23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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

On XX/XX/XXXX, I called American Express regarding a hard inquiry that I did not aware of on my XXXX credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.
Product: Credit reporting or other personal consumer reports

It has been 101 days after my initial dispute submitted on XX/XX/year>, and the credit bureaus still haven't taken any action. I have a legal right to dispute inaccurate items on my credit report, and by law, the bureaus are required to comply and address these errors. Their inaction not only goes against the Fair Credit Reporting Act, but it also continues to negatively impact my financial well-being. I have repeatedly sent documentation, and yet Im seeing no compliance or correction on their part. This delay and disregard are unacceptable and a clear failure to fulfill their responsibilities. 

XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last activity date. UPDATE TO NEVER LATE. 

XXXX - XXXX - Unverified Account, incorrect high balance, incorrect last reported date. UPDATE TO NEVER LATE. 

XXXX - XXXX - Unverified account, incorrect account type, incorrect high balance, incorrect account rating, incorrect limit, incorrect payment history. PLEASE DELETE. 

XXXX XXXX - XXXX - Unverified account, incorrect high balance, incorrect last activity date, incorrect last reported date. PLEASE DELETE. 

XXXX - XXXX - Unverified account, incorrect high balance, incorrect account rating, incorrect payment history, incorrect date of last activity, incorrect last reported date, incorrect date of last payment. PLEASE DELETE. 

XXXX - XXXX - Unverified account, incorrect high balance, incorrect account rating, incorrect limit, incorrect date of last activity, incorrect payment history. PLEASE DELETE. 

I am attaching all the letters that have been sent to them, which included my identification each time. I am also uploading proof of my identity for the sake of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX not reporting any payment or relevant history for my XXXX XXXX XXXX XXXX Credit Card. This is an ongoing problem and has been happening for at least 6 months despite my repeated requests to have my Credit File updated with the correct information. The Creditor XXXX XXXX XXXX XXXX has asserted that they are reporting the information correctly every month to Experian XXXX  and that this issue is the fault of Experian XXXX 

Experian XXXX is the only XXXX  that is not reporting my XXXX XXXX XXXX XXXX payment information and credit history. All of the other XXXX are reporting the information correctly as required by Federal Statute. 

Experian XXXX is violating my FCRA rights and continues to do so every month to the detriment of my economic life and opportunities. I have attached a photo of my Experian CRA report # XXXX on XX/XX/XXXX which proves that ExperiaXXXX XXXX has done nothing to correct this problem since at least XX/XX/XXXX. 

In reality, this problem extends back months previously to XX/XX/XXXX, and there are many positive Tradelines that are not reporting any history according to Experian. I believe that Experian is deliberately suppressing my positive credit history, while simultaneously correctly reporting my negative history.
Product: Credit reporting or other personal consumer reports

Letter to Credit Bureau XXXX XXXX XXXX Credit Report File Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX NAME OF CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX : Complaint XXXX RE : Credit Report Dispute ( XXXX ) Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. 

I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. 

I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. 


Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.
Product: Student loan

Was trying to make payments but they wanted more and I could n't afford it. So they suggested I put it in forbearance. I did n't want to do that so I was paying a little bit each month just to keep it on good standings on my credit. Go to look at my statements and none of my payments or anything have been applied to my account so where is my money. Get a email and they want to raise my payments even more. Your ca n't even tell me where my money has been posting if at all for the last 8 months. I took my bank card off my account so they ca n't take anything else out automatically until I figure out what 's going on with my account. I still do n't understand how I took out a XXXX loan back in XXXX being a single mom and everything and it has somehow gone to XXXX loans. I got XXXX paid off but XXXX more high ones. More than XXXX. This company and XXXX XXXX were robbing people. And refusing to work with them. People ca n't afford XXXX a month and you guys wanted to raise my payments I ca n't afford that but was willing to pay something and was paying it and it has n't even showneed up on my account
Product: Credit reporting or other personal consumer reports

There have been multiple disputes as well as request letters mailed. The most recent dispute date XX/XX/XXXX, letters mailed XX/XX/XXXX and XX/XX/XXXX. A copy of the letter is below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for 1099 Form To Whom It May Concern, I hope this message finds you well. I am writing to request a copy of my 1099 form for the tax year XXXX. I believe I should have received this form, but I have not yet received it.

For your reference, my details are as follows : Name : SSN ACCT # Please send the requested 1099 form to the address listed above or to my email address at [ Your Email Address ]. If you need any further information to process this request, feel free to reach out to me at the phone number listed above. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.
Product: Credit reporting or other personal consumer reports

Fair Collections & Outstanding is not licensed to collect in the state of north Carolina as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or association shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in XXXX  Chapter 58/Article 70 ( PDF ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Product: Mortgage

The case is centered on the bank refusal to honore our TILA rescission. For over five years we 've been fighting them in their attempts to take our home. 
We initially purchased our homestead property on XXXX XXXX, XXXX from XXXX XXXX with a XXXX mortgage and a XXXX mortgage. We subsequently consolidated the XXXX loans on XXXX XXXX, XXXX and took a new mortgage with a different " lender '' called XXXX. On XXXX XXXX, XXXX, Florida XXXX XXXX XXXX XXXX terminated XXXX XXXX XXXX ( " XXXX '' ) mortgage lending license due to questionable lending activities ( Exhibit-XXXX ). On XXXX XXXX, XXXX, after discovering irregularities in our mortgage loan we rescinded our loan by notifying XXXX and BankUnited XXXX via certified mails with return receipt requested ( Exhibit-XXXX ). Neither XXXX nor BankUnited XXXX/BankUnited N.A. responded to the letter of rescission. 
On XXXX XXXX, XXXX, based on our rescission, we filed our quiet title action in XXXX XXXX, Florida. A default final judgment was entered on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, BankUnited N.A. a newly formed bank, filed a foreclosure action against me and my wife in the Circuit Court of XXXX XXXX, Florida. 
On XXXX XXXX, XXXX, BankUnited N.A, filed a motion to vacate the default final judgment of quiet title and the state court vacated the judgment. On XXXX XXXX, XXXX, the FDIC, in its capacity as receiver for BankUnited XXXX removed the case to XXXX XXXX Court for the XXXX XXXX XXXX Florida. On XXXX XXXX, XXXX, the federal court erroneously dismissed our claim of rescission. The court granted summary judgment in favor of BankUnited N.A. The XXXX XXXX XXXX XXXX XXXX affirmed the lower court decision ( Exhibit-XXXX ). With the money judgment BankUnited N.A. obtained a foreclosure judgment and scheduled the sale of our property. We are currently appealing that decision. BankUnited N.A with the help of the law firm of XXXX XXXX XXXX and XXXX XXXX XXXX. have consistently ignored our rescission and caused us to defend an illegal foreclosure for years. The Supreme Court decision in XXXX, No. XXXX ( U.S. XXXX XXXX, XXXX ) confirmed that we properly rescinded our loan. The bank and its lawyers continue to harass and threaten us with the foreclosure of our home. We seek the help of the agency to resolve this matter once and for all.
Product: Credit card or prepaid card

Started having the Chase XXXX card since XX/XX/2017. Enjoyed the benefits but hated the service ( disorganized customer service and put under periodic review twice in 3 months ). 
I applied for another credit card ( Chase XXXX ) the end of XX/XX/XXXX, and received the card a week later. However, before I even started using the new card, Chase closed all my account without contacting me via email/phone. I have done no suspicious activity or spending, paid every bill full amount and on time. 
My problem with Chase was : why gave me another credit card when this would lead to the closing of all cards? My credit score was harmed and, more importantly, the closing of account is causing great inconvenience to my life.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are allowing the listed companies to report fraudulent information on my Consumer report, I've contacted the Debt holders and ask to Validate the account information The companies continue to send me a bill Not verifying the account belonging to me. Per the FCRA section 609, 611 and the 605 this debt must be verified and if not validated it must be removed. I also Filed an Identity theft report with the Federal Trade Commission on XX/XX/XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$340.00} XXXX XXXX XXXX ending in account number XXXX opened XX/XX/XXXX XXXX {$7600.00} Addresses attached to me, they should be removed XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a balance with XXXX ( account number XXXX ) On XX/XX/XXXX, they updated all three of my bureaus to reflect a XXXX  balance ( copy attached ). 

On XX/XX/XXXX, however, they have added a balance of {$280.00} to this account. ( example also provided ) This is a clear violation of my rights under the Fair Credit Reporting act. Reporting a balance that they know to be not true. I believe it is a willful violation and subject to the punitive damages allowed in a lawsuit.
Product: Debt collection

I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report, an act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 u.s.c 1681section 602 A. States i have the right to privacy.

15 u.s.c. 1681 section 604 a section 2 It also stays a consumer reporting agency. Can not furnish an account without my written instructions. 

I didnt give them written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light 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 tracking these transactions was unfeasible. The CFPBs finding indicated that Zelle has not only neglected to product consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following item is too old to be on my credit file : XXXX XXXX XXXX ( Account # XXXX )
Product: Debt collection

On Friday, XX/XX/2020, I received email and text messages from Conn 's of an ACH that was declined. I always make monthly payments at Conn 's and have not authorized ACH. In fact, Conn 's deceived me that once I paid off one account in full early XX/XX/2020, I could add two items to one existing account. However, once paid off in full, Conn 's gave me serious runaround about adding two a/c and heating window units. They requested additional proof of income and I complied. Next, they wanted more proof of income and I provided. The runaround was never ending. I eventually obtained the two said items elsewhere for much less and what I actually needed. Now, Conn 's is hitting me for some ACH. I phoned Conn 's three times today at different phone numbers of customer care, collections and back to customer care. Long holding periods and one time I was transferred again to hold for a long period. The first phone number rang but followed by busy signal. That is why I began contacting other numbers.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the fair credit reporting DEBT RECOVERY # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information
Product: Debt collection

Company is rude, condescending and aggressive. They refuse to work with me, pretend they never heard of me. The state of Arizona has sued them several time over their practices and tried pulling their license. What this firm does is take on accounts, trump up the bill and lie about facts. This company wont provide any information, a contract, list of charges or proof of damages. They claim they have a judgment for the amount of XXXX but public record states otherwise. Then they tried claiming interest, breach of contract, etc. but none of that is in the contract. 

Furthermore, they refuse to validate the debt and placed multiple collections accounts to make it harder to contest with credit bureaus. 

They also say talk to the original owner of the debt, but they dont exist anymore, nor does it change the fact they currently own it. 

They refuse to follow credit collection laws and rules.
Product: Checking or savings account

I sent my deposit slip and money into the building through the drive through. The teller then said Are you paying your rent? I have never been asked this private question before and felt very violated as our conversation was being broadcasted through the loud and echoing drive through. Minutes later the teller come back stating my deposit was short {$10.00} even after I had just counted it. I sent in another {$10.00} and her response was, You dont have to be so rude! I explained that she had made this conversation hostile from the beginning by asking inappropriate questions and that my deposit was all there when I originally sent it in and asked to speak to the manager. She brought XXXX up and he asked if I was accusing his teller of stealing, refused to Cooperate in a civil manner to rectify the situation and gave me the XXXX hour banking XXXX number to file a complaint. He refused to give me the tellers name and acted as if I was bothering him for bringing these issues to his attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

University XXXX XXXX inquiry fir XXXX  program turned into a bill that I have zero knowledge of. I never signed any paperwork but they state I owe them {$370.00} and they keep selling it to all the credit agencies and they keep reporting. Ive called and University XXXX XXXX has transferred me to 4 departments and no help. This is fraud and I owe them nothing for a XXXX   Program
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ... ... ... .has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

It was brought to my attention that Bank of America reported me as having delinquent payments in XXXX. My Bank of America credit card was consolidated under XXXX XXXX  from XXXX to XXXX but then Bank of America reported my name as making late payments in XXXX. 
It was part of the agreement between them and the consolidation company that they were not supposed to report late payments. I was making payments on time with the consolidation company.
Product: Checking or savings account

I Open a Checking account with TD Bank XX/XX/2018 and TD Bank Frozen my account XX/XX/2018 and I got a direct Deposit form Social Security and when I spoke with TD Bank they told me I have to step in to a branch to unfreeze my account and I can't withdraw funds for the account and don't have Access to use it
Product: Debt collection

On XX/XX/2023, I requested verification of my loan agreement. This information was not provided for me. I have not received copies of my original loan agreement. I am asking for this account to be deleted until information is verified. This collection reports an address of XXXX XXXX XXXX XXXX XXXX. I have never lived there and it is not my current address. I asking for this address deleted from all XXXX bureaus.
Product: Credit reporting

There are numerous credit inquiries that are showing up on my credit report that were previously off of my credit. The representative told me that she did n't believe I was apart of the clitch that happened with their systems. I tried to explain to the representative that these inquiries were off and have been placed on my credit report and in some cases I am seeing the same creditor on their twice. These inquiries are really hurting my credit score and I am in desperate need of a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2021 about inaccurate and unauthorized items on my report. Over a month has passed and I have not been sent any paperwork about the reporting. Please reach out to them and have them respond with factual information other than just saying verified without providing proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misinformation on report accounts that dont belong. Old address that I requested to be removed which is still on my report they removed them on XX/XX/2022 score when up XXXX pts score increase to XXXX and reinstated them on XX/XX/2022 and my score decreased by XXXX points score dropped to XXXX
Product: Mortgage

I don't consent to yearly hard credit pulls as it hurts my credit. Most mortgage lenders only do soft pulls or reviews. By KeyBank doing yearly hard pulls, they are destroying my credit score which is counter intuitive to their purposes, unnecessary for them, and damaging my financial status. I just had a hard credit pull by KeyBank and I want it removed and any future ones without a good reason, to be soft pulls.
Product: Credit reporting

A public collection from Midland Funding has been entered on my report, the account was never validated to be mine, however, a judgment was granted due to me not receiving notification. My pay checks were garnished for a debt that was stated to be from 2005. It had not been on my credit report prior to the garnishment.