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

On XX/XX/ I sent Midland Credit Management a debt validation letter asking them to provide the following. Agreement with there client that grants midland credit the authority to collect the alleged debt, signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collection, any agreement that bears the signature of debtor wherein agreed to pay creditor, all statements while account was open. Midland Credit Management only responded with copies of billing statements and old bill statement copies
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft so this month, XX/XX/XXXX on or around the XXXX of the month I contacted Equifax, XXXX, and XXXX to alert that of the identity theft. I informed them of the accounts and the credit inquiries. They have all removed the accounts but the inquiries remain. 

Per section 605B of the FCRA I would like to have these items removed from my credit file.
Product: Mortgage

Due to a job loss that occurred years ago, I fell behind on my loan and could not afford to reinstate it nor did I qualify for a loan modification because I did not have the income. I have been working for months to do a short sale with the lender and I am currently under contract with an offer but the offer is under review and we are not quite ready to close but the mortgage servicer is not wanting to allow the additional time needed so the that the buyer can close. I have met all requirements given by the servicer and I am in the process of moving out of the house to prepare for closing. At this time, I am a self employed individual and can not afford to deal with the repercussions of a foreclosure, when I am making a great effort to get the debt resolved and settled. It would negatively effect my business. I have provided all of my financial paperwork, settled with the homeowner 's association on the home and just need at least an additional 30 days so that my current buyer can close. I've been doing the short sale for over a year now and do not want my work to go in vain. I just want to get this settled so that me and my family can move forward. Please help me get this resolved, I do not want a foreclosure to affect my credit any further than it has already been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complaint file complaint stating my score is not being calculated properly Equifax especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need XXXX and Equifax to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by XXXX or Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Regarding Misleading and False Information Reported by Credit Karma on the platform Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns regarding the information reported by Credit Karma, which I believe to be misleading and potentially false. As a consumer who relies on accurate credit reporting to manage my financial health, I am troubled by my experiences with this platform. 

On XX/XX/year> Credit Karma displayed on there platform that my XXXX XXXXXXXX XXXX XXXX account was closed. That information is false and misleading. My credit card account on all 3 credit bureas is not closed. I'm uploading all 3 Credit Reports so you can see that it's false, misleading others as well. 

I understand that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and fairness of the information they report. However, my attempts to address this inaccuracy directly with Credit Karma have not yielded satisfactory results. 

I am concerned that such misleading information not only affects my creditworthiness but may also impact other consumers who rely on Credit Karma for their financial decisions. I urge the CFPB to investigate this matter and take appropriate action to ensure that Credit Karma complies with FCRA requirements. 

Thank you for your attention to this important issue. I look forward to your response and any guidance you can provide on how best to proceed. 

Sincerely,
Product: Debt collection

I have reviewed my recent credit report and identified multiple fraudulent accounts that seem to have been added without my consent.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected or resolved right away. 
XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. Not sure who's they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XX/XX/XXXX contact Experian website, login to temporarily unfreeze my credit report so I could apply for a an auto-loan. Website says unable to retrieve information contact customer service. 
Saturday, XX/XX/XXXX : Contact Experian website and find the same issue as previously described. Contact Experian to speak to an agent. Automated response no agent is available. 
Monday, XX/XX/XXXX : Contact Experian through the website and once again same response, contact customer service. Automated attendant would not connect me with an agent and could not understand the temporary unfreeze request. It was completely lift the freeze or nothing. After 10 minutes spent in auto-attendant non-helpfulness, I hung up and contacted Experian through XXXX. 
XX/XX/XXXX XXXX XXXX : Human ( I think ) answered my direct message approximately 16 minutes after sending. CSR asks for identifying information. I respond with requested information. 13 minutes later CSR responds with this message ; Thank you for that information. I understand that you are having a hard time managing your Security Freeze. The process to manage a Security Freeze on our website has changed. You need to log in to your membership, scroll all the way down to the bottom, select " Help Center '' and after that " Quick actions '' and then " Manage freeze ''. XXXX My response : Tried that and it keeps saying to contact customer service. 

The other two credit bureaus make it easy to manage credit report freezes but so far I have spent the better part of 3 hours trying to temporarily unfreeze my report from Experian. 

I've already been denied credit on an application because the first bureau the lender checked was Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted XXXX about removing accounts from my consumer report. I made several calls to the company. On my last call I was told that the XXXX XXXX XXXX account would be removed from my consumer report within the week. It has now been a month and the account is still there. I was a given a confirmation number XXXX. I let them know they are violating 15 U.S. Code 1681.
Product: Checking or savings account

Multiple times thru Navy Federal I have been overdrafted and in the negatives. I have tried to deal with it with them however ive always got the run around. They took a lot of money from me since 2021.
Product: Debt collection

This debit was dismissed by a judge. I won the judgment against this creditor in XXXX and also in XXXX. I would like this account removed from my credit report immediately!
Product: Debt collection

On XX/XX/XXXX I sent a request to validate a debt that was shown on my XXXX, XXXX  and XXXX  credit reported. There was a derogatory remark on my credit report from a CAVALRY PORTFOLIO SERVIC showing 2 different accounts one with the total balance due of {$2800.00} & another balance of {$4100.00} Following up letters were also sent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

They have also provided a bill of sale and assignment dated XX/XX/XXXX by XXXX to Cavalry claiming to be part of this account but does not have my name, signature, debt amount or dates included. 

According to the FCRA CAVALRY PORTFOLIO SERVIC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$740.00} 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX, XXXX XXXX  # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regardning Zelle 's handling of disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is 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 am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I live in XXXX ohio XXXX XXXX Ohio was my address as a minor along with children services, and as an adult Ive been on the streets or in and out of hotel rooms or with friends in Ohio but no where else. Please find out about helping me please and help get my identity back please
Product: Student loan

Fed Loan Servicing limits customers to 8 online payments each month. This is something other servicers do not impose on their customers. For those who are fundraising to repay student loans, this limitation places borrowers, whose loans are serviced by Fed Loan, at a disadvantage.
Product: Debt collection

National credit system account number are asking g too much for XXXX month rent I was. Not their to defend my self in court the rent was XXXX a month one month how can this rent plus a court cost of XXXX pluses XXXX an the cleaning how can that add up to XXXX that is why I want someone to vestigate I am not in no way to pay that I tried to work this out but they are abusing an taking advantage of the public an the credit bureau
Product: Prepaid card

XXXX XXXX XXXX  my WISELY card was stolen. Same day I called WISELY and reported stolen card as well as multiple unauthorizes activity on the card in the amount of {$4700.00}. See attached file for list of transactions, dates and amounts. 
I was supposed to receive Statement of Fraud paperwork from WISELY to complete my dispute. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called WISELY to inform them that no paperwork was delivered to me. I confirmed my mailing address and requested the paperwork to be emailed to me during each phone call. No email was sent to me. 
Statement of Fraud paperwork arrived by USPS on XX/XX/XXXX. I completed it and as per WISELY instructions emailed it to XXXX the same day. 
On XX/XX/XXXX I received a letter from WISELY dated XX/XX/XXXX stating that my dispute was closed and no money will be returned to me. They closed the dispute before I received their paperwork even-though they knew that as of XX/XX/XXXX I still did not receive their paperwork via USPS or email. 
On XX/XX/XXXX I called WISELY and asked the dispute to be reopened. I was instructed by XXXX to send a certified letter to ADP-Compliance Solutions C/O WISELY - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX I sent the letter on XX/XX/XXXX and WISELY received it on XX/XX/XXXX. ( Tracking confirmation attached ) Since nothing happened I called WISELY on XX/XX/XXXX and spoke with XXXX who said that WISELY never received my certified letter ( I had a tracking report proving they received the letter ). He told me to write another letter which I did and sent it to WISELY as certified mail on XX/XX/XXXX. Attached is a confirmation that WISELY received my second certified letter on XX/XX/XXXX. As of today, XX/XX/XXXX, I still did not hear from WISELY and did not receive the funds that were stolen from my WISELY card. 
WISELY advertises on their website, app and in print that " Your account '', " balance '', and " funds are ( FDIC ) protected from fraud if card is lost or stolen. You must notify us immediately and assist us in our investigation. '' I followed all the steps- notified them and assisted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting companies known as XXXX XXXX and Sagestream LLC have reporting incorrect info for the last months when I applied for credit and loans through several different companies. I applied to these companies base on being pre-approve base on my XXXX credit score. I paid off all off my charge accounts and debts in XX/XX/2021, but none of what I paid off is reflecting on XXXX XXXX and Sagestream LLC. each still have stuff on my report over XXXX years old or stuff that has not been updated as paid. I am very upset because I recently was discharge from bankruptcy and a number of debts was paid off and cleared as a result of the discharge in XX/XX/2021. I need to know why these companies have not updated my credit files. This continue to damage my abilities to apply for credit. I have work very hard to repair my credit for this to cause problems now. I need this fix ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and seen some unauthorized inquiries. 

XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or XXXX  verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory XXXX period as prescribed by the FCRA. 

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

Never inquire about credit must be someone else with a similar.
Product: Debt collection

Went to XXXX XXXX XXXX XXXX on XX/XX/15 to get XXXX  XXXX. I changed my mind and cancelled my appointment because they did not have the XXXX XXXX XXXX  that they told me they had days prior over the phone. XXXX XXXX XXXX XXXX charged my insurance for the planned services even though I did not receive the services. After receiving a payout from my insurance, XXXX XXXX XXXX XXXX sent an incorrect balance to Capital Accounts LLC even though I did not owe anything because I did not receive any services. After multiple disputes ( more than 4 disputes ) through XXXX  credit reporting agency, Capital Accounts LLC has been reluctant to remove the incorrect collections account from my credit reports even when supporting documentation was provided and XXXX XXXX XXXX XXXX has acknowledged the mistake.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( 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 to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be UPDATE and if you are unable to provide me a copy of verifiable proof, you must UPDATE the account listed below.

I demand that the following account be validated and UPDATE immediately 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: Payday loan, title loan, or personal loan

Several years ago I was called and offered a personal loan on the telephone for XXXX from a company named GreenTree Servicing. I was told explicitly that it was a personal line of credit, a personal loan. I accepted and received normal bills and made payments. Aproximatly, one year later The bill started referring to the terms as a mortgage as though this was a second mortgage on my home! I had never taken out a second mortgage on my home with this company, especially at 13 % interest. They also failed to give me the rate that they promised which was about half. I contacted this company numerous times to no avail and to avoid bad credit I still paid the bill. Then they started misallocatibg the payments to only pay the interest on this personal loan which they now referred to as a Mortgage. Again, after so many calls a consumer can only take but so much. Subsequently, they then transferred my personal loan/ their supposed mortgage to Ditech who I still receive bills from and pay. At the same time, this said to be personal loan from GreenTree/Ditech which somehow attached itself to my mortgage then started coming with not only my name but my girlfriend 's name who is co-owner of the home. She had never been involved in this personal loan transaction. In fact, this entire transaction took place over the phone with no documents included to sign, all verbal. But again, she never had anything to do with this and I never agreed to the terms that they are referring to. My home had nothing to do with this loan. Without hiring an attorney how can I get this resolved as they are also now unwilling to modify or relook these terms and are now destroying my credit as well. This is blatant fraud and I feel extremely victimized. Thank you in advance for your help.
Product: Checking or savings account

In XX/XX/2022, I wrote a check for {$1500.00} to XXXX XXXX that was earnest money for a house I was buying. The house closing fell through and XXXX XXXX wrote me a check for {$1500.00} to return my money. I took that to Huntington Bank in XXXX, MI and deposited it in the ATM. They put a hold on it and also locked my entire bank account. I called and they told me to wait until the following Monday. I called the Tuesday after because it was still on hold. This was the first of many calls trying to get my funds and access to my bank account. I called XXXX XXXX and told them what was going on and they said the funds cleared their account on XX/XX/XXXX and sent an email proof showing that XXXX XXXXXXXX XXXX has removed the money already and told me it was a Huntington Bank issue. Huntington told me it was held because a department at XXXX XXXX wasn't responding to them and they would continue to hold it until they respond. I called XXXX XXXX and went in there in person XX/XX/XXXX with no resolve and they told me to have XXXX XXXX call in. XXXX XXXX is tired of dealing with me because they did their part and wrote me a check that should've been fine on their end. I picked that check up in person and went in there in person XX/XX/XXXX with no resolve. Huntington continues to tell me that they will not unlock my account. I did receive a letter from Huntington saying the funds were cleared XX/XX/XXXX from the {$1500.00} check but when I called to tell them that, they wouldn't unfreeze my bank account. Today is XX/XX/XXXX, I picked up that check from XXXX XXXX XX/XX/XXXX, it cleared their account on XX/XX/XXXX. I've called XXXX, MI 9 times since XXXX XXXX XXXX and had email correspondence with XXXX at that location. I've called the customer service number at Huntington 8 times since XX/XX/XXXX. The last time was Wednesday XX/XX/XXXX at XXXX and I was told once again there is nothing they can do for me and that I should contact XXXX XXXX.