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

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

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

I am extremely frustrated with all of the major credit reporting agencies ( Experian, XXXX, XXXX ) and their antiquated algorithms for credit score calculations. I have paid off ALL credit card accounts every month, paid my mortgage on time, etc. for 7+ years - yet still, if I have any sort of increased expenditure for a given month - even though it is paid IN FULL at end of the month - it still has a NEGATIVE IMPACT on my credit score if/ when my credit card utilization for a given month exceeds 30 % even though it is paid off IN FULL each month! This is total XXXX & needs to be FIXED. I am so tired of my credit score fluctuating from the low to mid XXXX to over XXXX & the only reason it dips below XXXX is due to greater than 30 % credit card utilization in a given month. This is total XXXX as to a reason for why my credit score should drop ( however temporary it may be ) & I am tired of the credit bureau agencies doing what they want to & totally XXXX over consumers because they refuse to UPDATE their credit score algorithms to something that makes sense. I am a financially responsible consumer who has larger expenditures from time to time- as pretty much ALL CONSUMERS DO- but always pay them off in full within the 30 day cycle. WHY should I be penalized by a 50+ point credit score drop in a given month merely because my CC utilization goes up from time to time? This makes NO sense & is a totally arbitrary factor in calculating a credit score & needs to be FIXED. I want a response & I want ACTION to resolve this ridiculous factor that goes into a credit score calculation. Makes NO sense & causes stress on many consumers for NO GOOD REASON.
Product: Credit reporting

On my free credit report from Equifax , an incorrect address, one where I have never lived is shown. To dispute items on the report, it says go to " XXXX '' Over four days, my computer ( s ) can not connect to this site. I suspect it has been engineered to make it impossible for people to correct errors.
Product: Money transfer, virtual currency, or money service

A person sent me {$60.00} in error on cash app XX/XX/XXXX ... That person informed me the next day XX/XX/XXXX. I acknowledge receiving the {$60.00} and sent back on XX/XX/XXXX standard delivery. That person filed a dispute on XX/XX/XXXX prior to calling me. Cash app investigate the dispute and refunded that person another {$60.00} on XX/XX/XXXX. Two weeks and two days later. I contacted cash app via the app and explained the error and requested a refund. They replied once refunded case closed. I informed them that they did not do due diligence on investigating the dispute because it {$60.00} had been returned on XXXX two days after originally sent. Therefore no refund of {$60.00} was due since account had already been made whole.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 XXXX XXXX XXXX
Product: Debt collection

I received notifications from Pressler and Pressler on various lawsuits. 
First, they have been sending notices to an address that I do not live at anymore and do not have any access to. My mail has been forwarded and changed with DMV, so I find it odd that they can not use my correct address, but mail something to an old, temporary address instead. I only happened to find out about it because I ran into my old landlord. 

Second, they have been contacting people that I am only distantly contacted to. First there was my boyfriends ex-wife who was more than happy to tell everyone how " some lawyer contacted her and said that XXXX is going to jail if she does n't respond ''. Then they contacted my dead fathers wife ( who I have NO contact with ) and told them the same thing. Her daughter was more than happy to get on XXXX and spread this as well. 

All this is bad enough, but I recognize none of these debts. I have not had a credit card in many years ( far longer than NJ law allows debt collection for ). And I also do not know how they arrived at the last name XXXX or the middle initial " XXXX '' that they keep attaching to my name. My name is XXXX XXXX, no middle initial and no other last name. 

A few years back, I had my wages attached by an unknown law firm ( I am assuming this was them ) with no notice so I am assuming that they sent letters to an old address again. I did not have the job long after and did not have any money for a lawyer to fight it and, mistakenly, I let it slide. 

I requested that they validate these so-called debts with me and also verify these other names they keep attaching to mine. I have not had a response yet. 

I am not sure I chose the right category above because there are so many problems. 



Thank you.
Product: Credit card

I received approval for a credit card and upon its arrival, I attempted activation. Initially, I was prompted to scan my ID for identity verification, which was confirmed, yet my account remained restricted. On XX/XX/2024, I contacted customer support, who requested further identity verification via text message. Subsequently, I was instructed via email to submit my ID ( front and back ), proof of residence, and Social Security Number ( SSN ) card. Despite providing the requested documents, I was informed five days later that my ID could not be verified and was asked to resubmit the documents. After another five-day wait and no acknowledgment of receipt, I resubmitted the documents and received verbal confirmation of their receipt. However, on XX/XX/2024, I was once again asked to submit the same documents without any explanation for the repeated requests. 

This process has adversely affected my credit score due to three separate inquiries on my credit report. Moreover, I am concerned about the repeated transmission of my sensitive information, including my SSN, without any resolution or justification provided for the inability to activate my card.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

The collection agency is trying to collect a debt Iam not aware of. I did dispute on one of my credit reports and it was removed
Product: Mortgage

I paid my property taxes on time until I refinanced my home. My mortgage was refinanced by XXXX in XXXX where I am a resident. I paid prorated taxes to XXXX and I have documentation as proof which also contains that on top of the existing amount I pay per month, I also put the amount of my property taxes into an escrow of the company which is how it gets paid afterwards. A month later ( end of XX/XX/XXXX ) the loan was purchased by Caliber Home Loans , Inc. ( Corporate Office : XXXX XXXX XXXX, XXXX, TX XXXX ). I have been making payments promptly and on top of that I have been submitting additional payments towards my principal. Today, I received a delinquency notice from the XXXX County Treasurer, that I owe property taxes for the current year ( which where Caliber Home Loans Inc. has been the responsible party ). I called their department and I was told that they will do an investigation but WILL NOT call me back about this and basically left me on my own. They have been taking money out of my payments since XX/XX/XXXX and fail paying the property taxes THEY ARE responsible for, leaving me with penalties. Please enforce the applicable laws against such company. Took my money, do n't pay what they are mandated to pay by law and furthermore stated that they will not even keep me posted on this which will essentially allows the county to post the delinquent property address ( and its owner ) in the local newspapers. Thank you and XXXX Bless!
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 a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX****
Product: Credit reporting or other personal consumer reports

Earlier this year I noticed an error reporting on my XXXX account, and XXXX reported later, incorrectly, to the CRAs that I paid my account late. I contacted XXXX to correct this because I have been a customer of theirs for XXXX  years, and have always had great payment history. XXXX was so rude and did not help me. Then, I contacted the CRAs also to fix this error, but they did not either. The problem is that the status shows " paid as agreed '' but it is RED not GREEN, so when I pull my credit report it's showing a derogatory remark. This needs to be fixed ASAP! I'm so tired of contacting these companies repeatedly to fix a mistake they made. It's exhausting and I just need this corrected, because it's impacting my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three XXXX, Trans Union and XXXX to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX fraudulent inquiriesXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.
Product: Debt collection

I seen the debt in my XXXX XXXXa account and did not recognize the charge. I recently have filed bankruptcy about 2 years ago. I definitely do not have the credit for the amount that was loaned or approved and being told I owe. I am not sure how this is adding up as my charge. I disputed it with XXXX XXXX and it was not approved. This is why I came here to dispute. I did try calling the company but could not reach anyone or leave a message. I do not have any information such as account number to send them a message to get more information. Account says opened XX/XX/year> for {$3300.00}.
Product: Debt collection

I am writing to dispute the collection account listed on my credit report, which appears to be attributed to ( Security Credit Servic ( Orginal Creditor : XXXX XXXX XXXX ). Upon reviewing my credit report, I discovered this account and wish to formally dispute its accuracy. 

Upon further investigation, I was unable to locate any information about ( Security Credit Servic ( Orginal Creditor : XXXX XXXX XXXX ) in the Nationwide Multistate Licensing System ( NMLS ) database. It appears that they do not hold a valid license, which raises concerns about the validity and legality of their collection efforts. 

Additionally, I would like to emphasize that I have no knowledge of this alleged debt and have not entered into any agreement or contract with ( XXXX XXXX XXXX ( Orginal Creditor : XXXX XXXX XXXX ). The presence of this collection account on my credit report is erroneous and damaging to my creditworthiness. 

It is worth noting that while XXXX and XXXX have listed the account as open, XXXX has reported it as in collections. This inconsistency further underscores the need for a thorough investigation into the accuracy of this account. 

" Under Section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), collection agencies are required to provide accurate information to credit reporting agencies and to investigate disputes from consumers. '' " According to Section 807 of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using unfair or deceptive practices in the collection of debts. '' " Section 1031 of the Consumer Financial Protection Act ( CFPA ) prohibits collection agencies from engaging in unfair, deceptive, or abusive acts or practices in the collection of debts. '' It's also worth noting that if XXXX XXXX XXXX is engaging in debt collection activities without the required license, they may be subject to penalties and legal action under Pennsylvania state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of inquiries below has " Violated '' my Federally Protected Consumer Rights to Privacy & Confidentiality under 15 USC 1681 Hard Inquiries XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX 15 USC 1681 Section 602A : States I have the right to Privacy **15 USC 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account " without my written instructions '' **15 USC 1681c. ( a ) ( 5 ) Section States : No Consumer Rep
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). The account may not be reported as unverified information without providing any supporting information within the legally allowed time range. This is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Hey Equifax, I purchased a car on XX/XX/2022, and currently hold the car note with XXXX XXXX XXXX. 
On my report, however, I show 4 incorrect hard credit checks on that same date. Please remove them as FCRA section 604 allows for same day rate shopping in financing an automobile. 
The incorrect hard credit checks are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX ( no contact information reported for creditor ). 

Please remove these hard credit checks, as this is my second request with CFPB and going on third letter. 

Have a great day yall!
Product: Mortgage

I am a victim of hurricane Irma, and was made aware that mortgage lenders will grant a three month forbearance and place the three months of mortgage payments at the back of the loan. At first, I thought this was a great way to help homeowner 's out during these tough times post IRMA. My mortgage is $ XXXX. When I called OCWEN LOAN SERVICING, they informed me that they would give me a three month forbearance HOWEVER, at the end of the three months, I will have to payback the total FOREBEARANCE amount over a six month period. So, instead of my monthly payment resuming at $ XXXX, my mortgage payment would be $ XXXX for six months. In other words, they help you out of one CRISIS just to put you into ANOTHER CRISIS. PLEASE STOP OCWEN FOR USING THIS PRACTICE. They are hurting homeowner 's that have been devastated by a natural disaster. Ocwen should be fined for using such a policy and ordered to change their practices and policies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2021. I told the credit bureus to investigate every piece of information on the accounts I have listed below. Also, I attached the letter I sent out. I also submitted a complaint through CFPB and still these bureaus refuse to do their job according to the law. 

According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account ( s ) were verified but how is this possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Attached is my recent credit report with the inaccuracies highlighted.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

I deposited a large check at the XXXX branch on XXXX XXXX,2019. Today is XXXX XXXX,2019 and I still do NOT know if the check has cleared! This despite my asking several people at the XXXX, XXXX, and XXXX branches! Incredible! Astounding! Appalling! And they call this a bank?
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information on my credit report. I urge you to thoroughly investigate this matter and verify the accuracy of the repossession entry. If it is found to be erroneous, I request that you take the necessary steps to remove it from my credit report. 

I understand that the FCRA requires you to investigate and respond to disputes within 30 days from the date of receipt of this letter. Therefore, I would appreciate your timely attention to this matter and a written response outlining the results of the investigation. 

Date reported XX/XX/2023 Amount {$18000.00} Date reported XX/XX/2023 Amount {$17000.00} This collection is closed but still on my report, still reporting false and inaccurate information. Dates and amounts are different on each one of my credit reports.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent accounts. 

XXXX FCRA, I expect TransUnion to take action within four business days of receiving this complaint. 

As a victim of identity theft, the following accounts were not opened, made, or initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of these fraudulent accounts. 

Notarized FTC Identity Theft Criminal Complaint # XXXX