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

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Debt collection

The account was disputed and the bureaus stated it was verified but I have not received any verification from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has two fraudulent accounts open in my name on my transunion XXXX XXXX XXXX credit card and XXXX credit card, I want these accounts removed from my transunion, j did not open these accounts I am a victim of identity theft, my information was used to open these accounts, both credit cards were open due to fraud, I have filed a ftc identity theft report, I want these account to be deleted and blocked,
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent : 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  The following address is not mine : XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX This is not my name : XXXX, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with Equifax, XXXX  and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
Product: Mortgage

I am going through a difficult divorce and currently residing in the home. There was XXXX XXXX and I have a XXXX XXXX against my spouse. He has completely stopped paying the mortgage for over a year and I was in a covid forbearance prior to roundpoint taking over our loan. I was under the impression that I was still covered. Then I found that they'd not only took me off the program but were piling on pass due fees and I was months behind. Then they told me they'd work on a loan modification. I was told it was done and I could pay it. I was ready to begin doing so. Then they back peddled and said never mind the loan is still being processed for a modification. All the while I am told to wait and not pay anything. My account is locked up so I couldn't even if they said it was all well. They won't fix my account so I can pay it. Then I receive an attorney letter stating that my house is in foreclosure!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and sent in all the proofs of documentation to Equifax and they refused to remove the fraudulent items off my credit report. They are violating the credit law. Please have them resolve this matter immediately to remove the items off my credit report which are inquiries listed below : 1 ) XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

My XXXX XXXX XXXX debt was sold to " IC SYSTEM INC ''. Did not receive written notice of the amount that was owed. I found out when by an XXXX report email that my account was flagged. I disputed because of the Natural Disaster in Texas, the Ice Storm. I had some repairs on my home and tried to seek Fema assistant. The Dispute was open on XXXX the XXXX and close on XXXX. I call XXXX  and the representative stated they my comments was deleted by the collection Agency. I open another disputed the amount verified by the company. Just open this on today. The collection has flagged my credit five times in less than a month. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

Company is attempting to collect on a debt That was last paid in XX/XX/XXXX to another collection company. The date of last activity was more than 7 years and should be reporting. The account Delinquency date reported on Credit File is incorrect its showing XX/XX/XXXX and it should XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 15 U.S.C. 1681 602 ( A ) Right to privacy 15 U.S.C. 1681 604 ( A ) ( 2 ) No written instructions 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) inaccurate information ( pg XXXX ) Acct XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) : receipt proof vehicle was never delinquent in court file. 

Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate info after quarterly attempts to contact XXXX XXXX XXXX XXXX XXXX listed on Transunion Credit Report as follows : XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : Phone number not available Inaccurate info on XXXX & Transunion unable to contact me Acct XXXX XXXX XXXX XXXX XXXX failure to accurately report credit transaction over billed in addition, failure to send all payments made to my account. only one payment sent after requesting to be corrected. 

Acct XXXX XXXX Dept of EducationXXXX XXXX XXXX 15 U.S.C. 1681 602 ( A ) states I have the right to privacy. 15 U.S.C. 1681 604 ( A ) Section ( 2 ) states a consumer report agency can not furnish an account without my written instructions.
15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report containing ant of the following items of information any other adverse item of information, 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently review my credit report, and I noted a fraudulent account, please delete this account due to this will be affect my credit score and the ability to obtain more credit.
Product: Credit reporting

I opened a checking account with XXXX and a debit account was provided and tied to my checking account. I now discovered that XXXX has reported the year of opening the acount as XXXX. The problem I discovered in XXXX which allows me to view and challenge the Equifax as well as XXXX reports is that, while the checking account and debit account was properly closed with XXXX in XXXX prior to our relocation to XXXX in XXXX from XXXX. It contained many errors. 

The information I viewed on Equifax states that this account was a credit card which was false since I never had any credit card in XXXX. XXXX is the first State that I received my first credit card. Equifax also reports that XXXX XXXX XXXX, 4years after we have relocated to XXXX was my 1st delinquency date and reported it as a charged off account. XXXX timely correct all informed that were reporting incorrectly, however, Equifax pretended as if it was investigating the errors in my file while it was a sham investigation. I challenged Equifax on this sham investigation since the telephone number I was initially provided to XXXX by Equifax was already disconnected. After I notified Equifax of this sham investigation, I was informed that another investigation would be conducted, which now produced another confirmation # XXXX written on a correspondence sent on XXXX XXXX, XXXX. This last response again reaffirmed the already erroneous report that XXXX is reporting on the account. The number I was provided to XXXX is XXXX XXXX XXXX XXXX and it is still not in service. I went on XXXX to find a telephone number to SECU and received a mailing address and a copy of the correspondence I sent on XXXX XXXX, XXXX was sent to SECU without any response. 
This was not the only challenge in my file that Equifax is not reporting accurately on and refusing to conduct the required investigation on. I would appreciate your agency intervention on this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

While at basic training for the XXXX XXXX through XXXX, XXXX XXXX XXXX XXXX sent my title to navy federal credit union XXXX XXXX XXXX It was apparently lost in the mail and so XXXX refused to get another title for me. They would only send a application for duplicate title and lean release to navy federal which navy federal would then send to me and have me get another title and return to them. Since I was at basic training while this happened, Navy federal increased my interest rate from 5 % to 15 %. I have conducted hours of phone calls to get those documents sent over to navy federal where XXXX has lost two documents and continuously refused to help me further. Navy federal is refusing to assist me with the extra interest i have been paying, even though none of this is my fault. XXXX has stated they sent the document in XXXX, XXXX, XXXX, and XXXX. However, to my knowledge only XXXX documents have been received. I have been paying hundreds of dollars in interest over 4 months trying to get this sorted out. XXXX is refusing to get a new title themselves and is requiring me to pay the filing fee for the duplicate title application. The biggest issue being I live in washington now with my vehicle but the car is still registered in Hawaii. Therefore, I have to mail all documents to Hawaii DMV in hopes they process everything correctly with navy federal as the new lean holder and get the title back to me. I have been attempting to get this sorted out for 4 months and no one has helped me on either end to get this sorted out.
Product: Credit card or prepaid card

My ex-girlfriend added me as authorized user on her Bank of America credit card, when we broke up I returned the card to her and asked her to remove me as authorized user. Now I am trying to apply for a loan but I can't get the loan because she never removed me as authorized user and the account is in charge-off collection status. I have no clue about her or I don't know where to contact her to request again the removal. I called today Bank of America and I explained them I DON'T WANT TO BE AUTHORIZED USER OF THIS ACCOUN, however they said I can't request that and the primary user of the account should request it but how if I can't get a hold of her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting numerous documents to Experian that a collection account on my credit is not mines everytime I talk to a rep they keep telling me it was reported to a collection agency who got the information from XXXX XXXX I keep saying my account is paid in full and supplying documents but Experian keep updating the record saying it's accurate XXXX XXXX have my status as paying in full also I called XXXX XXXX  and they can not bring up an account for me and they are giving me the run around saying someone will research and get back to me but no one return my calls I paid XXXX XXXX in full last year in XXXX or XXXX but this collection was posted XX/XX/2018 please see attached documents and I demand immediately removal of this account it has damaged my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported to Equifax that the information reported does not belong to me. This includes my birth year, other address, and some accounts. Have also reached out to the companies for validation and the were unable to send me any validations that these accounts belongs to me. Equifax has not updated me or contact me that they have corrected this information. The inquires I contacted the other party and they advised me to reach out to Equifax and the other bureaus to remove and vice versa Equifax and the bureaus said the same thing the other parties stated to contact. Please remove those inquires. Please see the attached documents that was sent to Equifax by fax and mail to correct any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Checking or savings account

On XX/XX/XXXX, I called to request that my checking account be closed. I was told that it would close within 7-10 business days. On XX/XX/XXXX, the account was still open and was charged a {$10.00} " monthly checking fee ''. On XX/XX/XXXX, I started a live chat with an agent who asked that I deposit {$10.00}. I pushed back and said that I shouldn't have been charged the fee since the account should have been closed, and after a few minutes, the agent said they'd reverse the fee. However, the agent said they still could not close the account until the reversal posts. I just want this account closed and I don't understand why they're wasting my time and making this so difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I have received an email regarding a new credit inquiry under my name for a XXXX XXXX XXXX card/service. 

I have immediately contacted XXXX to dispute the inquiry and they directed me to contact Equifax to dispute it. 
I have contacted Equifax and they requested that I send them a letter with information to verify my identity and request to dispute the inquiry. I have mailed the letter and all the information to them on the same day. 

Since I haven't heard back form anyone and it's been almost 3   months I have decided to contact Equifax today and check the status of the dispute. 
They confirmed that they received my letter. 

They told me that they can't do anything about it without XXXX sending them a letter saying that they agree to remove the inquiry. 

I have called XXXX to request that they will do that and they said that the only way for them to help is if Equifax will contact them directly to request this information. 
I called Equifax again and they said that they don't contact anyone, " the only hold information ''. I called XXXX again to let them know that Equifax don't contact anyone and that I need them to contact Equifax or send me something that I can then transfer to Equifax and they said they won't do it and the only way that it works is if Equifax will contact them. 

XXXX agree that they don't have any authorization from me to run this credit inquiry, yet they won't help me fix this fraud. 

I have been trying to speak to 5 different reps and managers at Equifax and 5 different reps at XXXX to try and resolve this, sent letter, verified my information, spent hours on phone call and I am still stuck between this two with no one to help me. 


PLEASE HELP ME! 


Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I run a smalll business and despite using zelle numerous times on numerous occasions a a couple clients requested refunds for services and products after receiving the service. As a result the funds were not released to me and my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXXXXXX ACCT : XXXX, XXXX  XXXX acct XXXX, XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX, XXXX  acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.
Product: Credit reporting or other personal consumer reports

Filed a dispute with Transunion XX/XX/XXXX and it closed on XX/XX/XXXX. This was a RE-INVESTIGATION and should have followed procedures regarding FCRA 611. 

I disputed the balance, the ownership of re-opening of this account, the constant re-aging of the account, the balance update of this account. The documents I have attached are the same ones I submitted to Transunion on XX/XX/XXXX. 

******Request for description and documents of re-investigation procedure in regard to FCRA 611 ( 7 ) **********15 DAY LEAD TIME*********************************** *******************THIS IS TO BE A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION USED TO OBTAIN RESULTS******** 1. How did Transunion verify the reopening of a closed-end loan more than 5 years after I was closed?

2. How did Transunion verify I was the responsible party for the re-opening of this account?

3. How did Transunion justify the re-opening of a closed end account to begin with?

4. How did Transunion verify the balance due on this account with ( a ) no payment amount, ( b ) no APR indicated, or ( c ) number of payments made. There was no payment history provided at all other then paid bi-weekly for 43 months in regards to terms.

5. How did Transunion verify the charge-off status of this account that was added XX/XX/XXXX when this account was closed off in XX/XX/XXXX? 

6. How did Transunion verify the re-aging of this account 's status update and balance update every month when nothing has changed?

7. How did Transunion verify the the re-insertion of this account onto my credit report? Where is the certification of accuracy? 

Please explain the process with documents that where used for each and every item disputed. If Transunion is unable to provide complete and accurate description of the investigative procedure then this account is to be DELETED as per FCRA.

I personally believe that Transunion did no reinvestigation of such and just passed it threw as " Verified as Accurate '' even after Transunion has deleted another one of my accounts with XXXX due to fraud/inaccurate information. 

I have filed this with the CFPB due to fact that if it does not go through the CFPB the procedural guidelines are never followed. 


XXXX*****REMEMBER ALL INFORMATION IS TO BE COMPLETE, ACCURATE, ************************************AND VERIFIABLE*************************************
Product: Debt collection

Prior to the XXXX Pandemic, I was current on all my debt. Due to the pandemic I began to default on my revolving debt and auto loan. Pursuant to the CARES Act, most of my creditors negotiated a settlement payment or provided a forbearance. XXXX XXXX XXXX XXXX choose to charge-off my account after XX/XX/2020 and during the pandemic. Several years later, they sold the charged-off debt to Midland Credit Management XXXX 

In violation of Sec. IV subsection 4013 : XXXX denied my request for relief pursuant to Sec. 4013. 
In violation of Sec. IV subsection 4021 : Midland Credit Management is trying to collect on a debt that was charged-off during the pandemic after XXXX refused to provide relief. The collection attempt and its reporting to the credit bureaus is in violation of the CARES Act.

Additionally, Midland Credit Management has failed to provide evidence the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT AL
SO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit card

The card was to be used to pay my cell phone bill with XXXX. At first they were double charging my account. It was hard trying to explain that to the bank. I refused to use the card. A previous payment was added to the account as a debt. I sent correspondence showing the added debt -- no response. I was also charged with a payment in XXXX, which should not have been added to my account. I sent three correspondences regarding the error. I tried calling and customer service hung up the phone. I even went to the XXXX store to have them to call because I could not get through. I get numerous emails stating my account is overdue. I try to contact them and can not get through. I had two other accounts with the same bank, and I cancelled the credit because of their poor customer service. I sent in two payments with their coupon with their address and their window envelope, and they were returned to me marked " insufficient address, '' by the postal service. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, & XXXX Card 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, I recently obtained a copy of my credit report and discovered the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that only the permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : 1. XXXX XXXX, Inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 3. XXXX XXXX, Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX, Inquiry date : XX/XX/XXXX 5.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 6. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 9. XXXX XXXX XXXX, Inquiry date XXXX XX/XX/XXXX 10. XXXX XXXX, Inquiry date : XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX XXXX XXXX be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.