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

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX made a purchase from me on XXXX XXXX. Buyer used a fake email to represent Zelle ( XXXX ) sending me the money for order. Then sent email stating I needed to collect {$500.00} from buyer and refund it to make my Zelle account authorized for Marketplace transaction. Buyer sent email stating {$500.00} was pending and to refund {$500.00} and provide screenshot of of my {$500.00} refund. Money was never pending into my Zelle account and Zelle sent my {$500.00} to XXXX. Buyer got nasty with me once I called out his scam and I sent a request for my {$500.00}. I immediately called my bank, XXXX to report this. XXXX saw I sent {$500.00} in Zelle and didnt see any pending deposits for my account. He told me to call back next day to file dispute XXXX the {$500.00} showed as a posted Zelle deduction from my account. I also contacted Zelle, I was directed to deal with my bank. I called XXXX next day when the {$500.00} was posted as coming out of my account. Case opened at XXXX. Meanwhile I forwarded emails to Zelle customer service, they requested me to call them. I did, I explained what happened and was told unfortunately I need to file dispute with bank as I already did. I forwarded the fake zelle email to XXXX on XX/XX/2022, the zelle customer support was able to tell me the money I sent did go into a XXXX  XXXX XXXX account. 
On XX/XX/2022 XXXX denied my case and said this was an authorized Zelle transaction. 

I am out {$500.00} and no company is helping me. Zelle, XXXX XXXX XXXX or XXXX bank
Product: Payday loan, title loan, personal loan, or advance loan

So I had got a loan from this company and I had at the time a XXXX  XXXX XXXX account but I had issues with my account so we reopened another account and so when they approved and deposited my money it went to an account that was close so I never seen that money and XXXX  XXXX XXXX wouldnt help me with proof they kept giving me the run around so but this is the current problem just about once a day this loan company harasses me on my cel phone asking for money this been going on since I got approved and even though its gone through collections and they are still calling me
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your Experian on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : 1. XXXX/XXXX XXXX- inquiry date XXXX 2. XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX 3. XXXX  XXXX- inquiry date XX/XX/XXXX 4. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXX,XX/XX/XXXX 6.  XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, 7. XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 8. XXXX XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, 9. XXXX XXXX- inquiry date XX/XX/XXXX 10. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 11. XXXX XXXX inquiry date XX/XX/XXXX 12.  XXXX/XXXX  inquiry date XX/XX/XXXX 13. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 14. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 15. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 16.  XXXX/XXXX/XXXX XXXX  inquiry date XX/XX/XXXX 17.  XXXX XXXX XXXX inquiry date XX/XX/XXXX 18. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 19. XXXX XXXX XXXX inquiry date XX/XX/XXXX 20. XXXX XXXX inquiry date XX/XX/XXXX, 21. XXXX XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 22. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX I contacted ALL creditors listed, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( XXXX, XXXX, Equifax ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.
Product: Debt collection

I am writing to formally dispute in violation of federal laws protecting consumer rights and personal information. 

Violations Cited 1. 15 U.S.C. 1681b Under this section, access to my consumer report is permitted only for specific, permissible purposes. I have reason to believe that my consumer report was accessed without proper authorization or a valid purpose as defined under the law.

2. 18 U.S.C. 1028A This law criminalizes knowingly transferring, possessing, or using another individuals means of identification without lawful authority. If my personal information was used fraudulently or without consent, this constitutes a violation of this statute.

3. 15 U.S.C. 6802 This section mandates that financial institutions provide clear disclosures about how they share and protect customers private information. Additionally, it requires explicit consent before sharing sensitive personal information in non-permissible ways. If my information was shared without my knowledge or consent, it violates this law.

Request for Action I am requesting that you : 1. Provide documentation showing the basis or authority for accessing or sharing my information.

2. Investigate the unauthorized use or sharing of my information, identify responsible parties, and provide a written response with your findings.

3. Cease any further unauthorized access, use, or disclosure of my personal or financial information.

4. If applicable, immediately delete any records or information obtained unlawfully or without my consent.

Next Steps If you fail to resolve this issue promptly, I reserve the right to take further action, including filing complaints with FTC or pursuing legal remedies. 

Please respond to this letter within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from XXXX XXXX Experian and XXXX!
Product: Debt collection

Under the law 15.u.s.c 1681and 1692 this is illegal to report this on my credit report. I would like for this to be removed within 14 days. My consent was not given and I don't have any information. I have tried to get this issue resolved and would like for the CFPB to help me clear this off my report within 15 days.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I contacted my mortgage company ( Ditech ) by letter XXXX/XXXX/XXXX requesting a loan modification due to loss of employment. They requested I fill out the required paperwork which I did and submitted XXXX/XXXX/XXXX. I was denied help b because income was zero even though my husband is a XXXX veteran and collects monthly VA benefits. In XXXX XXXX I was able to regain employment and at the request of Ditech Rep XXXX XXXX I resubmitted all paperwork again XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX stating my rep had changed but no status update of my modification request. During the next few months I made calls to my Rep for status updates and I was told told the underwriters were still looking at my paperwork. Then, I received a letter dated XXXX/XXXX/XXXX notifying me of my loss mitigation options as thoug h I had never applied in the first place. I placed another call to Ditech and this time I spoke with XXXX # XXXX and told him of my situation. He looked at the account and said to me, " I see where you sent in all the infor mation and it was received ; but it does n't look like anyone has looked at your account since. '' Noone has looked at my account since XXXX/XXXX/XXXX? I find this to be totally unacceptable Customer Service ; not to mention my mortgage is now over {$14000.00} in arrears because I could n't make the payment Ditech wanted and I 've been waiting for a reply to the loan modi- fication I requested. My original mortgage company was Green Tree and then changed to Ditech the end of XXXX. My interest rate at that time was 3.0 % and jumped immediately to 4.0 % for XXXX, XXXX and XXXX XXXX. It increased to 5.0 % effective XXXX/XXXX/XXXX and recently I received another increase notification dated XXXX/XXXX/XXXX of an increase to 5.375 % effective XXXX/XXXX/XXXX. I could n't afford the payment at 4.0 %, it is more than XXXX of my monthly salary. I am at my wit 's end now, I do n't know what to do so I am contacting you for advice. Because of the past due amount on my mortgage I have been told I am not eligible for the XXXX program but yet others are telling me I am. Today I placed another call to Ditech and of course spoke to yet another rep ( XXXX # XXXX ) and she typed into my account the information from our conversation and to have her Manager send me yet another form since she was not author ized to do so. 

Please Help XXXX XXXX
Product: Mortgage

My current mortgage servicer, Chase Home Lending, repeatedly sends me marketing emails and marketing letters, despite my repeated requests to stop sending me marketing emails and marketing letters. Chase acknowledges that I have opted out of all marketing as of XX/XX/2023, but it still repeatedly sends me marketing emails and marketing letters. Additionally, the Chase marketing emails do not contain opt-out information. All this is in violation of the CAN-SPAM Act, a federal law that gives me the right to opt out of marketing emails. This also impacts my rights as a borrower with a mortgage loan, as some of the emails seem to request early payoff of my current up-to-date loan, which could be construed as an attempt to collect debt that does not comply with the Fair Debt Collection Practices Act ( FDCPA ), as email communication is inconvenient to me. I am attaching copies of the Chase emails that I continue to receive, my marketing settings, and my repeated requests to stop the marketing and non-essential communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of default and opportunity to cure. 
Official statement from XXXX XXXX XXXX to XXXX Equifax and XXXX credit services This is a follow up and legal document in pursuit of lawsuit versus XXXX Equifax and XXXX XXXX services. 
All companies were notified in the month of XXXX XXXX XXXX XXXX XXXX and XXXX Of fraudulent accounts reporting on the credit profile for XXXX XXXX XXXX. The following account XXXX mission late payment, XXXX XXXX  and XXXX XXXX  was all fraudulent reported as of today, the only company that has removed some of the accounts is XXXX XXXX, they have removed all accounts except for XXXX and XXXX 
Equifax and XXXX have refused to remove all fraudulent accounts. 
The consumer XXXX XXXX XXXX has been forced to move Forward with legal action this is a notice for evidence and an opportunity to cure. 
All agencies and companies have 14 days to remove the fraudulent accounts from the credit profile of XXXX XXXX, XXXX or comply with legal action. 
Please be aware that All credit agencies Has failed to properly respond to previous legal notice and it's officially in commercial default. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$140.00} XXXX XXXX  and I filed for dispute XXXX XXXX agreed to Remove account due FCRA violations.However Experian havent responded to the dispute.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information Dear Sir/Madam , I am writing to dispute inaccurate information listed on my credit report provided by Transunion. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX XXXXXXXX account across TransUnion XXXX XXXX, and XXXX XXXX here are the key details to compare and potential inaccuracies to consider disputing : Date Opened : XXXX XXXX XX/XX/XXXX. Matches Experian but not TransUnion. 
High Credit : XXXX : {$5300.00}. Different from both TransUnion {$6700.00} and XXXX {$0.00}. 
Credit Limit : XXXX : {$0.00}. Matches XXXX, but not TransUnion {$4700.00}. 
Last Reported : XXXX : XX/XX/XXXX Different from TransUnion and XXXX, both of which report XX/XX/XXXX. 
Comments : XXXX : Charged off account. Accounts closed by credit grantor. Different resolution description compared to TransUnion Charged off as bad debt. Dispute resolved ; reported by grantor. and XXXX Account was in dispute- now resolved - reported by subscriber. 
Date Last Active : XXXX : XX/XX/XXXX. Much earlier than TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. 
Date of Last Payment : XXXX : XX/XX/XXXX. Earlier than both TransUnion and XXXX, which report XX/XX/XXXX. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including documents/evidence supporting the claim, such as billing statements, payment records, or correspondence with creditors. 

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

I am also including a copy of my dispute to the organizations below. 

CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX Thanks For your Cooperation.
Product: Credit reporting or other personal consumer reports

XXXX is working with Equifax and XXXX aka XXXX XXXX to manipulate my credit score. On XXXX XXXX XXXX and Equifax dropped my credit score by a total of XXXX points. Equifax changed my payment status on my XXXX XXXX XXXX account to reflect a 30 day late for XXXX of 2024. This matter had previously been corrected by XXXX XXXX XXXX in XXXX of 2024. Ive contacted XXXX XXXX XXXX and they advised that they did not make any updates that would reflect the account to be delinquent. XXXX is reporting XXXX accounts incorrectly XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These three accounts should reflect included in XXXX  XXXX bankruptcy. Please see the attachments which shows XXXX dropping my score for items that should not drastically affect my score. This behavior has been consistent with XXXX. I feel that the behavior is an act of retaliation due to previous legal action and complaints I've taken against XXXX. This behavior has and continues to cause me emotional stress and financial damage. It is just unimaginable that they would intentionally harass me and especially on XXXX XXXX! This behavior is unacceptable and needs to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove 2 hard inquiries appeared on my account XX/XX/XXXX when my account had a security freeze placed on it, i also have the letters from the 2 banks stating that the request was rejected due to the freez, Equifax still refuses to remove the hard inquiries.