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

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am writing AGAIN to formally request assistance and a reinvestigation of the Chapter XXXX bankruptcy currently listed on my credit report. Despite multiple attempts to resolve this issue through more than XXXX phone calls, online disputes, and certified letters, this erroneous information remains on my file. This situation has caused me significant distress and frustration. I am an educated consumer and under the Fair Credit Reporting Act ( FCRA ) and the regulations of the Consumer Financial Protection Bureau ( CFPB ), I am entitled to a credit report that is both accurate and private. 

Specifically, under 15 U.S.C. 1681i, Equifax is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, 15 U.S.C. 1681e ( b ) mandates that Equifax must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. Equifax sent a computer generated communication indicating that " the company that reported the information has 'verified ' to Equifax that the information is accurate '' is not truthful nor accurate. As I understand FCRA and CFPB, laws and regulations, I am entitled to a verified written process that clearly details how the information on my credit report was verified as accurate. NO PROOF OF PROCESS HAS BEEN PROVIDED TO ME only computer-generated letters. The Chapter XXXX bankruptcy information on my report has not been provided by the XXXX XXXX XXXX  XXXX XXXX XXXX nor do they ever VALIDATE OR VERIFY confidential and personal information. Enclosed, please find documentation supporting this claim. It is imperative that this inaccurate information, along with all associated accounts, be removed immediately from my credit report. Equifax needs to provide me with copies of all documentation associated with this PUBLC RECORD ACCOUNT bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the laws and guidelines, all the information listed under PUBLIC RECORDS needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the FAIR CREDIT REPORTING ACT 623 ( a ) ( 3 ). This continued inaccuracy is unacceptable, and I am prepared to escalate this matter. If all accounts tied to the Chapter XXXX bankruptcy and any related information are not expeditiously removed from my credit file, I will have no choice but to consider litigation. I seek prompt and complete removal of this erroneous information to rectify this issue and prevent further harm to my credit standing. Please provide written confirmation once the deletions have been completed.
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 u.s.c. 1681.. 
Account Name .... Dept of Education.. Account # XXXX ... Account Name .... XXXX XXXX XXXX Account # XXXX .... Account Name... XXXX XXXX XXXX  ... Account # XXXX .... Account Name .... XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... 15 u.s.c 1681 section 602 A. state 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.

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Mortgage

We got behind in our mortgage payments due to being self-employed. I called the company in XXXX to try to resolve our past due debt. At that time, I was told that they refused to work with us on a payment plan and refused to modify our loan or grant us a forbearance. At this time, I was verbally told over the phone that my account was in foreclosure, but they failed to send me notification of the foreclosure. I asked to get a notice sent to me and they said that they don't send any notices of foreclosures to their customers. I called in the beginning of XXXX to ask again for disclosure. This time they informed me that the amount I owed was {$11000.00} ( in XXXX I was told I owed {$9900.00} ), and that the only payment that they could take was a bank transfer. On XX/XX/XXXX, I called again to verify the amount that I owed because we were able to get the funds necessary to get the account caught up. I was told that we now owe over $ XXXX. Once again, I was denied any notification how my account could increase that significantly in just over a week. I paid the amount required on XX/XX/XXXX through a bank wire and added additional money to the payment to go towards my next payment. I then called the company to verify that my payment was received. It was at this time that I found out that they held onto my payment for 3 days and didn't apply the funds to my account until after they applied additional fees to my account. Conveniently, the fees added up to take up my whole payment and didn't leave any money to be applied to my next payment. I was told to email them to get an explanation of the fees and they if they would negotiate the fees. They refused to negotiate and send me a disclosure the fees that they attached to my account. They kept my money and left me with no overage. This is theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$180.00}. 

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: Debt collection

Identity Theft Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I am writing to formally express my concerns and frustration regarding the TransUnion data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. TransUnion is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Please verify and validate all data for thi
s unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

FCRA Violation : This misreporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to provide accurate information.
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, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Mortgage

Loan was paid off and for 14 years Wellsfargo is trying to foreclosure on a copy of the note dismissed twice and went to trial and won, Now they renamed the trust, the trustee and servicer trust was a XXXX XXXX XXXX fraudulent case dismissed in XXXX and trust expired in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX the United States District Court of XXXX District of Kentucky issued a Discharged in Re : XXXX XXXX XXXX and XXXX XXXX XXXX Vs. United States Trustee. Upon that discharged I demand that XXXX XXXX XXXX and its affinities to update my crerdit report to all major credit bureaus of my payment history for the last 73 prior months from this date. 
They have failed to do this or present me proof update my credit report with respect to my Mortgage History for the last 73 months.
Product: Debt collection

A letter was sent to Midland Funding inXX/XX/XXXX requesting  verification of a debt and also requesting that any and all correspondences be sent in writing. Today, XXXX XXXX, at apx XXXX XXXX I my employer received a phone call from Midland Funding regarding my employment status for an unverified debt.

It is illegal to contact an employer regarding an individual's personal debt.

This company Midland Funding, has not responded to my written requests to validate this debt and I am requesting that this debt be removed from all three of my credit reports because it has not only been over 45 days since they were contacted regarding proof of this debt, but have also ignored requests to not contact me or my employer by telephone.
Product: Mortgage

I was sent a mortgage modification from my mortgage company " Ocwen '', I filled out no paper work it was just sent to me. So I decided to take advantage and started the trail payments. I finished the trail payments which I set up on their website to be automatically taken from a bank account, so that I would not be late. I noticed the payments had stopped and asked my mortgage counselor why. I was told they would resume once the mortgage modification was approved. So I left enough money in that account to make the first payment. We are on a very tight budget and owe money to other debtors as well. So every extra dollar we use to try and pay off a debt. I asked the counselor do I have to do anything or change any information. I was told no they had my bank info and the payments would continue to come out automatically. The modification was approved XXXX months later and I was told I had to send in XXXX payments. I told them I did n't have XXXX payments I thought they would take the payment I left in the account when it was approved and I would add another. I was told at this point it was my fault and responsibility to keep paying. I argued I was miss informed could they please help me there is no way I can send XXXX dollars. Please add the payments to the end or can we stretch them out over XXXX years seeing I was having a hard time with the payment before the modification, how would I now be able to pay a higher payment if I could n't before the modification? I was angry and they were very demeaning telling me as a homeowner I should know better. I said to them why did you stop my auto pay they had no answer it my responsibility. I again explained I trusted their direction and now they will kick me and my wife and kids out on the street if I do n't give them at least XXXX and they will set up a payment plan for the rest. I don ; t know what to do I don ; t want to be homeless, we have lived here for almost XXXX years. Please help they seem to do and say what ever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

My   XXXX   credit bureau was pulled by  Santander Consumer USA  on  XX/XX/2015   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Credit card

{$75.00} was scheduled autopay to be taken from my XXXX 's XXXX XXXX credit card on XX/XX/XXXX. I was charged a late fee I called them on XXXX XXXX  XXXX  on XX/XX/XXXX. They could see the auto-ay was set up. They could not explain why it did no go through. They waived the fee but refused to give me an email that this was not reported to the credit bureaus. They also said they " are pretty sure '' the next payment will go through. 

I also have an XXXX XXXX XXXX XXXX XXXX and was hit with a late payment for the same thing -- they did not recognize autopay and hit me with a late fee. I am currently typing this to you as I called them at XXXX XXXX EST sharp and have been on hold for 30+ minutes without a rep even picking up. 

My mom has a XXXX XXXX XXXX as well and had the same thing done. Something is up and I bet they just got a ton of late fees to them that were never supposed to be charged to us. 

Completely unacceptable.
Product: Credit reporting or other personal consumer reports

Noted when checking my recent credit report of 3 inquiries from XXXX and 1 inquiry from XXXX  without my consent. Tried calling the companies but did not delete them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccurate Information on Credit Report I am writing to formally dispute inaccuracies on my credit report obtained from your bureau, in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the discrepancies I have identified regarding my account with the 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 **Experian** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The balances reported by XXXX and Experian are inconsistent with the balance reported by XXXX. This discrepancy suggests that the XXXX entry may be incorrect, especially if the account is still open. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Experian** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a discrepancy in the account status. XXXX and Experian report the account as open, while XXXX shows it as closed. I request verification of the current status with the creditor. 

3. Payment History - All reports indicate 100 % on-time payments. However, some months show " No data available, '' particularly in XXXX. 

While the payment histories appear consistent, the missing data months could indicate an incomplete report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Experian** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The monthly payment amount reported by XXXX is {$0.00}, which differs from the amounts reported by XXXX and Experian. If a payment plan is active, the amounts should be consistent across all reports. 

5. High Balance All reports show a highest balance of {$3500.00}, which is consistent.

Under **15 U.S. Code 1681c-2**, a consumer reporting agency shall block the reporting of any information identified by the consumer as resulting from identity theft, not later than four business days after receipt.

Furthermore, under **15 U.S. Code 1681e ( b ) ** and **15 U.S. Code 1681i ( 5 ) **, the failure to report this account accurately is a violation of my rights. 

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**. Pursuant to **15 U.S.C. 1681** Section 602 ( a ), I have the right to privacy, and under **15 U.S.C. 1681** Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 


I am requesting the original copy of the agreement, along with the terms and conditions. Failure to comply will forfeit your claims and require you to delete all the accounts mentioned above. You are required to block these transactions from being reported to my consumer report **within four days** from the date of receipt of this notice. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

In the last XXXX years of me using Zelle, I was unaware of the permanence of any transactions that would be made of it. The reversal of any transaction is just about impossible, and Zelle/my financial institution had failed to investigate my claim when I had once been scammed. The findings of the CFPB show that Zelle has failed to protect their customers over time - I was not helped at all and told my lost funds could not be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Checking or savings account

In XX/XX/2021 I was sent a check for merchandise i was supposed to buy for a job i didnt end up. The check ended up being fraudulent. I cashed the check and sent the money back BC I was being honest and wasn't going to keep the money since I wasn't taking the job. It went through my bank. I sent the money back to them and then the check was returned. The check was for XXXX. 
My bank was chase bank.
Product: Credit reporting, credit repair services, 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 & Number XXXX  XXXX # XXXX, US DEPT OF EDXXXX # 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 States : 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.