XXXXXXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXXEquifax Information Services LLC XXXXDate of inquiry : XXXXEquifax Information Services LLC XXXX Date of inquiry : XXXXEquifax Information Services LLC XXXX Date of inquiry : XXXXEquifax Information Services LLC XXXXDate of inquiry : XXXXEquifax Information Services LLC XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center , has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Over the years I was steered toward taking multiple forbearances while struggling as a young professional. I was encouraged by XXXX XXXX and navient on multiple occasions over the years of XXXX to XXXX to take forbearance on my loan since I had a very high cost of living in XXXX XXXX. Over that period I feel like I was recommended that course of action every year when I would call to tell them I was poor and struggling. They managed to get several thousand more dollars out of me and I will be paying my loans until I am XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$2600.00},
Product: Credit reporting or other personal consumer reports

My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 

# XXXX. XXXXXXXX XXXX XXXX 
Original creditor : XXXX XXXXXXXX XXXX. 
Amount : {$440.00} # XXXX. XXXXXXXX XXXX XXXX 
Original creditor : XXXX XXXX 
Amount : {$340.00} # XXXX. XXXX XXXX XXXX. XXXX XXXX is Payoff. 

# XXXX. XXXX, XXXX. 
Amount : {$310.00} # XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$5900.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My medical bill got sent to PASI without notice. I never received bill from the hospital as it was going to an old email address. I received first collection notice earlier this month from PASI. A couple of days ago I submitted a payment and set up a payment plan. However, I received a letter from PASI stating that they knew where I worked. Well today I received a call from them at work and I am not allowed to take personal phone calls during work hours. I explained to XXXX XXXX PASI collector ) that she did not need to be calling my employer and that I had already submitted a payment and set up a payment plan. She ignored that and asked that I call them to set up the payment agreement. I explained to her that I had a confirmation email about the payment plan and she still ignored the fact and asked that I call them to set it up according to her no payment plan was set up on her end and was harassing me to call them to get it set up.
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 that tracking these transactions was unfeasible. The CFPBs finding 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I requested debt validation with this company in my letter to them Dated XXXX XXXX, 2017. I have not received anything from them ever since. I am a victim of ID theft and this account was fraudulently opened by my ex-wife by forging my signature and using my personal information. I did not benefit in any way from this account. I already filed a police report and had a notarized FTC affidavit sent to this company today. Please see attached documents.
Product: Credit card or prepaid card

I bought a prepaid credit card at XXXX owned by Blackhawk Network Email : XXXX Fax : ( XXXX ) XXXX Phone : XXXX before i even tried ot use it i had a fradulent charge for the entire {$400.00} I callled them IMMEDIATELY - they still have not given me my money back or reolved the issue I was on vacation & counted on that money to use on this trip now I am very very tight on money. This needs to be resolved today. I am out of pocket due to the fact the company was careless in thier security measures. Please help me resolve Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX
Product: Credit reporting

XXXX is arbitrarily declining my checks at XXXX XXXX XXXX. This is the XXXX occurrence since XXXX XX/XX/XXXX They declined a check submitted on XXXX/XXXX/XX/XX/XXXX and ironically sent a letter demanding I send them a check for {$170.00} the XXXX of XXXX. We were on vacation and actually received it on XXXX. After calling them to clarify, I was threatened with XXXX denying all my checks to all of their customers until I submit another check. The same problem was experienced in XXXX and after XXXX hours with a supervisor I was advised their problem had been corrected and I would have no further problems with them as they had no negative transaction with our check cashing or funds. I spoke with Svc. Rep. XXXX and Supv. XXXX today, both were rude and insistent upon me clearing up the problem. They admitted the problem was either with the machine or the clerk 's input of the check but declared they had no responsibility for that. At no time have I had insufficient funds and my bank would not decline a {$170.00} check if I did. Manager, XXXX, at XXXX XXXX advises us that the check has been paid. I do not like threats, especially unwarranted ones and I do not like my credit and reputation besmirched by a business that has no concern for consumers. XXXX was fined millions of dollars in XXXX XX/XX/XXXX for unfair consumer business practices. This has the smell of a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been identified as a potential victim of the Equifax security breach. My personal information such as social security number, addresses, drivers license information, and more personal identifying information has possibly been breached. 

I was notified of this possible breach through news media on XX/XX/XXXX, and never through Equifax. I opted to look up my information on their website ( https : //www.equifaxsecurity2017.com/ )  designed for inquries. They indicated I may have had any information they had on file for me compromised. They did not say which pieces of information, but that I may come back to the site on XX/XX/XXXX to take further action, which includes credit monitoring by their company- which has been proven to be ineffective from a security standpoint.
Product: Mortgage

Please see attached letter. The mortgage accepted a modification not once but three times to adjust my loan. In all three instances the company set up the plan and then denied and returned my payments. The first time this happened they told me there was nothing I could do and I had to lose my home I then called HMA they forced Pacific Union to admit they were in breach and to allow me to enter the agreement again. At that point I thought that I was all set until day again returned all my payments. They are now telling me they are going to take my house once again and they have escalated the process
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information on my credit report account ( # XXXX ), but Experian failed to follow up or correct the errors. 

Experians actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against Experian, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

Experians negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Credit reporting

I 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXX, amount : {$160.00}, DateXX/XX/XXXX XXXX XXXX XXXX, amount : {$970.00}, Date : XX/XX/2023 In accordance with the Fair Credit Reporting Act, XXXX 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 permission.

Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Product: Debt collection

I am being sued by Discover Bank for {$8400.00}, most of which I believe is interest and fees. I contracted with a debt consolidation company, XXXX XXXX a year ago, and they were supposed to at least contact my creditors and try to negotiate a settlement. Discover contacted me I explained that I was consolidating my debts with XXXX XXXX and gave them their information -- as I had been instructed by XXXX. I contacted XXXXand told them about the calls. Turns out they had not contacted Discover nor negotiated a settlement in the year since I went with XXXX. 
When I received the summons, I contacted XXXX, informed them of the summons and sent the information. Since I had a contract with their law firm ( XXXX XXXX XXXX ), I thought they would reply to the court. I was contacted a week later by XXXX and informed I would need to pay an additonal {$250.00} for them to reply. I thought legal services were included in the debt consolidation agreement. I can't afford it. 

So I have to reply to the summons myself. XXXX contacted me earlier this week, said they had contacted Discover and negotiated a settlement for 85 % of the debt. But I would have to immediately start paying {$700.00} a month instead of the {$340.00} a month I've paid for a year. I can't afford that! I have drafted a reply to the court myself, since it needs to be to the court by XXXX feel that if XXXX  had contacted Discover earlier, Discover might have been more willing to negotiate more. So I've got to go to court and I can't afford an attorney or anyone to represent me.
Product: Mortgage

OnXX/XX/2019 I applied for a VA home loan through Chaos Home loans everything was going good and we where supposed to close XX/XX/2019 that didnt happen and got pushed to the XXXX that didnt happen either we finally signed papers on the XXXX of XX/XX/2019 since then they have not funded the loan they keep coming back and saying there is an issue and they need more documentation I send it to them they tell the title company the funds ha e been sent then say it is held up by the bank. To make a long story short we keep getting lied to here it is XX/XX/2019 and they still have not funded the loan. I have a numourouse amounts of text and emails showing everything I am saying.
Product: Debt collection

I have made several phone calls to XXXX XXXX XXXX XXXX XXXX as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to XXXX alleged debts ( XXXX and XXXX XXXX from Synchrony Bank ). Neither Synchrony Bank nor XXXX XXXX XXXX XXXX XXXX have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, XXXX XXXX XXXX XXXX has not provided me any validation of proof and also not honored the outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that XXXX XXXX keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as XXXX XXXX is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to XXXX XXXX XXXX XXXX as well as XXXX, XXXX, and XXXX representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to XXXX XXXX not being able to properly verify the account that I have sent to both XXXX XXXX and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.
Product: Debt collection

XXXX real estate accounts with Select Portfolio Servicing are reporting on all XXXX of my credit reports. Select Portfolio Servicing has continued to break the law and report inaccurately to the XXXX credit bureaus. They have violated the FCRA over and over again. In particular they have violated FCRA Section 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). They had 30 days to report that I had disputed their the accounts and after numerous letters to them it has only been in the month of XXXX that they added the dispute language. Well after receiving numerous letters from me, asking them to validate the debt. In addition, to the above egregious acts they continue to report the amount wrong, they keep re-aging the foreclosure and charge-off. I have NEVER received foreclosure documents or charge-off documents. Lastly, I was told today that my accounts had be transferred and they have no information that they can provide me with however, they have enough information to keep inaccurately reporting to the credit bureaus. I believe that their actions are egregious toward me and as a direct result should be removed from all XXXX of my credit reports. I have pulled reports without the dispute language and reports with the language. 
I 've reached out to all XXXX credit bureaus only to continuosly responded with scripted information. XXXX ignore my concerns, talk extremely rude to me and have refused to help me. Please help me.
Product: Debt collection

XXXX XXXX says that I owe a Debt to them when I received no services from them or have any idea who they are. We do not have a contract nor do they have a full account number. Only thing they will do it send me statement from another company that has nothing to do with them.
Product: Credit reporting or other personal consumer reports

I am not liable for this depth with XXXX XXXX XXXX. I do not have any account with XXXX XXXX, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with XXXX XXXX. 
Account # XXXX
Product: Mortgage

I am a victim of Wells Fargo Mortgage Modification Lawsuit. I was incorrectly denied Home affordable mortgage modification under the HAMP Federal Assistance Program from XX/XX/XXXX to XX/XX/XXXX. I have Lots of dated information showing communication and proof of my statement. My home was put in foreclosure and I was forced sell XXXX XXXX. 

XX/XX/XXXX, I was given a number to call Wells Fargo by CFPB concerning my complaint. When I called I was told by Wells Fargo, XXXX, that my mortgage unable to qualify and was not included in the CFPB settlement. 

Wells Fargo, its doing the same things they did before the lawsuit, not compliance, lying and denying to solve the issues. 


Complaints : Submitted to Wells Fargo XXXX CFPB XX/XX/XXXX Case number : XXXX Other agencies Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXubject : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : 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 I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report.

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ).

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX I have upload proof of address and my social security card.