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

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to help me with these accounts. Please help me delete these negative accounts on my credit reports : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Fraudulent Activity and Demand for Correction on XXXX  XXXX XXXX credit card I am writing to formally dispute the fraudulent activity on my credit report from XXXX  XXXX XXXX stemming from the unauthorized use of my stolen credit card. Despite my prompt reporting of the theft to the issuing bank and local authorities ( Police Report Number : [ XXXX ], Date : [ XX/XX/2023 ] transunion has failed to correct the erroneous information. Fraudulent Transactions : Demand for Correction : 1. Immediately remove the fraudulent transactions from my credit report. 
2. Correct my credit score to reflect the removal of these transactions. 
3. Provide a corrected credit report to all entities that have accessed my report in the past 12 months. 
Failure to Comply : If transunion fails to comply with my demands within 14 days, I will : Report to the Federal Trade Commission ( FTC ). 
Pursue civil litigation under 15 U.S.C. 1681 ( Fair Credit Reporting Act ). 
Seek damages for negligence, defamation, and emotional distress. 
You are hereby notified that I will seek relief under : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) - 18 U.S.C. 1343 ( Fraud by Wire, Radio, or Television ) - State-specific consumer protection statutes Failure to comply will result in : - Actual damages - Punitive damages - Attorney 's fees and costs - Injunctive relief XXXX XXXX
Product: Debt collection

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX
Product: Credit card

Subject : Request to Reopen Closed Account Due to Fraud and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to respectfully request the reopening of my account that was recently closed. Unfortunately, the account was closed because Barclay had automatic payments set up from a restricted account. Due to unforeseen circumstances, I did not realize this issue as I was actively dealing with a serious case of fraud and identity theft at the time. 

As a long-standing and loyal customer, I have always made it a priority to manage my accounts responsibly and ensure timely payments. The disruption caused by the fraud and identity theft severely impacted my ability to monitor my finances during this period. As a result, I was unaware that the payments were not being processed correctly. 

I have since taken all necessary steps to resolve the identity theft and secure my financial accounts. I deeply value my relationship with Barclay and am committed to maintaining my good standing moving forward. 

Given these circumstances and my history as a responsible customer, I kindly ask for your understanding and request that my account be reopened. Please let me know if there is any additional information or documentation you require to facilitate this process. 

Thank you for your consideration and prompt attention to this matter. I look forward to a favorable response. 

Sincerely, XXXX XXXX
Product: Debt collection

On several attempts I have made notification to Caine and Weiner the alleged debt that they have reported to the consumer reporting agencies was not mine and I asked to have it removed entirely from XXXX, XXXX, and XXXX. By submittal of Caine and Weiner own documents it clearly shows this account is not mine and the dollar amounts in question are not the same which makes it inaccurate. The name is not mine and it appears this is a corporate/company account. Caine and Weiner has failed to comply and has offered no evidence where they had permissible use for my credit file. It saddens me that the credit reporting agencies have not taken better care to ensure what is reported is accurate. I have attached all supporting documents to show my attempts to have this derogatory information deleted from my file as it once was then re-inserted with out my knowledge. Caine and Weiner illegal tactics and practices need to be stopped.
Product: Credit reporting or other personal consumer reports

Transworld System Reported XX/XX/XXXX I moved from XXXX XXXX XXXX  to XXXX, VA end of XXXX in XX/XX/XXXX i receive a bill from my old electric company stating that i owed XXXX dollars, I immediately call the company, and let them know that my services were stopped, before i left in XXXX, so how was i still being billed. i was told by the company to go back to XXXX XXXX  XXXX  and fille a police complaint, because it's possible the person that lived there after me was still using my electric account and that they didnt cut the electric even after i requested it. I then stated that's impossible, because i once own this same company XXXX dollars and they cut my electric off, so how can someone owed them this much without them cutting the electric, i didn't get an answer to that, so i demanded for them to send me all the bills that totaled to XXXX dollars an itemize bill, and they couldn't send me this bill, they sent me a summary of just XXXX dollars, i asked for an itemize bill.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. I am a victim of a data breach, and I did not authorize these accounts or inquiries. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed without delay.

Fraudulent Accounts to Be Blocked and Deleted 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 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 XXXXXX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

15 usc 1681B reasonable procedures states that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

That being experain is reporting accounts that I didnt give permission and that are not accurate! And 15 usc 1681a states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! So all late payments are forms of a transaction I need all these things I want private and that are not accurate weather the debit was sold to another agency which means it was never mines if I wasnt there when it was being sold! Or the accounts are reporting as closed but still on my consumer report! Not to mention all of GAAP principals are being broken!
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXXXXXX XXXX  data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing XXXX  made up for was the joke of a XXXX dollar check on the mail. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns home plus I owed Conns {$3300.00}. They offered a XXXX tax settlement offer for {$2200.00}. I paid this settlement offer on XX/XX/XXXX. Since paying this, Conns has reported to the credit bureaus as Balance increased, Derogatory, and now a charge off. Conns has even sent me a letter stating it was paid off. I have called Conns several times advising the situation and each time, they say it will take 30-45 days for it to correct itself. It has been well over 45 days and Conns reported my account as being charged off on XX/XX/XXXX when in fact this was paid off and in good standing since XX/XX/XXXX.
Product: Mortgage

Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.
Product: Debt collection

My husband and I have had an XXXX XXXX XXXX XXXX for 9 years and have never had an experience like this. We are 2 hard working honest people and not use to dealing with criminals. Some bad people are using stolen credit cards and purchasing products from our company, and had the products shipped to an address in XXXX XXXX, FL that turns out to be a freight forwarding company. The credit cards used are stolen and the owners are not aware of the use till its to late. Orders for our merchandise are processed by Pay Pal. We collect the name, address, phone number, credit card number, CVV number for each transaction and the information is processed by the card holders bank and approved back to PayPal. They approved the purchases in question ( approximately {$6000.00} ) and Pay Pal sends us an OK to ship the products. We then send order information to our suppliers who ship the products to the purchaser. After a few weeks, the REAL Owner of the credit card files a complaint with Pay Pal saying they did not order the product. WHEN THIS IS DISCOVERED A CHARGE-BACK TO US IS INITIATED BY PAY PAL AND THE MONEY IS TAKEN FROM OUR ACCOUNT. The bottom line, is that the Bad People got the products and we had to pay the bill to our suppliers. The products sent to the freight forward company are forwarded on to another address, most likely off shore where the Bad People are picking up the products. The card holder bank that approved the transaction is holding us responsible for the full amount, even though they approved the card with a fake name on the card, different address than the owner of the card. They should have responsibility in this as well, they approved the purchase. We filed a complaint with the FBI and the XXXX County Sheriff ( File # XXXX ) two weeks ago. Got a return call from them saying that the freight forwarding company is a legitimate company and because of that they ca n't ( or wo n't ) do any more. They recommend if we get any more we email the freight forward company and give them the name and they will close that account.
Product: Mortgage

I was approved for a fha home loan thru primary residential mortgage, with XXXX XXXX .working with a realtor through the whole process.we got to the part where I paid for the appraisal. But me and the realtor were questioning the lender about why the closing cost kept changing, ( getting higher ) the second time I questioned him he said oh I meant to call you. The underwriter could not get you approved because of your bank statements. And I need you to send me something in writing saying your withdrawing your request for the loan. that you do n't want it anymore??? My realtor got the approval letter from the lender also. And I just happened to pay XXXX the day before for the appraisal. Sounded fishy to me and the realtor
Product: Debt collection

A Collection account that does not belong to me has been added to my Credit Report. 
Creditor : Credence Resource Management Date added to my Credit Report : XX/XX/2024 I called the creditor to dispute this information, but was told they could not give me any information because it is not in my name. I have never received a debt validation letter. 

Also, my Credit Report was showing other names and addresses not belonging to me. Those have been disputed and removed.
Product: Debt collection

In XXXX, I phone Sam 's Club Mastercard to close my credit card account. At that time, I was not informed that I needed to submit any follow up written letter to close the account. I assumed that the account was closed much like when you lose a credit card. 
Later that year, on the anniversary of my membership, I received a credit card statement with a membership fee of {$100.00}. I assumed that it was in error and ignored subsequent statements because I wasn't renewing the membership. 
In XXXX of XXXX, I received a letter from Synchrony Bank stating that my Sam 's Club Mastercard was in arrears. I contacted XXXX XXXX XXXX to protest and stated that I wasn't going to pay the charge as I didn't want a membership. They stated that I had to have proof that I had called Sam 's Club Mastercard to close the account. This is proof I do not have. 
In XX/XX/XXXX, I wrote XXXX XXXX XXXX asking that they resolve the matter and erase the debt. XX/XX/XXXX, I received a letter from XXXX XXXX XXXX saying that without proof of my closing the account, nothing can be done. 
I am appealing to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested a free copy of my credit report at XXXX, upon receiving this report, I noticed quite a few addresses amongst other that were either outdated or places that I have never lived. I contacted XXXX and Experian to address these matters. XXXX basically indicated they won't remove and/or update the information as it was reported to them and I should contact the companies that provided the invalid and/or inaccurate information. I did advise the agent that according to the FCRA my rights are being violated by them reporting invalid and inaccurate information. I also attempted to resolve the matter by submitting dispute requests on both bureaus websites only to receive information either the same day or next day that the information was verified or updated. In such case I am unsure how an address that I have never resided could be updated or verified.
Product: Debt collection

I checked my credit and I have a delinquency and I was never made aware of any debt that was owed. I had to dig and find out what the debt is for a utility bill at an address I haven't lived at for almost XXXX. I am a service member currently overseas and can only correspond via email, so I found contact info and emailed Sunrise Credit Service requesting more information and informed them I am currently serving overseas and they did not provide any additional information. Now my credit is ruined and will severely affect my chances of finding a place to live when I get home. I can provide any additional information needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX  have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive communicated with ( XXXX, Equifax, and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error, they continue to report this incorrect personal information on my file. Not only is it unfair, but its also illegal. By law, 15 U.S.Code 1681 ( b ) clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. I've had to ask multiple times how each credit agency verified account : XXXX XXXX XXXX  # XXXX. To my dismay, I have received no clear answer. This week I received a judgment in the mail Stating I don't owe the debt. 

Please see in attachment for further documents.
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 were 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 consumers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and ask the4m to verify the information that was on the report from XXXX XXXX  they could not they stated that they contact XXXX XXXX but got no response
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion should be taking steps to help alleviate this issue with XXXX fiasco. They deliberately tried to take advantage of this situation by making it harder to freeze everyones ' credit by selling their own services. This is highly immoral.
Product: Credit card

I am kindly requesting that the late payment remarks be removed and that my account status be updated to reflect on-time payments as agreed.