23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This check was issued to me through XXXX XXXX, it was for a {$500.00} refund for a gift card I purchase this check was stolen and cashed by a third party, while it was THIRD PARTY ENDORSEMENT IS PROHIBITED same first national bank of Omaha cleared the check with number XXXX, you cant break your own rule, this check was cleared by a certain XXXX XXXX XXXX a copy attached, this check was found on XXXX XXXX weeks later, all attempts to get my money has proved abortive, I WILL NOT BE RESPONSIBLE FOR A LOST OR STOLEN CHECK, I WANT MY {$500.00} check
Product: Debt collection

i have been complaining about this debt collector for years and have no success. they have defamed by character by reporting false information on my credit report. They have threatened to sue me and is unable to prove the validity of the alleged debt. 

i am unable to provide for my family because i have been denied credit due to false information reported by this agency.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any late payments from merchants 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.

It Is not the consumers responsibility to help credit bureaus to do their jobs. I already went into credit karma and updated my address which means, the credit bureaus information is not complete or accurate on my credit accounts.

Furthermore, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods, undermine the public confidence which is essential to the continued functioning of the banking system. Inaccurate credit reporting can ruin American citizens, lives and their lively hood.

They have messed up my credit, how is it possible for my credit score to go from XXXX points to XXXX points and I have no outstanding debt. I have been targeted unfairly and unjustly. 

Please delete and remove all closed accounts, late payments and loan accounts, that are not valid from my credit report. 

Best, XXXX XXXX.
Product: Debt collection

Action collection services with two accounts opened against me are false. XXXX XXXX XXXX XXXX and doctor XXXX XXXX an employee of XXXXXXXX XXXX are trying to bill me while I was involuntarily XXXX. Idaho code ch.XXXX title XXXX XXXX states that the department of health and welfare is to be billed for XXXX XXXX rendered while a patient is involuntarily XXXX like I was. They were made aware today when I called them but that didn't matter to them at that time and I would like to dispute this in this manner instead of with them anymore. 
The XXXX XXXX and XXXX XXXX know that I was involuntarily XXXX  and claimed debt they knew to be false against me. The records they keep asking with the hospitals XXXX XXXX and XXXX XXXX records would show XXXX prove in being honest and forthcoming and am not the person that owes for their services. Also XXXX XXXX and XXXXXXXX XXXX and their doctors know that they were actually committing medical malpractice by holding me involuntarily.
Product: Debt collection

I have disputed this debt for years now, and WELLS FARGO refuses to correct my credit profile. The debt was already XXXX by WELLS FARGO back in XXXX or XXXX. I reviewed my profile and WELLS FARGO continues to report a CHARGE OFF ( CO ) for the months of XXXX & XXXX of XXXX, and XX/XX/XXXX. This is a violation of 15 USC 1681e ( b ) because WELLS FARGO can not report a Charge Off ( CO ) on my credit profile because its considered income and income can not be reported. XXXX, XXXX and XXXX are reporting false information. It's the duty of the Credit Bureau to report accurate information. Please correct this derogatory mark as it is damaging my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.
Product: Credit card

I have dispute the late payment inaccuracies of this creditor XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX ; directly with the creditor as well as with XXXX, XXXX, XXXX and XXXX XXXX. I requested bank transactions of proof that I was late, the creditor I never sent the proof, and it took over 30 days to perform investigation. The creditor has also re-age my accounts. They didn't verify the date last active. This account was closed XX/XX/XXXX, and paid off XX/XX/XXXX. However they added additional late payments between XXXX. I made final payment on XX/XX/XXXX, as a result this creditor wrote me a check for a {$40.00} over payment and did not report that correctly either. According to the response of their Senior Specialist, XXXX XXXX on XX/XX/XXXX ; they are reporting correctly, but in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 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 under 15 USCS 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.

I have requested multiple time that this account be updated, corrected and removed form my consumer report. None of the credit bureaus have completed a full proper investigation, they just allow this creditor to say yes they are reporting correctly.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report, as reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and correction of this inaccurate information. 

The information in question is as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Item : Reporting a balance of {$270.00}. is inaccurate Under the FCRA, credit reporting agencies and furnishers are required to report only accurate and verifiable information. Specifically, 15 U.S.C. 1681s-2 ( a ) mandates that furnishers must not report information they know or have reasonable cause to believe is inaccurate. Furthermore, 15 U.S.C. 1681i ( a ) provides consumers with the right to dispute inaccurate or incomplete information on their credit reports and requires credit reporting agencies to investigate and correct any errors.
Product: Credit card

On XX/XX/XXXX I sent a letter to Self, Inc, advising them that ( 1 ) there were fraudulent charges on my account, ( 2 ) that those fraudulent charges resulted in derogatory information being reported to the Credit Reporting Agencies ( CRAs ) and that I wanted ( 3 ) reversal of those charges, ( 4 ) notification to the CRAs that all payments towards legitimate charges were up to date AND ( 5 ) that I wanted my account permanently closed to avoid future fraudulent activity. ( See Exhibit A of uploaded letter ). On XX/XX/XXXX, Self , Inc. reversed all of the fraudulent charges, and notified the CRAs my balance was always current. I assumed - reasonably in my humble view - that Self, Inc had also acted to permanently close my account to prevent future ask as I requested in writing. ( See Exhibit A in uploaded letter, p.2 ). I did notice what appeared to be some residual balances on what I figured was the old fraudulent charges being reconciled, so I made payments in an abundance of caution. Then, in early XX/XX/XXXX, I was the victim of an unrelated identity theft and ran my credit report. To my absolute horror, I learned that this case was never closed in XX/XX/XXXX. Instead, a new card was issued and used by presumably the same credit thieves whole stole my identity and prompted to run my identity history back in XXXX. They rang up {$1300.00} and didnt pay it - ruining my credit. ( See Exhibit B of uploaded document ) But the horrifying and grossly unfair result of this identity theft is XXXX purportedly delinquent accounts. ( See Exhibit C of uploaded document ) I made NONE of those charges. Please help me get these fraudulent charges and derogatory items I had nothing to do with off of my report. ( Please see Exhibit D of uploaded document - ID theft Affidavit ). I again wrote them summarizing all of this. They completely ignored me. Never even responded.
Product: Mortgage

Chase failed to properly process escrow paperwork during the refinance of the loan of in XX/XX/. XXXX years passed before they noticed their mistake and then added $ 42k to the payoff balance. I have spoken with XXXX XXXX at Chase who has acknowledged the bank mistake, but was not able to resolve issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma keeps sending me cards to apply for, saying my approval odds are great or outstanding..I try applying and am denied, left with hard inquiries on my report that are causing my score to suffer.
Product: Money transfer, virtual currency, or money service

I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with East West Bank regarding financial transactions that caused me significant financial and psychological harm. 
The acct number that I've submitted is for my XXXX XXXX  acct from which the money was transferred to East West Bank. 

Please see the attached PDF file containing all relevant documents and evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am really furious now! As if all the exertions Im placing into this are nonsense, you are so slipshod! What is happening over there at the CFPB and Transunion?! Are guys playing around? Well, let me say to you that I am not! I am so strained that you are just disregarding my appeal to REMOVE the fraudulent accounts from my Transunion report. I have done my part to submit to you my personal information, my dispute letters, the FTC report, and the Police Report I have filed with my local Police Department to demonstrate to you AGAIN and AGAIN that I am a victim of identity theft. So what else should I do? You guys seem like a lot of passing the fault or no liability. Well, whatever the reason, I'm really beyond troubled. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt but look how far weve gone! Please DELETE this harmful information from my file straightaway! 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance XXXX XXXXLate/Closed Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix these problems cred it bureau- My lawye r and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   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   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX  -    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  This is my last time before I sue all  XXXX  credit bureau
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year>2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX **** Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an IDTHEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AV XXXX PA, MN XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

I obtained a home mortgage through XXXX several years ago. My mortgage was recently sold to Nationstar mortgage. I received a notification by mail that Nationstar will share my personal data such as my social security number and income, my account balances and payment history, and my credit history and scores with other business for marketing and information purposes and I can not opt out. This is a company that I did not choose to do business with. I do n't want my personal information shared by a third party. I do not believe that this should be allowed. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management initiated a warrant in debt suit in XX/XX/2020. I sent them a letter asking for proof that it was my debt since my information has been involved in 2 information breaches. I also kindly explained to them that I am on XXXX. 

The court case was continued. I received the results of their verification past the 30 day limit ( late XXXX ) and in that letter they failed to provide a valid signature bearing my name. I was provided a print out with my name, date, address, and notification that they completed their investigation. 

The company also had previously closed my account on my credit report. Monthly, the account is reopened and I am notified that new fees are added. My credit score depletes and then the account is removed again. 

I am scheduled to reappear in court on the XXXX of this month, which, I am sure will be continued for a 4th time ; since they refuse to provide me with adequate proof in the allotted time. 

This is not my credit card. I do not think manipulating my credit report to encourage me to pay debt that is not mine is appropriate.
Product: Credit reporting or other personal consumer reports

After constant failed attempts at informing each bureau and reporter, the items listed on this XXXXXXXX XXXX report with the XXXX shall be removed IMMEDIATELY! 

ALL INQUIRIES SHALL BE REMOVED IMMEDIATELY ALL NON-MAILABLE ADDRESSES SHALL BE REMOVED IMMEDIATELY! 

THE COMPENSATION IN WICH I SHOULD HAVE BEEN PROVIDED WHILE PAYING FOR THE XXXX XXXX SERVICES, ONES OF WHICH WERE IGNORED SHALL BE FURNISHED IMMEDIATELY ~Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of XXXX XXXX and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from XXXX XXXX unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to XXXX XXXX, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we should take out any wrong accounts from my credit report. Can you check the papers? Some of the accounts listed are wrong in terms of reporting, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not

verify after three written requests demonstrates a willful disregard of Federal Law.
Please review the attached letter. Thank you for your assistance.
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

My account with Credit Karma was frozen on XX/XX/XXXX after I use my card early in the morning for coffee. Then I received an email stating for my protection that my account was frozen, I called Credit Karma until verify one of my account was frozen and how long this process will take and the only thing they can tell me is that it's being dealt with by a different department by a group of specialists in that they couldn't give me any information and that I had to wait for an email from that department. I have not received any other communication from them since I have called them multiple times, reached out to them via email and XXXX, and XXXX XXXX XXXX XXXX and no response.
Product: Money transfer, virtual currency, or money service

I am trying to formally express my concern with you guys regarding XXXX handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with their platform. Despite using Zelle plenty of times and reporting discrepancies, my financial institution failed to investigate my claims. They informed me recovering my lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicated that Zelle had not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, making users able to scam. The lack of accountability and transparency is very unacceptable and raises serious concerns regarding consumer safety.
Product: Mortgage

I am a couple of payment behind on my Mortgage. Which the total amount is {$1000.00}, I have recently paid a payment of {$520.00} and will pay the remaining amount later in the month. They also told me that someone from XXXX, to come at my home. They came uninvited to my home around XXXX on XXXX/XXXX/2016. I do not want them to come to my house anymore which Bank Of America said I can request anyway, but they came right away after I received the papers.
Product: Student loan

I called on multiple occasions in order to obtain repayment assistance to no avail I was never provided informTion as to how the fees where being calculated norm was I provided information as to have the payment was being allocated
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan through XXXX XXXX XXXX and received a letter approving the loan. However, one of the credit reporting agencies Sage Stream, LLC [ www.sagestreamllc.com ] was unknown to me as on e of the major crediting reporting bureaus. I reached out to Sage Stream LLC at XXXX. This company is trying to create a data base of users asking for personally identifiable information, ( PII ). After researching this company via reviews i.e XXXX and XXXX XXXX. It appears that this is an attempt at predatory lending, as the reviews consistently show that their credit reporting modules are lowering consumers credit scores at least 200 points lower than the three major credit reporting. This gives the lenders an opportunity to charge a higher interest rate for a loan. 

It is my opinion that as a result of XXXX XXXX XXXX  using Sage Stream LLC, I  was charged a higher interest rate for someone with my credit standing.