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

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$660.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXXBalance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$10000.00} ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF EDXX/XX/XXXX 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The original default date with original creditor ( XXXX ) is XX/XX/XXXX. Portfolio Recovery in response to my initial dispute presented information that represents a false picture by submitting a bill from XX/XX/XXXX as evidence of account accuracy. This is misleading and skirts the fact that this account has been in default status for over 7 years. XXXXXXXX also did not investigate to determine this fact.
Product: Credit reporting or other personal consumer reports

Experian failed in their duties concerning the XXXX XXXX account in several key aspects : 1. **Verification of Debt : ** Experian did not adequately verify the debt with XXXX XXXX XXXX . The information provided by XXXX XXXX, including the lease agreement with a signature that did not match the consumer 's identification, should have raised concerns about the accuracy of the debt. Experian 's failure to ensure proper validation contributed to the reporting of potentially erroneous information on the consumer 's credit report.

2. **Dispute Resolution : ** Despite the consumer 's dispute regarding the accuracy of the information, Experian did not conduct a thorough investigation. Instead, they merely accepted the information provided by XXXX XXXX XXXX without further scrutiny. This neglect to address the consumer 's dispute directly violated the Fair Credit Reporting Act ( FCRA ), which mandates prompt investigation and correction of disputed information.

3. **Responsiveness : ** Experian did not respond to the consumer 's subsequent complaint filed with the Consumer Financial Protection Bureau ( CFPB ). Their lack of responsiveness to regulatory inquiries demonstrates a failure to prioritize consumer protection and compliance with federal regulations. 

In summary, Experian 's handling of the XXXX XXXX account illustrates a failure to fulfill their obligations under the FCRA, including verification of debt, dispute resolution, and responsiveness to regulatory inquiries. This negligence has led to the inaccurate reporting of information on the consumer 's credit report, potentially harming their creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a natural human being and I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they have violated my consumer rights multiple times. I demand the accounts listed here are modified and updated to Paid as Agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus are not respecting the law. I proved my claim on numerous occasions that they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USCs-2 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. ( B ) Reporting information after notice and confirmation of errors.
Product: Credit reporting or other personal consumer reports

The agency EARLY WARNING SERVICES LLC, Consumer Services are reporting false information and has been for a while now. The agency 's false reporting has caused harm and are guilty of defamation! The agency has caused for my XXXX XXXX  account closure and informed XXXX to close my account. The information that they have is false because my identity has been stolen long ago! Reference # XXXX
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681-B : permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of the account listed IMMEDIATELY : XXXX XXXX XXXX. I demand the deletion of these unauthorized inquiries IMMEDIATELY : XXXX XXXX, XXXX XXXX XXXX XXXX VIA DEALER, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I demand the deletion of the following incorrect information : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Student loan

I had two student loans with a servicer, Launch Servicing, and I sent them a check for {$33000.00}, which was the amount given to me in the 10-day payoff, indicating both loans to be paid. 

The servicer paid-off one loan but not the other in error and said they would be sending me a check in the mail for a total of {$9300.00} and that it could take up to 30-business days to get to me. 

When I expressed my concern about the additional interest I would pay due to the error they said there was nothing they could do and I would be held accountable for the additional interest, which I calculated to be roughly {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent Department of Education account on my credit report. I have sent an affidavit with a notorized police report stating the false account. The account was opened somewhere arou nd 2014 and is for an amount totaling around {$15000.00}. I have requested by an affidavit that they provide me with the ORIGINAL contract signed which is stated by federal law through the FCRA Section 609 ( a ) ( 1 ) ( A ). They have still not provided me with it. In Texas every creditor is required to be bonded through the Secretary of State in which the Department of Education is not. Please remove all accounts from my credit  report immediately. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was calling around to inquire about mortage/HELOC rates, had one sales rep say he can " pre-qualify '' me without it hurting or any bad marks hitting my credit report, after the phone call my credit had an inquiry that I did not want and went down about 5-6 points. I tried calling the issuer at XXXX but says company is no longer in service, I feel like I've been taken advantage of. 
I have since frozen my credit reports to prevent any further unauthorized inquiries.
Product: Debt collection

Today I called ERC, XXXX after I found a new collection for XXXX on my consumer credit reports. As usual they were not helpful but agreed to dispute the trade line and provided me with a complete account number for XXXX. I called XXXX and after more than an hour, found this was not my account, not my address and not my collection. They were not in the mood to help me get this rectified immediately so the wrong information is being reported and a credit collection agency is wrongly reporting incorrect information. I demanded an immediate correction to my credit report and ERC to drop the account. They are now knowingly reporting incorrect information.
Product: Mortgage

I own two homes that are financed through a VA loan. The first home located in XXXX, XXXX  is financed using a VA loan with XXXX XXXX XXXX XXXX ( XXXX ). The second home located in XXXX, XXXX is financed using a VA loan with Cardinal Financial. 

I recently refinanced my second home loan with Cardinal Financial. I believe the actual closing date was Friday, XX/XX/XXXX. I received the cash out funds through a wire transfer to my bank account on Monday, XX/XX/XXXX. 

On XX/XX/XXXX, a representative from Cardinal Financial sent me an email stating the following : " As we discussed on the phone, the VA is stating you do not have enough eligibility to qualify for the new house plus keep the XXXX XXXX property on the VA loan. Please let me know once you have spoken to the realtor regarding selling the property. The other option is to refinance XXXX loan to a conventional loan. '' This information was never provided to me prior to refinancing my home in XXXX. It was only provided after closing. The representative also suggested that when I refinanced my home in XXXX, that the new interest rate on the conventional loan would be 1 % higher than my current rate using the VA loan provided by XXXX. 

After doing some research, I found that not only did Cardinal Financial charge me a higher interest rate than other banks to refinance, but one of their representatives was also trying to cover up a mistake the bank made by convincing me to refinance my first home loan to resolve the issue. I also found out that due to the error that Cardinal Financial made my XXXX home would no longer be eligible for an interest rate reduction loan that is normally provided by the VA 210 days after I make my first mortgage payment. 

I requested that the Cardinal Financial representative fix this issue by providing a conventional loan at 3.25 % at XXXX cost to me since the error was on their part. But I have not heard back from any Cardinal Financial representative regarding my recommendation on how to fix this issue. 

I would appreciate it if the Consumer Financial Protection Bureau could assist me with resolving this issue so that I can be eligible for the VA interest rate reduction loan in the future for my home in XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.
Product: Debt collection

Transunion is making this credit report a fraud, this was resolved in another credit report company. Transunion never did a check on this complaint. I have a copy of them saying just not the date and no date to resolve. But they do want my money to join them to protect me. That is fraud and making me XXXX on their report.
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 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 were impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This his lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

This is a report of illegal use of my Chase Bank issued visa credit card by a felon who lives in another state. The felon charged over {$1700.00} on a card where no other persons than myself are authorized to charge paying her bills and buying goods and services. This person also attempted to change the profile and successfully changed my email address so she could go undetected. I now have her identity because the bank replaced the cards with one bein in her name. Her name is XXXX XXXX, XXXX, lives in XXXX, PA and I have a report on her and a picture of her from a background search. This is the name on the card which I still have in my possession.
Product: Mortgage

XXXX XXXXXXXX XXXX has engaged in a patern and practice of making false claims in response to notices of error. 

* With regard to a large principal payment I submitted at the end of 2021, XXXX XXXX XXXX failed to timely process the payment and delayed application of the principal amount for ~20 days ( while continuing to charge interest on the principal balance ). I filed a complaint with the Texas Deparment of Savings and Mortgage Lending. Resolution was negotiaed between myself, the regulator, and XXXX. XXXX acknowledged to the regulator over the phone that an error had occured and mailed me a {$50.00} gift card to compensate me for their error. However, despite acknowledging error to the regulator and providing me compensation to offset the error, XXXX later sent a letter dated XX/XX/XXXX FALSELY stating " no service errors occured. '' *More recently, XXXX XXXX XXXX missaplied funds included with a XXXX XXXX month end payment. I sent a notice or errors and XXXX  re-applied the funds. But, again FALSELY stated that " no service error occured. '' More specifically, XXXX falsely alleged that no payment instructions were included on the payment coupon ( there were in fact payment instructions indicated on the payment coupon ). But, more importantly XXXX failed to provide any copy of the payment coupon upon which thier determination that no error occured was based. Per 12 CFR 1026.36 ( e ) ( 4 ), XXXX has a duty to provide the borrower copies of documents used to reach a determination that no error occured. XXXX has not complied with this requirement.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX 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, 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: Debt collection

Last winter in XXXX, I received a parking ticket in the city I live in. The ticket was misplaced so the debt wasnt paid ( original amount was {$30.00} ). I went to the city parking site a few weeks ago to buy a permit and found that I had an outstanding ticket. I had never received a letter nor phone call informing me that the debt was overdue or that it had even been sent to collections. Additionally, I never received any mail or phone calls from the debt collection agency ( Capital Recovery Systems ) informing me of my debt or the possibility of disputing it. I havent had a chance to visit the city office because I am a XXXX XXXX XXXX and the hours they operate are when I am typically in class. Regardless, I had no clue about this debt and there were no attempts to reach out to me to inform me of it. I am not sure if the debt has collected interest or not, and even after I checked out the website of the agency I couldnt do anything to get more information as I needed an invoice number that was supposed to be received when notified of the debt ( which I didnt receive ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit card

The {$20000.00} refunded by the merchant has not yet been returned to my credit card account. Please return the {$20000.00} to my credit card account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Formal Dispute and Notice of Civil Liability for Negligence Dear XXXX XXXX I am writing to formally dispute specific issue, e.g., inaccurate information appearing on my credit report as reported by XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and resolution of this matter. 

The following inaccuracies have been identified : [ XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$210.00} Account number XXXX ] I have attached supporting documentation, including [ list attached documents : e.g., copies of account statements, correspondence, or a copy of the credit report showing the error ]. 

Under 15 U.S. Code 1681o, civil liability is imposed for negligence in failing to comply with the provisions of the FCRA. By reporting inaccurate information and failing to ensure the accuracy and completeness of my credit file, your company has breached its duty of care under the FCRA. As a result, I have suffered damages, including but not limited to [ list damages, e.g., financial harm, emotional distress, loss of credit opportunities, etc. ]. 



To resolve this issue, I demand the following : 1. The immediate removal or correction of the disputed information.

2. Written confirmation of the investigation results and any actions taken.

3. Assurance that the inaccurate information will not reappear on my credit file. 

Failure to address this matter promptly and adequately may result in legal action to recover damages as provided under 15 U.S. Code 1681o. This letter serves as formal notice of your potential liability for negligence under federal law. 

Please respond in writing within [ state a reasonable timeframe, e.g., 30 days ] to confirm receipt of this dispute and to provide an update on your investigation. 

If you have any questions or require additional documentation, do not hesitate to contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The Debt was originally from XXXX XXXX and Midland Collection Agency bought it, its over 9 years old and was going to be a charge off they sent me fake court documents and were yelling at me, I called XXXX XXXX they are removing the bad report but Midland is still Harrassing me
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I was in the process of refinancing my second mortgage that was with NewRez/Shellpoint Mortgage Servicer. On XX/XX/year> XXXX XXXX hit our home in XXXXXXXX XXXX  and we were forced to evacuate. During this time NewRez/Shellpoint put our second mortgage into XXXX XXXX XXXX as we assessed all damages and returned home. While we were in XXXX NewRez/Shellpoint reported us as XXXX late to XXXX, XXXX, and XXXX XXXX dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called NewRez/Shellpoint to have them remove the XXXX late which they refused to do. I called the credit bureaus and opened a dispute. All XXXX deferred back to NewRez/Shellpoint who confirmed the inaccurate XXXX late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 hard inquiries are on my credit report and I vehemently deny ever applying for these cards. I am despartely trying hard to repair my credit and none of these companies will work with me. With regards to the XXXX credit, I have used XXXX for over 10 years and have never tried for credit at XXXX. They will not help me remove this. 


AMERICAN EXPRESS Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX PO BOX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.