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

To whom it may concern, In accordance with 15 USC 1681a Section 602, I have a RIGHT to privacy and the right to know where and how to direct the disclosure of my nonpublic information. I was not given this opportunity and I did not give TransUnion permission to put ANY of these accounts on my credit report. I am not asking for verification. TransUnion has no permissible purpose to put this information on my credit report without WRITTEN instruction. This is a violation of Section 604 15 USC 1681b ( a ) ( 2 ). Federal law, which congress put in place to protect consumers like me, overrides any company policy. The accounts that need to be deleted from my credit report immediately are listed below. Furthermore, these accounts being placed on my credit report without WRITTEN permission, gives me cause for concern for identity theft. The negligent behavior of TransUnion has negatively impacted my credit standing. I would prefer not to escalate this situation further, by enforcing my rights through legal proceedings. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX If you refuse to delete these accounts from my credit report, I want this XXXX consumer statement added to EACH account. My driver 's license and social security information will be included, and I request it be mailed back to me and not used again for any purpose. 


Attention all readers of my credit report. I am writing to express my extreme frustration with the inaccuracies and inconsistencies found on my credit report. The information associated with this account being reported is incomplete, inconsistent, and inaccurate. I have made a detailed written dispute to TransUnion and requested that they correct these errors, but TransUnion has refused to correct these errors or delete the account. I urge anyone reading this report to disregard this account as it does not accurately reflect my credit history or standing and should not be on my report.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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: Credit reporting

I have been sending letters to the bureaus since XXXX 2015. I am not sure if the bureaus are doing proper investigations but the XXXX on my report keeps a new date of last activity even though I settled this a long time ago. This date being updated is illegal and hindering me from moving on with my life and crushing my scores. Please intervene and make them remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX.
Product: Credit card

XX/XX/XXXX account open with purchase XX/XX/XXXX Returned item XX/XX/XXXX paid balance in full {$100.00} XX/XX/XXXX received bill with negative balance. They say they issued a refund. I did not receive it XX/XX/XXXX I called about a negative balance on my account and asked for refund They opened up a case to review it. 
XX/XX/XXXX I received a letter saying after review they are issuing a refund {$100.00} I received the check, deposited it and closed the account. 
XX/XX/XXXX received a paper statement saying I owed {$100.00} the description of purchase was REFUND XX/XX/XXXX I called Comenity Bank and asked why there was a charge on my account when I havent used the card and the account was closed. They couldnt answer me and said it looked like a mistake. I asked to speak to a supervisor and was disconnected. 
XX/XX/XXXX received multiple emails saying I now owe {$130.00}. I called again and asked for a Senior account manager. She said she cant do anything about the charges because the account was closed and they issued the refund by mistake. 
XX/XX/XXXX. A dispute for the amount {$100.00} was initiated I called to ask for my account number and they could not provide it. I asked if the late fees could be removed and they could not because the account was closed. They said the late fees would continue to be charged but would be dropped when the dispute is completed. 
Im worried about my XXXX XXXX being affected by this mishandling of my account. 
Thank you for your help with this matter.
Product: Mortgage

This is to verify that I have filed many complaints against Wells Fargo et al. One of the affiliates of Well Fargo is XXXX XXXX, XXXX XXXX of the Law Offices of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX, California XXXX. Not only is Attorney XXXX XXXX representing Wells Fargo in the background, but he is the attorney for XXXX XXXX XXXX XXXX, XXXX the company that illegally purchased my family 's home, and is attempting to evict my family without any remorse whatsoever. Attorney XXXX XXXX is steadily sending threatening and harassing letters to my family 's home, and he is sending employees of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by my home on a continuous basis. Attorney XXXX XXXX refuses to work cohesively with my family, and insists on throwing us out into the street. I am going to make contact with the U.S. Congressmembers so that they can do extensive research on XXXX XXXX, and XXXX XXXX XXXX XXXX, which is also a direct affiliate of Wells Fargo, AKA. Wells Fargo, I hope that your new CEO XXXX XXXX XXXX has more ethics and morals that XXXX XXXX XXXX, former CEO of Wells Fargo. Again, have a conscience Wells Fargo, and rescind the sale of my family 's home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response about the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit card or prepaid card

Capital One credit card closed 7 accounts and will not allow us to cash accumulated dollars towards a new XXXX XXXX product
Product: Money transfer, virtual currency, or money service

identify you and your account. 
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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Dear Sir or Madam/To Whom It May Concern, On XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In XXXX  your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in XXXX ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX XXXX or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update XXXX XXXX XXXX XXXXXXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I have been  a MACYS cr edit card client, since   XXXX  . I have been sa tisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect. Macys has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all 3 major credit bureau reports. Macys has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting MACYS regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.      Thank you in advance, for all your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Reference : XXXX I am writing in response to your letter dated XX/XX/2019. The information in this letter is incorrect and needs to be resolve. On XX/XX/XXXX I called the XXXX customer service loan payment number to make my payment for that month and two different agents REFUSE to take my payment citing the XXXX payment system will now allow them to process the payment. I was willing and ready to make my payment and XXXX did not take my payment over the phone. I insisted and with the help of one of the agents I was able to submit the payment online that day. My payment was not credit until the XXXX of XXXX but I make the payment on XX/XX/XXXX. I demand that all my calls are to be review and my payment online as well. I request that my payment history is corrected immediately since it is hurting my credit and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$37.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding things on my credit that are not mine.I have several items on my credit report that are not mine. I noticed it because I recently applied fore. credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, DPT EDXXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX   XXXX, XXXX, XXXX XXXX. There are also inquiries that are not mine. XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX my XXXX doctor sent a referral to my XXXX to schedule two Free XXXX for me. One was an XXXX as follow up to a diagnosis I had earlier that year when I XXXX a XXXX XXXX  XXXX XXXX called XXXX. Due to my inability to tolerate almost all antibiotics, the standard regimen to treat that condition could not be used so my XXXX had to try another method with the hope that it would work. At the end of that treatment which was 14 days, they had to do a post test followed by the XXXX to be sure there were not adverse damage to my XXXX XXXX. The Second was my 5 year XXXX all of which was authorized and covered by my insurance 100 % Both procedures were completed at the same time in XXXX of XXXX. Shortly after I received a bill from the Facility where the procedure was done so I took it to my XXXX XXXX XXXX XXXX office and gave it to his office Manager XXXX. She called over to the billing office and made them aware that I should not have received a bill because both procedures were screenings and there should be no charge. I was sitting in her office when she made the call, she said its taken care of and I am good to go. Around XX/XX/2014 I received a letter from Fox collection stating I owe this bill. I told then no and that the billing office was made aware that the screenings were free. Fox collection reported me to the credit bureau. I have tried to dispute it several times but they refuse to remove it from my record. I recently went back to my XXXX  office and they gave me a copy of the order for me to send with this complaint. They also stated that if this does not work I should return and they would contact the billing people again to try and resolve it. Attached is a copy of what my doctor gave me to send with this complaint.
Product: Debt collection

The agent of One Main violated of 10 XXXX tactics in debt collecting. The management and other department have refused to address my complaint.
Product: Credit reporting or other personal consumer reports

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of ( XX/XX/2023 ) as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice, XXXX XXXX
Product: Credit card or prepaid card

Purchased several products : they did not get me my products or issue returns on my card when they didnt get me the products. I am stuck with bills and credit card slips that arent making sense and XXXX Ive paid in debt that I can not understand on receipts.

Home Depot said they would resolve this and even offered a settlement amount which I didnt agree to the amount, but they havent even followed through with that. 
I dont know what to do other then reach out to my government
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO XXXX, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Product: Debt collection

In alignment with the Truth in Lending Act ( TILA ), designed to protect consumers against abuse and deceit by creditors, I find it necessary to bring to your attention several violations that I believe have occurred in my case : 1. **Fact : ** The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors. 
2. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.CA. A debt collector may not communicate with a consumer in connection with the collection of any debt.

3. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692B ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
4. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.8755. Not using any language or symbol on any envelope or in the contents of any communication, effected over the mails or telegram, that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
5. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language, the natural consequence of which is to abuse the hearer or reader.
Product: Debt collection

Sent an email to Ocwen and XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting that our mortgage file be removed from the OOMLT 2006-1 remittance report for next cycle XX/XX/XXXX and the collateral file for the next cycle of XX/XX/XXXX since a valid transfer of assignment has not been provided to me that meets the new servicing standards and Ocwen National Servicing Settlement agreement. Ocwen and XXXX XXXX XXXX, XXXX has included our mortgage loan in the XX/XX/XXXX remittance report and theXX/XX/XXXX collateral file even though a valid transfer of assignment does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Mortgage

My Name is XXXX XXXX I am a XXXX with XXXX XXXX XXXX in XXXX, Id. I have a client XXXX XXXX who has asked me to help her short sale her property at XXXX XXXX XXXX XXXX XXXX XXXX, Id XXXX. XXXX 's property is in default due to a divorce and loss of income. The lender is Wells Fargo. I proceeded with the short sale. I listed the property for {$180000.00} and received an offer for {$180000.00}. Wells Fargo approved the sales price and gave us full approval to close. The buyer 's financing fell apart right before closing so we did not close. I received another offer for {$180000.00} and was in the process of getting it approved by Wells Fargo but those buyers got transfered out of the area. I received another offer for {$180000.00} but this time Wells Fargo came back with a counter offer of {$200000.00}. I called them and was told they had a Brokers Price Opinion done and it came back {$29000.00} more than the previous XXXX. In a XXXX of months that property did not increase in value {$29000.00}. I can not sell this property for that amount. The seller did try to sell the property her sell for {$200000.00} but did not get any offers. I disputed the appraisal with comparable sold properties and information about the small town of XXXX but Wells Fargo denied the dispute. I believe Wells Fargo is putting my Client in Harms Way by not accepting the original price of {$180000.00} which they did accept. I am attaching the emails from the Wells Fargo Negotiator, and the approval letter from Wells Fargo. I do n't know what else to do. I have tried everything to help this client and Wells Fargo is being unreasonable. The house is not finished and is in an area where there is not many properties sold in a year. XXXX XXXX loan number is XXXX. I would like you to look into this matter. I believe this is wrong and Wells Fargo is suppose to be helping the home owner not harming them. They are being unreasonable. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still continues to show a bankruptcy on my credit report, despite evidence to the contrary. I have sent them documentation on numerous occasions and they have ignored it.