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

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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: Money transfer, virtual currency, or money service

I am writing to normally 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 zelly numerous times, and reporting discrepancies, my financial instituion and zelle failed to investifate 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: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes requesting Verification of Debt with the credit bureau on a 3rd party collections agency reporting inaccurate information on my credit report. The credit bureaus did not do a full investigation and send proof that the debt belongs to me like I asked. Now they have sent me letter stating they will not re-investigate debt anymore. I have contacted the collection company and all they send me is a invoice. I still have no proof of the contract with my signature or bank transactions showing I did not pay. I want proof and the credit bureau simply just state account has been verified. The XXXX system is not a true form of investigating a validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is about Experian. I have tried many times to contact them by phone to remove an existing dispute from my credit. I have called at least 6 different phone numbers and none give the option to reach a person. I believe this company is actively trying to avoid speaking with consumers. I was able to reach XXXX and XXXX within 20 minutes and resolved my issue but Experian seems to want to avoid speaking with consumers and I believe this is abuse and neglect. My issue CAN NOT be resolved with an automated system, but I believe they are not interested in allowing someone to speak with me unless I sign up for the credit services.
Product: Checking or savings account

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, My son, XXXX XXXX, with whom I have a joint account, contacted me something about overdraft to cause an alert and check my accounts online. The overdraft protection was performed to our joint account. I checked my account ending XXXX. I found two overdraft protection which went to accounts ending XXXX and XXXX. Both transactions were considered under the term of overdraft protection. However, I found out 2 transactions, which were deduced {$30.00} twice. The descriptions of one transaction were overdraft transfer hold to account # XXXX and another one was Debit/hold on XX/XX/20. I can understand overdraft transfer hold to acct # XXXX ; however, my account XXXX should have overdraft protection, instead of overdraft alert, because of combined tiers of accounts. Therefore, this charge of {$30.00} should be void. And another {$30.00} charge, which description was debit/hold on XX/XX/20, is honestly unclear ; because I did not use debit card, and this account ending XXXX is a saving account not checking account. And my account ending XXXX has pending credit {$30.00} on XX/XX/20, which I do not know how to understand in total. I just need your explanation on entire transactions written above. 
Sincerely,
Product: Credit card

Fraudulent cards was posted to this account and when I called to tell capital one they never removed the charges
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

{$710.00} amount midland credit been trying to dispute this as I dont think owe this company
Product: Mortgage

Ditech misplaced a payment, in XXXX. In the meantime they charged me {$290.00} late fees over 7 months. But mind you my payments were paid on time each month. They credited me {$230.00} for these late fees. Where is my other {$64.00} that I was wrongfully charged? 
And due to Ditech thinking I was paying late each month, they took any additional principle paid and added it to interest. So they have managed to take over {$350.00} of my money that they did not have a right to. 
Another problem is they had my street address on my statements, and we do not get street mail delivery, but no one could try and find out why these statements were getting returned. So I got no notice of any thing. 
They have since sold my mortgage to some one else and I have no idea who because I have not gotten any notice. I asked them to email a copy and they have yet to do that. I do not know who to send my mortgage payments to. 
They refuse to do anything to help me and went so far as to have a supervisor hang up on me.
Product: Student loan

Navient continuously calls me from many numbers throughout the day, I have tried to setup payments with them that fits my income. I have talked to them numerous times and every representative is rude and not willing to listen. Navient calls my personal cell at least 8 times a day even after XXXX which is business hours. Navient also continue to hit my credit report with inquiries causing my credit to continue to decrease. One of the Numbers ( XXXX XXXX XXXX.
Product: Mortgage

A complete financial package was submitted to Caliber beginning on XXXX/XXXX/XXXX. Caliber has an unreliable facsimile as it has not received several faxes from our office in which we have confirmation of fax delivery beginning with the initial submission. Caliber did not allow the borrower 's legal counsel authorization to speak even though XXXX XXXX of XXXX XXXX XXXX XXXX is the attorney of record in their foreclosure and after repeated attempts of faxing Written Authorization to XXXX. XXXX stated they did not receive our authorization for over a period of a month prior to allowing the borrower 's legal counsel authorization to speak on the borrower 's behalf. After repeatedly faxing the Notice of Representation to Caliber. Caliber insisted they did no receive it on XXXX/XXXX/XXXX per Representative XXXX # XXXX, XXXX/XXXX/XXXX Per representative XXXX ID # XXXX, XXXX/XXXX/XXXX XXXX id # XXXX, XX/XX/XXXX- Closed for XXXX XXXX, XXXX/XXXX/XXXX No authorization was received until XX/XX/XXXX. We have had similar incidences with Caliber not receiving documents faxed on behalf of the client with confirmation ( hereto attached ) in which Caliber states they have never received it and thus closed out the borrower 's request. Caliber 's unreliable fax is being used as an excuse to not review the borrower 's request for a loan modification and there faulty fax is preventing the borrower from being reviewed. Caliber has continued to close the file for incomplete documents but has not provided what documents are needed rather verbally or in writing. The missing documents letter ( Hereto attached ) states the file was incomplete but does not advise the borrower what documents are needed. The file is closed sooner than the 30 days allowed for providing missing documents. The borrower has submitted another complete financial package to caliber and request for caliber to review the financial package the borrower has submitted since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against SYNCB XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! : - ) The previous XXXX with {$1700.00} in collections involving a ( n ) XXXX XXXX student loan and a ( n ) written off/charge off credit card, in addition, approximately XXXX hard inquiries erased. Use the modulator and increase the credit score on the Experian to correct given the deductions. Please do correctly, I do not like having to complain, okay. 
Also, the XXXX sent a ( n ) Experian deletion letter that was never indicated on my Experian.com screen. the XXXX is to be deleted entirely from the credit report. 
I'd like the credit score to increase given the previous data and erasures and deletions. I do not want a ( n ) XXXX on my credit score after the previous data included the XXXX with all the baggage. The entries are clean so increase the score and indicate credit matches within Experian please. XXXX XXXX XXXX XXXX 
Thank You! : - ) Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I discontinued service with XXXX XXXX ( original creditor ) in XXXX XXXX. XXXX XXXX made no attempt to contact me about a past due balance prior to selling the account to Associated Credit Service, a collection agency. I did not become aware of the debt until noticing the collection account for {$340.00} on all three of my credit files. Associated Credit did not inform me prior to posting the derogatory information in my credit files. According to the date listed in XXXX, the collection information was posted over 60 days ago with no contact from Associated during that time. I offered to pay the balance to XXXX XXXX if they could remove the collection but was told they could do nothing about it except updating the account as paid however XXXX XXXX can remove the negative information. XXXX XXXX claims that they sold the account off to Associated and are no longer responsible for any collection activity. 
I paid the {$340.00} balance to Associated Credit and asked that the negative information be removed a second time. Again my request was denied and I was told that XXXX XXXX would need to take action. 
The account they are collecting for was included in bankruptcy filed in XXXX XXXX and discharged XXXX XXXX. It is somewhat a grey area weather or not the balance was even collectable as at the time the bankruptcy was filed a balance was owed on the account but payments were continued to maintain electric service. A new account number was never issued.
Product: Vehicle loan or lease

As of XX/XX/XXXX of XXXX i had went to XXXX XXXX XXXX to purchase a vehicle. In wich i had entered in an agreement after seeing a car that i had in mind to buy but was sold to someone else. I had little to no understanding of my contract terms agreement an or finance As they rushed threw the paperwork deceptively. The company in fact have used my lack of knowledge to put me in contract with third party 's. My car broke down costing me time at work an they stuck me with bills as they misrepresented a limited warranty an purchase agreement the company had me come out of pocket for insurance and unlawful down payment amongst other factors. As of a month ago i started educating myself realizing that i have been apart of a scheme of identity theft reporting fair credit down payments non disclosers and more. Realizing i am one of the victims in the XX/XX/XXXX XXXX XXXX XXXX XXXX it was time i exercised my rights. An so i Revoked Power of Attorney XX/XX/XXXX notarized and sent certified. As of XX/XX/XXXX I exercised my right to rescission and notarized my Rescission and sent certified. And also submitted an Affidavit of Truth XX/XX/XXXX notarized and sent certified. I was not giving any knowledge on my rights to rescission and that's where it started an it does not help that my signature was copied an pasted threw these agreements. It is very predatorial and unlawful costing me thousands and my health to decline because of the stress of losing my job because of lack of transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX  AccountNumber:XXXX Delete this account. 
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : Inquiries : 1. XXXX/XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020 I called Wells Fargo to check my account balance ; this is the only way for me to do so without visiting an ATM as I do not have a smartphone or personal internet access. I was informed by a representative that my account did not have any available funds, and was told by the representative that they would call me back shortly and I could receive more information. The representative did not call back and neglected to collect or provide any information. 
Later that day, I used a friend 's internet browser to sign into my Wells Fargo account. This revealed a negative balance of {$1100.00}. I immediately turned my card off through the security options under my account. I reviewed the transactions history to determine when fraudulent charges began and concluded my card had been stolen on XX/XX/2020. 
The following day, XX/XX/2020, I called Wells Fargo to report my card stolen ; the representative deactivated the stolen card and issued a replacement card to be mailed. I was then forwarded to the Wells Fargo Claims Assistance Center and filed a dispute for all transactions between XX/XX/2020 and XX/XX/2020, totaling 56 transactions and {$3200.00}. The claim was denied on XX/XX/2020 ; they determined that because the transactions were made using my card and my Personal Identification Number ( PIN ), they were all made by either myself or  someone I gave permission to. 
I received the letter of denial the day of this complaint, XX/XX/2020. I called the phone number on the letter and requested to be sent all documentation Wells Fargo used in their decision to deny my claim. I was further informed I would have to provide my own preponderance of evidence that Wells Fargo did not collect to have any chance of the charges being reconsidered. Wells Fargo would not take any further action on its own accord in this matter. 
After disconnecting with the bank, I contacted the hotel where a large portion of the total fraud value occurred. They informed me their policy required a separate form of identification be presented at check in. Based on this I filed an identity theft report with the Federal Trade Commission. 
Looking into the email associated with my Wells Fargo account, I did not receive a notification of my balance reaching zero or under until XX/XX/2020. I also received an email that my card had been declined on XX/XX/2020, after it was stolen, due to an incorrect PIN being entered. Further, on XX/XX/2020, I received an email that my card had been declined for an attempted charge of {$76.00} exactly 10 minutes after I received an email confirming that my card had been turned off as I selected when viewing my account online. 
I am now compiling multiple documentations in an attempt to present what Wells Fargo will accept as a preponderance of evidence. Currently these include the emails attached in this complaint, my FTC identity theft report, and this complaint reference number at its submission. I will further be collecting a formal police report and making complaints with the Office of the Comptroller of the Currency and the state 's Attorney General.
Product: Debt collection

A debt collector has placed the same collection account on my credit report 3 times. This is seriously affecting my credit score! 

Derogatory Account Reported By I.c. System, Inc Reported On XX/XX/2020 ( also reported in the XXXX, XXXX ) Account Balance {$390.00} Each time they change the amount to make it appear as a new account!
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, This letter is a formal complaint that you are reporting inaccuracy and incomplete credit information. 

XXXX XXXX XXXX ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure tp positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. ONEMAIN In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigqtion. Be advised that the description of the procude used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX, XXXX