23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I settled an account an with XXXX XXXX, and made the payment to XXXX XXXX because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is Plaza Services. Plaza Services is violating my right to have fair and accurate credit information reported. Plaza Services does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. Plaza Services is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to XXXX XXXX. The account was settled and there is a XXXX  balance on the account. Plaza Services refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to XXXX XXXX not Plaza Services.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter on XX/XX/2024, and here is my tracking number XXXX. I received the investigation back but noticed nothing was modified. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items have resulted in fraudulent items appearing on my consumer FICO credit report. Ive attached a list of the fraudulent collections FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned items as reported. The aforementioned items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned items are the result of identity theft, and fraud. I have attached a copy of my police report as proof that all of the aforementioned consumer credit delinquents are the result of identity theft and fraud.
Product: Checking or savings account

I tried to open an account with citizens using a promotion but was told I could not due to information in my credit report with XXXX. No specific reasons were given, neither was a credit score given.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

The second inquiry in question was made by XXXX XXXX   on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

XXXX systems is on my credit report with inaccurate information which that does not belong to me as well as XXXX XXXX XXXX, and comenity bank I do not owe any debt to them, or any other creditor. Im a victim of identity theft and this account is just many of its kind that has resulted to reporting to my credit report inaccurately and fraudulently to cause damage and hardship As of today XX/XX/year> it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling any of my disputes, particularly in the light of the recent CFPB Highlighting significant issues with the platform. Disputing using Zelle numerous of 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 findings indicate that Zelle not only failed to neglect to protect consumers but has also allowed repeat offenders to exploit the system leaving users, vulnerable to scams
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Please be advised that on XXXX XXXX and XXXX, I applied for a Spirit Airlines promotional credit card, online. Unfortunately, I received two declination letters, citing that the declinations were based on information received from XXXX, citing that I have had an account written off as uncollectable. Knowing that my credit score is XXXX, and that I have never had any collection accounts, I contacted XXXX, who confirmed that the basis of Bank Americas decision was not based on any  information supplied or contained by them. And, that I do not have any collections account. Instead, I have 31 accounts in good standing and 0 accounts in negative standing, and 0 collection accounts. What is even more puzzling is that I previously possessed two Bank of America credit cards for several years, without any late payments or issues. That being said, I would like to know the basis of the declination, the actual source of their information, and why XXXX was accused of supplying information, that they did not supply, nor do they possess or have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the XXXX Data Breach and may have got into the hand of the wrong person.
Product: Credit card or prepaid card

I was approved for a credit card from capital one credit cards I never received the card there happened to be charges on the account that I didnt authorize 1 for XXXX $ another for XXXX $ another for XXXX $ another for XXXX $ they honored XXXX $ of which XXXX not sure how they came up with that adjustment but I never made any of these charges and they are refusing to resolve the situation XXXX  the supervisor stated that I made a payment on the account in between these transactions of XXXX $ b4 I put in the dispute at the time of the payment my capital one app was not showing that these transactions were made and the supervisor XXXX if # XXXX was extremely rude and once we discovered that I was a XXXX American women I feel he was being very discriminating against me
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.ACCOUNTS	XXXX  XXXX  XXXX****XXXXinaccurate		XXXX XXXX	****XXXXinaccurate	XXXX  XXXX	****XXXXinaccurate	XXXX****XXXXinaccurate	XXXX-XXXX  	****XXXXinaccurate	XXXX	****XXXXinaccurateXXXX  XXXX 	****XXXX   	inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$750.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX AL ) XXXX Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX CTR XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FRCA ) 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 outcomes where Experian neither corrected or removed disputed items. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's in action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$180.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Number : XXXX {$650.00} XX/XX/XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1000.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX {$650.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Balance : {$6700.00} Status : Collection Account Unpaid Opened : XX/XX/XXXX XXXX  This account appears to have been re-inserted or inaccurately reported on my credit report without any notice of re-insertion as required under FCRA 1681i ( a ) ( 5 ) ( B ). I have not received proper verification of the debt, nor notification within the required 5 business days of re-insertion. This is a violation of both FCRA 1681i and 1681s-2 ( b ). 

2. XXXX Account Number : XXXX Balance : {$0.00} ( Closed account, {$10000.00} limit ) Noted : 2 Late Payments Despite the balance being {$0.00} and the account closed, late payment information continues to be reported without sufficient validation. I requested verification of these late payments, but have received no evidence or investigation response. This violates FCRA 1681s-2 ( b ) and 1681i ( a ). 

3. XXXX XXXX XXXX ( Original Creditor : XXXX AAA ) Account Number : XXXX Balance : {$310.00} Opened : XX/XX/XXXX This is an open account with an unpaid balance, and yet no status is clearly marked. The reporting is incomplete and ambiguous, which misrepresents the true nature of the account and impacts my creditworthiness unfairly. This violates FCRA 1681e ( b ) which mandates maximum possible accuracy in reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX  now
Product: Debt collection

credence resource management sent a letter to me stating I owed THEM money. after sending CRM a validation notice for them to prove i owe this alleged debt on or about XX/XX/2020 certified return receipt requested. by U.S.P.S I was ignored, now they won't stop calling me and my wife 's phone number and my computer phone number. I have saved all the calls from them and asked them repeatedly to stop calling. the harrasment continues on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, I was granted a home loan modification. At the time I had a first and second mortgage. When the modification was completed, the underwriter informed me that my second mortgage of {$140.00}, XXXX was written off. Therefore, it reduced my monthly note. In XXXX of XXXX, I received a 1099-C from Wells Fargo Bank stating Cancellation of Debt. XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX. stating that they represented XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and that they were going to foreclose on my home. To my understanding, the letter referred to my second mortgage. My home was under foreclosure because the lien was not removed from the mortgage debt that you wrote off in XXXX. I have been back an forth in bankruptcy to save my home. Now, my spouse and I have damaged credit. 

My purpose in writing you is to find out why my lien was not stripped and why I was not informed of the repercussions of the write-off. The actions of Wells Fargo Home Mortgage have continuously caused me to be distressed. Currently, my home is still in an active Chapter 13 Bankruptcy to pay off the 2nd mortgage that you wrote- off. I am requesting a full explanation of the actions of Wells Fargo Home Mortgage and a remedy from Wells Fargo.
Product: Debt collection

I received notification from XXXX that there was a collection on my account from XXXX XXXX XXXX XXXX for the Dollar Loan Center in the amount of {$830.00}. I have never had a loan with the Dollar Loan Center.
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX shows {$1300.00} on my credit report when I never had the service, they don't even provide their service in my area. 
2 ) My phone number and job name was wrong on my credit report, which I feel someone else tried to use my information. 
3 ) I have several Inquiries that are not mines and I did not authorize on my report 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 have XXXX accounts from Revco Solutions XXXX XXXX for {$210.00} and the other for {$620.00}, neither one of these accounts are mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 someone got into my " Experian '' account and changed my login information and password. I attempted to gain access to my account XX/XX/22, but am unable to correct the issue. I called Experian to report the issue and the fraudulent access to my report. They said that I need to fax information over to verify my identity in order to regain access. Experian 's system allows someone to gain access to an account set up with Experian if that person 's identity was previously stolen. The information required to change log in information was already stolen by an Experian breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 this issued was removed from my credit by Capitol One the remarks were removed after a dispute was filed with XXXX .After calling to discuss a account that was fraudulently being connected to my SS #. The old remarks were once again attacking my score and causing it to drop XXXX points. I find this very alarming to think that they could falsely attack a persons credit score by using such tactic. The address they have are wrong and don't match with the dates of residents.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX