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

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : 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 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

4. I never late on this account XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing wrong information from XXXX XXXX XXXX on my. Credit report with experian that damages my credit out look by wrong information This wrong information was removed from other credit agencies as XXXX XXXX
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 involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint XXXX earlier this year concerning a Capital One Bank account I never applied for and is showing a balance total of $ XXXX. Capital One claimed they have proof that I made a payment by check to them on this account and that is their excuse that the account belongs to me. After several attempts calling them for proof of this check, they have not been able to provide that proof. The three issues here is they can not provide proof of the check, they can not provide proof that I applied for the account, and the address they submitted to the Credit Bureaus for the account back back in XXXX is from a XXXX XXXX, AZ residence when I lived in XXXX, AZ. If they can show proof of the check, it will show that I lived in XXXX. I was in High School at the time the account was created. I never applied for any type of credit until XXXX. Capital One allowed someone from XXXX XXXX, AZ to apply for an account with my information and to overcharge the account by $ XXXX. I am the victim of fraud and it is bringing my credit down. Because of this balance, I have not been able to get credit and I have also had to pay for credit protection. I am XXXX years old now and I am being punished financially for no reason. This debt hurts my ability to have a good job or bank account.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a music funding program with XXXX XXXX last year. However, AFTER signing up for the funding services, the only funding options are for business loans and no business grants ( which is the ONLY type of funding I am interested in as it relates to funding my music business ). 

To misrepresent the type of funding your program offers XXXX XXXX it known that you are only providing services for business XXXX XXXX is misleading to business owners ( especially when they utilize Affirm ( per their request ) to apply for funding for the program. 

Both Affirm and XXXX XXXX are committing fraud by misleading the consumer in order to make a profit off of them- very unethical business practices on both of theor parts. 

I want this XXXX looked into AND a full refund of the payments that have been debited from my account to date. 

You CAN NOT mislead potential clients in order to getoney out of them and I'll be filing additional complaints other Federal agencies as well to make them aware of the scam Affirm and XXXX XXXX are running.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX XXXX XXXX XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX  XXXX-XXXX, XXXX XXXX   XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.
Product: Debt collection

A company named XXXX is harassing myself, my husband and my parents, claiming that my husband owes XXXX to Bank of America from 2004. They have threatened to take him to jail, they said theres warrants for his arrest, they call from several numbers from different states in USA. I spoke with XXXX XXXX and he was unprofessional, says they legally do not have to provide original documentation for debt, and said he bought the debt on a spreadsheet for pennies and is going to sell our information to someone else. He knew my name, address, license number, dob, etc. He said the calls are not going to stop no matter what you do. They refuse to stop harassing us even when I have stated this is not a valid debt, and have requested original documentation to show validity of the debt.
Product: Student loan

I had some optimism at first about this new loan servicer in hopes that they would be more responsible than the student loan caretakers before them. That unfortunately ended quickly. 

1, The first issue is that Mohela has my monthly payment hugely wrong since I took time off to take care of a family member last year and didn't make near what I usually make in income. And I can not get through to them due to terribly long wait times. It also seems like they have literally taken away the option to message them as when I try to it just dead-ends into another page that has nothing to do with messaging.

2. The second issue is that I requested a refund from Mohela before the deadline on XX/XX/23 for a refund of a student loan payment I made during covid. I messaged them through their messaging system and also talked to an agent that day who said he would put in the application for me and that it would take a couple weeks to get back to me. 

However, on XX/XX/23, they emailed me that the deadline had passed and since I had not requested before the deadline, I was not eligible. On XX/XX/23, I messaged them and said that they were clearly wrong and it was unacceptable since my first message even has the date of XX/XX/23 which was the deadline date. I also talked to a representative that day and he said that he was putting in the application and it wasn't late. They never responded to this message and their strategy seems to ignore issues that they cause. And now they have taken away the option to message them.
Product: Debt collection

Spoke with TRANSWORLD SYSTEMS in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX PA, XXXX as shown on my Pennsylvania Identification Card. All other name and address variations must be DELETED IMMEDIATELY they are inaccurate. There are numerous of INACCURATE ACCOUNTS on my credit report in which I disputed with XXXX, XXXX, and XXXX  and each time they state that they contacted the company 's and was told they are " VERIFIED '' ALL 3 AGENCIES are in VIOLATION of the FCRA, Per the FCRA " IF AN ACCOUNT IS NOT PROPERLY VERIFIED WITH SUBSTANTIATING PROOF BEARING A CONSUMERS SIGNATURE IT MUST BE DELETED '' All agencies are in VIOLATION. The following accounts below MUST be DELETED if they ARE NOT/ OR CAN NOT be VERIFIED with PROOF BEARING MY SIGNATURE : XXXX XXXX XXXX  # XXXX Diversified Adjustment # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX/XXXX # XXXX The accounts above are inaccurate and is a 3rd party collector! As you know a collection agency as known as 3rd party collecter can not furnish my report IT IS ILLEGAL FOR A 3RD PARTY COLLECTOR TO FURNISH MY REPORT ( Diversified Adjustments AGENCY ) MUST BE DELETED!

If proof is not provided to substantiate these claims/account the MUST BE DELETED if they are NOT DELETED I WILL EXERCISE MY RIGHT UNDER THE FDCPA/CRA
Product: Debt collection

I have tried reaching out to this company on numbers occasions. and they do not respond back within the 30 days given, I have attached all paperwork. These items do not belong to me, I have always been insured with medical insurance and I have no knowable whatsoever on these items that are holding me back with having good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Email from XXXX XXXX to XXXX on XX/XX/XXXX* My name is XXXX XXXX , previous XXXX customer Loan # XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX My Loan has been transferred to another servicer. 

I am writing to dispute the negative credit reported to the Credit Bureau on my account. Due to the Hurricane Harvey disaster, I was placed on a forebearance forgiveness plan with LoanCare and should not have reported negatively on my credit. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- *Email from XXXX to XXXX XXXX on XX/XX/XXXX* Dear Valued Customer, XXXX has generated a support ticket to help us track your inquiry. Your ticket code is XXXX Please use this code in any further communication. 

Please see attached document that states " Please be advised we have removed the delinquent reporting from your credit bureau report to reflect current, transferred XX/XX/XXXX '' XXXX Customer Support XXXX XXXX XXXX XXXX  XXXX, VA XXXX -- -- -- -- -- -- -- -- - I also submitted a dispute with Experian on XX/XX/XXXX and received a decision from Experian on XX/XX/XXXX stating the following : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' ****Please removed the delinquent reporting from my credit score as a result of the forbearance forgiveness from Hurricane Harvey Disaster for all months from XX/XX/XXXX to XX/XX/XXXXXXXX I also have an active dispute with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made fraudulently without my authorization. 
Accounts to Be Blocked and Deleted : XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$1900.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$970.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$3300.00} XXXX. XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$10000.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX. My mother is XXXX years old. I have been handling her finances for the last 6 years, since she almost died from XXXX XXXX. Her mortgage company has been scamming her for years. OCWEN. I have filed numerous complaints to them and NOW you can not even reach an agent at all. They now are ONLY as debt collector. I supplement my mothers income monthly since she has limited income. Her mortgage was ( approx ) $ XXXX then escalated to $ XXXX then i was able to get them them ( at that time it was XXXX ) back to $ XXXX. This last year I applied for her for the HAMP program. Well now they are demanding over $ XXXX as well have been sending DELINQUENT NOTICES yet I have been PAYING HER MORTGAGE every single month? Where is that money going to??? 
HER ADDRESS XXXX XXXX XXXX CA XXXX XXXX am her daughter XXXX XXXX am authorized on her behalf for all her financials
Product: Credit reporting or other personal consumer reports

Beginning on or around XX/XX/2024, I notified LexisNexis of inaccurate and illegal reporting. The company responded without addressing my requests.
Product: Credit reporting or other personal consumer reports

I'd like to emphasize that XXXX 's resolution process is unacceptably slow. It has been over 45 days, and I have yet to receive any feedback from them. Additionally, the information furnished by TransUnion on my credit report shows minimal to no updates or changes. There are discrepancies between their information and that provided by XXXX. 

Please note that XXXX XXXXXXXX XXXX XXXX was removed from XXXX back in XX/XX/year>. I am unclear as to why TransUnion and XXXX are taking so long to remove it from their records. 

Due to the continued inaccuracy of their reports, lack of transparency regarding their verification methods, and misinterpretation of the account, I have filed an identity theft report through the FTC to assist me in having this account deleted.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The XXXX XXXX XXXX XXXX ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's XXXX and Equifax inaction violates federal law and my rights as a consumer. XXXX Equifax and XXXX have allowed negative remarks to be made against my accounts while matter was still in dispute process. Basically backdating information to harm my credit report intentionally because I disputed account information or inaccuracies. They have removed comments and re added them at a later date such as unable to locate customer or terms and have deliberately continued to put inaccurate information on my reports only to cause harm as opposed to resolve inaccuracies and fair reporting by these agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DOB XX/XX/XXXX SS # XXXX Dated : XX/XX/XXXX XXXX : Account Number XXXX To Whom It May Concern, On or about XX/XX/XXXX, someone applied for student loan using my personal information from XXXX XXXX XXXX, XXXX. I have since requested validation for the loan and so far have received none. XXXX XXXX XXXX, then sold the loan to XXXX XXXX, XXXX, who place the loan amount of {$2500.00} on my credit report. Since XXXX XXXX, XXXX placed the unauthorized debt on my credit file, my credit have fell below 500. I have requested for validation of the loan. I am requesting copies of Identification, Social Security card and Copies of documents with my signatures attached. 
Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. 

This matter needs to get resolve immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was solicited by XXXX XXXX to open a VISA credit card by enticing me with a {$100.00} credit if I charged a certain amount within 90 days of opening the card. They solicited me directly through the mail as well as through my relationship with Fidelity. I applied for the card in XX/XX/XXXX or XX/XX/2018. I was approved. My first charge on the card was XX/XX/2018.  I have used the card extensively to meet the spending goal to receive the {$100.00} credit. 

I called them in early XX/XX/2018 to find out when I'd get my {$100.00} credit. They said I was not enrolled in promotion. They said I would have to send evidence that I was solicited. I sent a copy of solicitation in mail with a letter dated XX/XX/2018 to XXXX XXXX. I received a reply dated XX/XX/2018 saying they would review the account over the first 120 days to determine if offer could be applied. This confused me. 

I called them back on XX/XX/2018 and spoke to several people ( over one hour of my time ) and they all said they would not honor the promotion. This is fraudulent advertising. They said I didn't enter a code for the promotion when I applied online, therefore they would not honor the code. They even claimed their hands were tied because of Federal regulations and CFPB. I explained that the CFPB was not established to protect them, but to protect consumers like me from exactly this sort of behavior by unscrupulous consumer financial companies. 

Since XX/XX/2018 I have been solicited again through my Fidelity online account for the exact same {$100.00} credit offer. I went through XXXX XXXX 's online link for the offer just to repeat the process and see where the mysterious code should have been entered. The online application for this Credit Card had no place to enter such a code. I didn't complete this second, test application because I was simply trying to see where I might have gone wrong the first time. I am convinced that their online link to the promotional offer is set up to cause the consumer applicant to somehow apply for the card without getting the offer. 

The exact same thing happened to my son who applied for this credit card over the summer. 

I would like to get the {$100.00} credit, because that is why I applied for the card. My son should also be given the {$100.00} credit because he was directly solicited just like me and they refused to acknowledge his participation in the promotion.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighted 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 infeasible. The CFPB S finding indicate that Zelle had not only neglected to protect consumers but had 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.