23daVinci/CFPB_Complaints huggingface dataset:
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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. This debt is NOT mine and needs to be removed immediately from my credit report. 
the account from XXXX XXXX XXXX date opend XX/XX/2024 acct # XXXX that is in collections, and XXXX XXXX XXXX opened XX/XX/2024 acct # XXXX
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. 

XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX, Account # unknown 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, & XXXX continue to report XXXX bankruptcies that they claim to have verified but this is not true the vendor they use known as XXXX stated that the bankruptcies were removed due to them not verifying the information. This is my final attempt to get each consumer agency to turn over the proof they have or remove both of these bankruptcies failure to do so this is legal notice needed by the courts to let you know I will be pursuing my claims in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried countless times to have all three bureaus understand two items. XXXX XXXX XXXX charge off was 7 yrs ago and I paid the account In Full as the check noted. Over 5000 dollars. 
Second I have one student loan payment. They are reporting late payments as x10 for each loan that the payment is disbursed across. This is absolutely ridiculous and unfair and no one seems to care at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account from a company named XXXX was opened on 2018 for {$1000.00} and I didnt do this. I recently found out it was on my Experian while applying for my first credit cards, and due to the fair credit report act received back denial reasons. I was a victim of the XXXX data breach. Maybe this was the cause. On my credit report I barely have a credit history, and there are no signs of other derogatory ( late payments, charge off etc ) to point this to me. This is clearly out of place. This disputing started back last year however because credit repair companies arent the account holders they didnt have to entertain it. I put in a dispute XX/XX/XXXX, and repeatedly sent in documents since then but they claim they havent received all documentations. I know bureaus are currently being sued for making excuses not to solve people disputes and thats not right.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because Experian is reporting one bankruptcy on my credit reportXXXX XXXX ( filed XX/XX/year> ) that I believe is inaccurate and unverifiable. I received a letter from the bankruptcy court confirming they do not provide information to credit reporting agencies, which indicates that XXXX has not properly verified this information. Despite my request for an investigation and removal under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), these inaccurate items remain on my report, negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX on XX/XX/year> under the account number ( XXXX ). 

I AM FILING THIS FTC IDENTITY THEFT AFFIDAVIT TO REPORT 1 FRAUDULENT ACCOUNTS APPEARING ON MY CONSUMER FICO EXPERIAN CREDIT REPORT, WHICH I DO NOT RECOGNIZE AS REPORTED AND WHICH IS THE RESULT OF IDENTITY THEFT AND FRAUD. THIS FRAUDULENT ACCOUNT CONSIST OF A COLLECTION OPENED AT XXXX XXXXXXXX XXXX UNDER THE ACCOUNT NUMBER ( XXXX ). THIS ACCOUNT HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDULENT ITEM BE REMOVED FROM EACH OF MY CONSUMER CREDIT.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I have a collection account that was originally opened and closed in 2018 with XXXXXXXX XXXX XXXX, which was later sold to XXXX XXXX XXXX. The account continues to be reported on my credit report as an active account by both Equifax and TransUnion, even though it was closed in 2018. According to the Fair Credit Reporting Act ( FCRA ), this account should no longer be reported as active and should have fallen off my credit report by now. The account is over 7 years old, and under Section 605 of the FCRA, it is no longer valid for reporting. 

Additionally, the address and dates reported by XXXX XXXX XXXX are incorrect. I have already disputed the information with XXXX, which resulted in the account being removed from my report. However, Equifax and TransUnion have failed to remove the account despite being provided with all necessary documentation. As per Section 1681i of the FCRA, the credit bureaus must correct or delete inaccurate information that can not be verified, and this account information is both inaccurate and unverifiable. 

I am requesting that Equifax and TransUnion immediately remove this incorrect XXXX XXXX XXXX account from my credit reports and correct the false address and incorrect dates associated with it. Failure to delete this account will result in further legal action, as it is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX XXXX EQUIFAX CONSUMER REPORT.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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 that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability is unacceptable in my belief it raises serious concerns about consumers safety.
Product: Checking or savings account

Wells Fargo case number : XXXX and XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX Consumer Financial Protection Bureau , case number : XXXX The person ( XXXX XXXX, Escalations Representative Enterprise Complaints Management Office ) is not investigating the case as per the evidence. His responses ( same representative, BIASED ) is not looking at the facts when deciding the issue. The last response is based XXXX ( c ) of our Online Access Agreement. As per agreement, the bank should have REJECTED my deposit immediately, but they accepted the check, and then 9 months later a fraudulent reproduction of the check/endorsement was submitted at another bank, also without an endorsement as stipulated in section 9 ( c ), and Wells Fargo decided to return the money to the institution that issued the check instead of denying the return.

Wells Fargo has a FRAUD issue and it does not want to PUBLICLY acknowledge that someone had access to my online deposit and later used the front part of the check with a different endorsement on the back to redeposit at another institution. 

Wells Fargo is willing to spend thousands of dollars in personnel and time to dispute their error, instead of doing what is correct, and returning the {$200.00}.
Product: Consumer Loan

I purchased a 2013 XXXX XXXX from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan, which Santander purchased from XXXX XXXX Bank immediately. I was never offered a carfax during the purchase and after purchasing XXXX on my own, found out the vehicle was XXXX of a fleet of rental cars. Under the federal " Lemon Law '', this information should of been disclosed. I have had nothing but problems with this " junk ''. I tried taking the vehicle back to the dealership only to be deceived several times. I even tried trading the vehicle only to find out that I owe way more on the vehicle than what it 's worth. I simply CAN NOT afford this vehicle.
Product: Credit reporting or other personal consumer reports

i am currently not in repayment yet for mohela and yet. im also XXXX XXXX XXXX. they are adding interest to my account for 2 separate loans, i was supposed to owe only XXXX and yet they raised it up to XXXX and for another one XXXX to XXXX and another one. This is unacceptable and not ethical im not in repayment yet and i still plan to go to school these fees/ add ons need to be waived. they also are not contacting me back
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX Equifax reported on my credit XXXX XXXX. of Health for late child support payments, I also in XXXX, submitted a dispute stating that I had no owed nor late payments with XXXX and account was closed as of 2015. I also sent via fax and upload a Certified letter from the XXXX Credit branch backing my claims. XXXX came the account was completely removed, and stayed that way until recently now there are two duplicate accounts showing for the samething. I contacted Equifax about the error and made a dispute against the duplicate also a week ago but the original account has been put back on my report, and its been four months since I disputed it, I just want to get this all resolved so I can move foward.
Product: Checking or savings account

Capita lOne Bank On XX/XX/2021, I purchased, an item from an XXXX account an ORDER NO. XXXX for {$180.00} thereon XX/XX/2021, thereafter that I had returned the item as so stated herein this legal notice after, I had returned, the item XXXX had refunded me the money on XX/XX/2021 back into my Capital One account, card ending in XXXX therefrom that on XX/XX/2021, a Capital One officially had issued me a provisional credit for {$180.00} that was unrequested, by myself so as a result Capitol One has so stated that the funds in the amount of a {$180.00}, will hereby be deducted from my account card XXXX on XX/XX/2021, unreasonably when in fact the money should not be deducted from my Capital One account.
Product: Mortgage

On XXXX XXXX, 2017, XXXX XXXX Loan License mortgage loan officer who worked with AnnieMac Home Mortgage located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX with office number : XXXX ( XXXX ) XXXX. She called me and e-mailed and offered me refinancing my property to save my mortgage payment. After we talked over the phone, she e-mailed me requirements to submit to their company directly to her. My partner and I submitted our documents together. Our documents contains our personal information, financial information, tax records, from our social security to our pensions together were all submitted to her. After completing submitting all the documents, I never hear from her anymore. I called and left messages and emailing her and still no response from her. After couple of days, I called back again and the sales department told me that she was no longer working there and he told me, the manager will be calling me. I never received any calls anyone of them until now. Just our concerned was, " where are our documents ''? Are they safe? Are they with XXXX XXXX? Despite of my calls and e-mails to this company, nobody will email me back at least will tell us what was happening? They claim that has been in business for 20 years helping families, but it seems that they are scammers getting personal financial information to innocent family like us. This company should be flag giving warning to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Title loan/personal loan ( not sure at this point ) .. Paid off, called local office no balance, company changed names/mgmt from XXXX XXXX to Mariner Finance.. You cam and can tget anyone to answer their phones and forced to leave message on random general voicemail. Now all of a sudden it sen to collections by Mariner to Colection agency called XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX purchased 4 defaulted credit card accounts in XX/XX/XXXX or XX/XX/XXXX that were defaulted and written off in XX/XX/XXXX. They have sued me repeatedly for $ XXXX in court over these old accounts and now falsely damaging my credit with false information show the open dates as XX/XX/XXXX which is incorrect. I went in default in XX/XX/XXXX during a custody battle over my grand kids in my custody through XXXX. I am divorced and in college trying to rebuild my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictom if identity theft and have been arrested several times and I have several more warrants for my arrest and dont know what to do, please help me, this is out of comtrol, and I was also placed on probation for other crimes i did not commit I can not believe this is happening to me and my family!!! Please contact me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau Attn . : Consumer Relations XX/XX/XXXX To Whom It May Concern, On or around XXXX XXXX, I wrote to the three major credit bureaus ( XXXX, XXXX, Experian ) requesting an investigation into items that I believed were INNACCURATE, OUTDATED OR OBSOLETE. To date, I have not received a reply from them, or any results, verifications or validations of an investigation was completed. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 

Since this is my FOURTH request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I sent letters to them on many occasions asking that these items be investigated and that verification and validation be sent to me they have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : I legally do not have a contract with them, and they have illegally obtained my personal identifying information without my consent. NO CONSENT IS IDENTITY THEFT! I also demand that they prove they own the debt they are trying to collect. I demand the forward flow agreement and the contract between them and the original creditor. And if my request can not be completed accurately and in a timely manner these items be deleted from my credit report immediately! According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) I have a right to accurate information reported on 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 I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Vehicle loan or lease

On XX/XX/23 I sent an email to Westlake advising Id lost housing and was living in my car. They previously responded immediately when I emailed. This time they didnt. I left to go to Georgia briefly. They took the car out of the hotel lot. They demanded over {$1000.00} then {$890.00} which I paid. I repeatedly asked IF I PAY THEN I WILL CALL AND GET THIS CAR AND WAS TOLD YES. I paid. I called the number and no one answered. Again I called repeatedly. Then was told to call someone else, a tow company. Those people said they didnt have a release. Then said they did but I had to wait til Wednesday at XXXX XXXX to pick up car. I said all my clothes and medicines and all that I have is in the car and I am XXXX and here alone. They said too bad. 

Westlake had been calling me with spoofed area codes of XXXX every hour virtually and also lying repeatedly about extensions or being rude and saying horrible things, Ultimately they committed fraud.
Product: Credit card or prepaid card

I called Capital One today to find out why I as being charged Interest Charge : Cash Advances when I have not taken a cash advance in so many years, I can not even remember the last time. I spoke to XXXX who credited me for the current charge of {$53.00} on my statement, but she could not credit me for any previous statements. All she could see is that Ive been charged approximately {$50.00} every month for interest charge : cash advances since XX/XX/2018. It could have been happening even longer than that as her system could not go past that date. 

As a result, I have closed my account. Ive been a GM card member for over 20 years. To learn that Capital One has been fraudulently charging me interest on cash advances I am not taking is disheartening to say the least. Then, to not even be offered an investigation in to these prior charges and being credited for them speaks volumes to their customer service.
Product: Vehicle loan or lease

I have been trying to clear this collection up for some time. i purchased my car in XX/XX/XXXX. in XX/XX/XXXX i was hit by a uninsured motorist. 

While my car was in the shop Danco Financial repossess my car as i had not been paying on the car while in the shop. they subsequently sold the car and charged me for the residual. 

In XX/XX/XXXX, i recieved a 1099 for " cancellation of debt in the amount of {$11000.00} which i had to include as income when i filed my XX/XX/XXXX returns. as a result i had to pay IRS for income i never received. 

Although this debt was cancelled, it is still showing on my XXXX  credit report as {$15.00}, XXXX balance i continue to try to get this corrected. my last attempt was XX/XX/XXXX when i called them. they claim they do not show any record of a charge off. 
I put in a dispute with XXXX, however they were told by Danco that i still owed it so it was not removed, I am reaching out to CFPB because Danco is trying to make me pay twice for the same debt.. 


thank you for your time