23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

So took irs check in to bank of America on XXXX told come back next day get XXXXXXXX XXXX then said could release any money till XX/XX/XXXX then again XX/XX/XXXX will XX/XX/XXXX came could get on online account had locked it but already had my money since XXXX from irs told they check be sent back was lie already had money in my account then told fraud was lie then said couldn't id me. Then said send cashiers check for the money account be closed then call back XXXX said froze my account was send cashiers check because send back irs then call again told it was be investigation still my money as of XX/XX/XXXX whole month just lie after lie told need my money have bills kids have XXXX rents do getting kicked out all want my money have mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) XXXX XXXX  {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) XXXX XXXX XXXX {$22000.00}
Product: Credit reporting or other personal consumer reports

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Debt collection

Person called about debt, asked about payment plan said they needed my employer first and a down payment. 
Threatened to take me to court in voicemail but when I called I was told it was already at the sheriffs office and been filed and nothing I could do but wait for a court date. This was the second voicemail. The letter was dated XX/XX/XXXX I called debt collector on XX/XX/XXXX and debt collector told me it was filed on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - -- - Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - -- - Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Consumer Finance complaint previously with XXXX XXXX  regarding account XXXX. They responded and stated they would have the account removed from the credit bureaus, but when I check my XXXX  report the account is still showing.
Product: Credit reporting or other personal consumer reports

15 U.S CODE 1692g - VALIDATION OF DEBTS.

15 U.S CODE 1681I PROCEDURE IN CASE OF DESPUTE ACCURACY. 
XXXX & XXXX XXXX EXPERIAN DID VIOLATE MY CONSUMER RIGHTS BASE ON XXXX FCRA DECLINING TO RESPOND TO ME REGARDING THE VALIDATION OF THE DEBTS AND INACCURATE REPORTING FOR THE FOLLOWING ACCOUNTS. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX XXXX # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 
XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY. 

XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT SOLD TO A THIRD PARTY COLLECTION AGENCY AND REPORTED AS OPEN / PAST DUE AMMOUNT THIS IS INACCURATE REPORTING AND MUST BE DELETED IMMEDIATLY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX5 XXXX XXXX  To : SageStream , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit reports are showing a LARGE list of accounts which are all student loan related. 
The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says XXXX When you look at terms they list XXXX per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account? 

There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports.

XXXX  ( report confirmation XXXX ) TransUnion ( File number XXXX ) XXXX  ( Report number XXXX ) I have highlighted the Transunion report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX representatives twice assured me that they removed late fees on my account. Instead, XXXX XXXX   reported my account as delinquent, damaging my stellar credit score.
Product: Debt collection

Is unknown debit, I do not have any knowledge about this item in my credit. 
I am fraud victims on my bank accounts. My account is hacked since 2016.
Product: Mortgage

United Mortgage Wholesale has not responded to our request that they re-calculate the escrow analysis for year XXXX  based on the tax assessment from XXXX XXXX Georgia. at present we are paying {$6700.00} for tax year XXXX our New tax bill for Property tax for XXXX is {$4900.00}. United Wholesale has not changed the escrow for XXXX therefore they are increasing our Mortgage Payment from {$3200.00} to {$3900.00} starting XX/XX/2023 -this is unjust and unfair. I have sent ( 2 ) letters and spoke with United Wholesale Mortgage, They are demanding that we pay {$5300.00} immediately or they will increase our mortgage payment by {$660.00} dollars- My family will be in foreclosure if this travesty continues to happen.. 

Help XXXX
Product: Mortgage

I took out a reverse mortgage in XXXX and everything was going well until I was unable to pay my property taxes. Wells Fargo paid my XXXX property taxes in the amount of {$710.00} ( I rounded the amount to the nearest dollar ). I received a letter two months ago stating I have 180 days to pay back the money or they are going to foreclose and put me out of my home. I am XXXX and in a lot of debt because my bills are greater than my income. I ad XXXX. I am widowed since XXXX. Please tell me what can I do to keep my home I have lived in since XXXX. Just please help me keep my home! Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that XXXX XXXX is still reporting on my credit report even though the company stated they would remove it from all 3 credit bureaus. Please remove immediately. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit report. 
After reviewing my credit report, I noticed several hard inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score and are a matter of great concern.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under specific circumstances, such as in response to a court order or with the consumers written permission. As I did not provide authorization for these inquiries, they are in violation of the FCRA. 
The unauthorized hard inquiries I am disputing and requesting to have removed are as follows : 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX -XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX VIA DEALER ( FINANCE ) - XX/XX/XXXX 7. XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX VIA DEALER ( FINANCE ) - XX/XX/XXXX 10. XXXX XXXX VIA DEALER ( FINANCE ) - XX/XX/XXXX 11. XXXX XXXX ( FINANCE ) - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX XXXX - XX/XX/XXXX I request that you investigate these inquiries and provide written confirmation that they have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes. 
Enclosed with this letter, you will find copies of my identification and a copy of my credit report with the disputed inquiries highlighted for your reference. 
Thank you for your prompt attention to this matter. Please contact me if you require any further information or documentation. 
Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion, and XXXX  credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion and XXXX credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my XXXX, Transunion and XXXX  credit report. 

4. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

5. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report.

7. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

8. The inquiry was not authorized XXXX XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

9. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

10. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

11. The inquiry was not authorized XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

12. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

13. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

14. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

15. The inquiry was not authorized XXXX Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 

16. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XX/XX/XXXX Please remove it from my credit Transunion report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. They are all non-permissable inquiries that I did not authorize in writing, It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a  ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Vehicle loan or lease

I am writing to file a complaint regarding a debt collector who has failed to provide debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and has not issued a 1099-C after the alleged fraudulent debt was written off. 

On [ Date ], I received communication from [ Debt Collector 's Name ] claiming I owed a debt for [ Amount of Debt ]. However, I believe this debt is fraudulent and was not incurred by me. I have requested, in writing, debt validation from [ Debt Collector 's Name ] in accordance with the FDCPA ( 15 U.S.C. 1692g ). Despite my request, they have not provided any documentation or verification of the alleged debt. 

Furthermore, the debt appears to have been written off by the creditor as uncollectible. Under IRS regulations, when a debt of {$600.00} or more is written off, the creditor is required to issue a 1099-C form, which reports the forgiven debt as income. As of today, I have not received such a form. 

Please investigate this matter, as I believe the debt is fraudulent, and the debt collector is in violation of federal law by failing to provide both the requested validation and the 1099-C form
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I ask for a fraud alert to be placed because someone with a women name and in Florida was using my info for credit. Now on XX/XX/XXXX happened once again but this time someone named XXXX XXXX, and with a residence in XXXX!!! I live and have lived in XXXX  and have XXXX ID and driving license ONLY. Apparently the 3 major bureaus are not doing their job properly and people are still committing fraud, using someone elses personal info and getting whatever their intentions are. 
I kindly demand to XXXX XXXX inquiries, Equifax XXXX  inquiries and XXXX XXXX inquiries, to remove the all those unauthorized and fraudulent inquiries that I never did and when the fraud alert was in place.
Product: Credit card

I got pre-approved for multiple credit cards by Capital One and I chose one amongst those to fill out an application. I got denied that very minute. This whole pre-approval technique is one big scam by credit companies. If pre-approval never guarantees approval why is it called Pre-approval? This is so manipulating and I don't see how this is legal in our country. They try to put a soft pillow under your head by saying if you fill out this application you will get a hard inquiry because you getting pre-approved when they are not intertwined and only a mere reflection. I got a hard inquiry on my credit report when I was given multiple cards to choose from as I was so-called " pre-approved '' How is this legal? Someone, please explain to me how it's legal to trick customers into filling out a credit application knowing the pre-approval process doesn't guarantee anything. This is so wrong. The name itself is already misleading. I want my negative credit remark to be removed from my history. I would have never applied if I knew pre-approval doesn't guarantee anything. Why is this program even in the process? Makes no sense. Can someone stand up for us? Stop this scam
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX, In account # XXXX XXXX XXXX XXXXXXXX account # XXXX 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 a account without my written instructions
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 and transparency is unacceptable and raises serious concerns about consume safety.
Product: Debt collection

In response to the previous complaint First of all that is not accurate you are in fact reporting it as paid as proof by my documentation provided by XXXX when it should have been removed. 

Secondly, the documents have already been provided to you via certified mail that prove there is NO DEBT and will not be provided again. 

Thirdly the secondary document was provided by you, eastern account systems, and was what you sent me in an attempt of validation of debt after I disputed it with you. What you sent me and lets be perfectly clear Was a statement with a zero balance. You sent it to me so You cant really be this XXXX XXXX. 

I have ample documentation and your continuing to pursue this matter despite having all the facts and a preponderance of evidence in negligence and intent to inflict harm. Good luck arguing against the now 4 fcra violations ..

You do not have permission to contact me again regarding this matter ( 4 fcra violations now ) the information will be removed from each credit bureaus regardless of what you keep attempting because I have the facts and documents so your only wasting your own time but hey XXXX XXXX again Ill surely enjoy that XXXX per violation since its so evident you have negligently and willfully harmed me.