23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on Monday, XX/XX/XXXX and started a dispute process to have the XXXX XXXX XXXX # XXXX to have it REMOVED from mine and my wife 's credit report as it has been confirmed that the account was charged off XX/XX/XXXX. When I received my dispute completion it shows Experian placed the account as a charge off for XXXX & XX/XX/XXXX! This is absolutely incorrect! It has already been confirmed by XXXX as charged off XX/XX/XXXX. To me this means the Experian reps did not verify the account and simply added these marks which also caused a drop in my score! This is ILLEGAL and is now affecting my purchase of my family 's new home set to close in XXXX.
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 account 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. 

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$14000.00}. 
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 4 business days after the date of receipt. 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. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX for inaccurately reporting late payments on my credit report. This is a direct violation of 15 U.S. Code 1666, which mandates that all information on a consumer report must be 100 % accurate, verifiable, and complete. Additionally, the credit bureaus ' failure to adhere to the XXXX XXXX guidelines further constitutes noncompliance. 

1. Inaccurate Reporting : - The credit report dated XX/XX/year> from [ EQUIFAX ] contains inaccurate late payment entries for the account ( s ) under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are incorrect as I have never been late on these payments. 

2. Violation of 15 U.S. Code 1666 : - Under 15 U.S. Code 1666, the credit bureaus are required to ensure that all reported information is accurate, verifiable, and complete. The inaccurate reporting of late payments violates this statutory requirement.

3. Noncompliance with XXXX XXXX Standards : - The reporting of these late payments does not comply with the XXXX XXXX standards for credit reporting. Accurate and standardized reporting is crucial for the integrity of consumer credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at wits end with the credit bureaus- especially XXXX. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact XXXX. I have called, sent letters, filed complaints with cfpb, filed complaints with BBB. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access XXXX. I had a new credit card get cancelled by experian without contacting me first. XXXX  assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are XXXX  XXXX-XXXX-XXXX,   transunion XXXX-XXXX-XXXX then XXXX-XXXX-XXXX, equifax XXXX-XXXX-XXXX.
Product: Mortgage

Requested a mortgage modification several times the last past year with my mortgage servicer Select Port Folio. They have been unwilling to work with me to save my home from a property foreclosure sale. There is a sale date set for my property XX/XX/2019. 
I've recently submitted another request for mortgage modification Please assist me with retaining ownership of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time. XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The XXXX is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Provide documentation that the XXXX has not abrogated my rights by reporting false information, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian.com which is one of the big three credit bureaus. I purchase Experian membership which is {$24.00} a month which shows you everything on all three credit bureaus. I seen my student loans accounts closed on my Experian account for all three credit bureas closed instead of open. They don't suppose to be closed and there reporting positively. I contacted XXXX  and XXXX both told me the accounts are open and seen them for myself even the one on Experian was closed that suppose to be open as well. I turnaround called the two student loan companies which is XXXX, XXXX both told me the loans are still open in great condition and nothing has changed. Experian told me it could be a error in the membership but its been weeks and ever got back to me after I sent them over the documents and nothing never got fixed.
Product: Money transfer, virtual currency, or money service

Iam 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 and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Been making payments to music getaway for the amount of {$560.00} on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 i have been filming disputes claims with chase and have been denied
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act, Spring Oaks Capital LLC, XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

In XXXX of XXXX I was contacted by Pioneer Credit Recovery stating that held a student loan in my name but it was in default. They stated that they were handling my account that previously been held by the US department of Education and that the remaining balance was close to {$15000.00}. Within 30 days, without prior notification, nor an opportunity to dispute began garnishing my wages. First and foremost, the biggest issue that I had then and even more now is th reviewing my data report recently at XXXX The Work Numbers website I was able to see that the organization that requested information about my employment information was Sallie Mae, in XXXX of XXXX. I have never had a student loan with Salie Mae or any one else!! I completed my education and received my diploma from XXXX XXXX University in XXXX. Upon requesting documents to support their claim I was sent multiple copies of the same bogus forged and falsified documents that I have never heard of nor seen prior to that day! After requesting any other documentation to support the debt owed, In a nutshell they do not!! Also, I Sallie Mae was never mentioned. Pioneer Credit Recovery Inc seems to believe without doubt that, the debt is legitimate debt. They dont have any official documents to prove that the debt belongs to me They havent proven anything whatsoever but feel that they are within the guidelines of the law!!! Its it is bogus fraudulent Unauthorized documents that someone has falsely obtained and presented as legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the unfair overdraft fees I was charged, as detailed in your recent order against the institution dated XX/XX/XXXX. I have been a member of Navy Federal since XXXX and have been subjected to numerous overdraft fees during the period from XXXX through XXXX. 

According to the Bureaus findings, Navy Federal engaged in unfair practices by charging overdraft fees on debit-card purchases and ATM withdrawals when my account had insufficient funds at the time of transaction settlement, despite having sufficient funds at the time of the transaction. Furthermore, Navy Federal imposed overdraft fees due to delays in posting credits from person-to-person payment networks, misleading me into believing that funds were available for immediate use. 

These practices were not only deceptive but also in direct violation of the Consumer Financial Protection Act of 2010. The Bureaus order mandates Navy Federal to pay at least {>= $1,000,000} in consumer redress, and I am seeking restitution for the overdraft fees unjustly charged to my account during the specified period. 

I kindly request your assistance in ensuring that Navy Federal complies with the order and reimburses me for the overdraft fees I incurred due to their unfair practices. Please let me know if you require any additional information or documentation to process my complaint. 

Thank you for your attention to this matter and for your continued efforts to protect consumers like myself from unfair financial practices.
Product: Checking or savings account

I opened an HSBC Advanced Checking account was told before I opened it that I did qualify for the {$350.00} bonus. The bank closed out my first CFPB complaint claiming because i had a credit card with them already, i was disqualified, so they closed out my CFPB complaint. 

I am opening up another complaint because they flat out lied!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX XXXX # XXXX $ XXXX ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX [ Date ] G2 Risk Solutions XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Re : Cease and Desist Unauthorized Access, Reporting, and FCRA Violations To WhXXXX XXXX XXXX XXXXoncern, I am writing to formally demand that G2 Risk Solutions immediately cease and desist from accessing, reporting, or disseminating any information related to me or personal information. Under the Fair Credit Reporting Act ( FCRA ), G2 Risk Solutions does not have a permissible purpose to view or report any information about me for the following reasons : G2 Risk Solutions has not extended credit to me. 
G2 Risk Solutions is not acting as a debt collector on my behalf. 
I have not applied for employment with your company. 
G2 Risk Solutions is not a government agency with a statutory right to review my personal information. 

Additionally, G2 Risk Solutions has violated the FCRAs time limit for verification of disputed information. I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, and I sent a formal dispute email on XX/XX/year>. Under the FCRA, you are required to investigate and respond within XXXX days, which has now elapsed, constituting a violation of the FCRA. 

The FCRA requires accurate reporting of information. However, G2 Risk Solutions can not verify that the information they have reported is accurate, as there are multiple individuals with the names XXXX XXXX and XXXX XXXX in the area where I reside. Therefore, G2 Risk Solutions, under penalty of perjury, can not verify that the information they are reporting pertains to me, and by continuing to report this inaccurate information, G2 Risk Solutions is in further violation of the FCRA. 

According to XXXX XXXX XXXX ( G2 Risk Solutions ), XXXX failure to properly verify bankruptcy information led to legal consequences, and I believe G2 Risk Solutions is similarly in violation in my case. 

I formally request the removal of any and all personal information you have on file about me from your system. I also demand the removal of any inaccurate information you have reported to XXXX regarding my credit profile. 

You have XXXX days from receipt of this letter to remove the information from your systems and any reports to XXXX. If G2 Risk Solutions fails to comply with this demand, I will pursue all available legal remedies to enforce my rights under the FCRA. 

Please provide written confirmation that you have ceased accessing, using, and reporting any information about me, that all inaccurate information has been removed, and that my personal information has been purged from your system. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet XXXX of everyday life, a sudden joXXXX XXXX XXXX XXXX : 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 XXXX XXXX XXXX XXXX With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identity. Yet, in the midst of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. Equifax has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

My Direct Deposit was sent XX/XX/2018 to XXXX nothing has changed, and nothing is wrong with my account. I have continuously contacted Netspend and they continue to tell me yes they have a scheduled direct deposit available for Netspend since XX/XX/2018 - It is XX/XX/2018 and they are telling me that XXXX has issues, and has not released funds to them, and they can not release the direct deposit funds, and there is no further explanation and I have no paycheck, no explanation no money and I have bills and medical things to handle and am very scared. This has to be a Theft of Services and I need my paycheck. XXXX Check # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.
Product: Debt collection

Lendmark is reporting that I owe  XXXX  for a loan. My collateral was a  XXXX  that my husband got in a divorce decree ... he took on that debt as well. I also filed bankruptcy in   XXXX   and this was included. I never owed  XXXX
Product: Debt collection

On XX/XX/2020, I contacted Grant & Weber, a collection agency, regarding a debt owed to XXXX XXXX XXXX XXXX for a personal loan. I negotiated a settlement with Grant Weber and paid the amount immediately. Grant Weber sent a settlement paid in full letter to confirm the debt was paid. They updated my credit report with inaccurate information 1 ) That my payment made was {$240.00}, I paid over {$500.00}. 2 ) That I have a remaining balance.