23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone opened up an account with XXXX in my name, Ive never had any service from XXXX Ive contacted them about this matter over and over, they even made me fill out a fraud case I sent back all information to them, this negative item was already removed from my credit report, and resolved. Now they got a new debt collection to come after me again
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Act Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters on the following dates to XXXX, Experian and XXXX : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Bank Of America Corporation must furnish accurate information to consumer reporting agencies regarding Account XXXX. This inaccurate reporting has significantly harmed my character, reputation, overall well-being, and ability to access credit for personal and household needs. This inaccurate reporting has directly impacted my XXXX. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, it is explicitly stated that furnishers of information must provide accurate information. Specifically, this duty prohibits reporting information that the furnisher knows or has reasonable cause to believe is inaccurate. Furthermore, if a consumer notifies the furnisher of specific inaccuracies and such inaccuracies are confirmed, the furnisher is prohibited from reporting said information. 

As per the XXXX XXXX XXXX XXXX XXXX XXXX guidelines, even if a Form XXXX is not received, the canceled debt must be reported as gross income on tax returns. Therefore, the classification of a charge-off as income is in direct contrast to its reporting as a debt. 

As a furnisher of information to consumer reporting agencies, Bank Of America Corporation is subject to the provisions outlined in 15 U.S. Code 1681s2. This Account can not be reported as a charge-off on my consumer report.
Product: Money transfer, virtual currency, or money service

I am writing this to fully express my concern s regarding Zelles 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 were unfeasible. The CFPBs findings indicate that Zelle 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 or other personal consumer reports

I am asking for your support in addressing the inaccurate account being reported on my credit report. This has affected my reputation as a customer, and I require your help to remove these accounts, as they are both incorrectly and negatively reported.
Product: Debt collection

I disputed my XXXX debt with Equifax and it shows that the complaint is closed but I can not see their resolution. It does not appear that they did any research into the debt.
Product: Credit reporting or other personal consumer reports

Account- Bank of America Account number- XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and XXXX, XXXX and XXXX are the consumer reporting agencies. According to 15 USC 6801 " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have the right to make sure my private information isnt shared. Bank of America is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other " in accordance with the written instructions of the consumer to whom it relates ''. Bank of America, XXXX, XXXX, and XXXX do not have my consent to furnish this information. Any and all consent to XXXX, XXXX, XXXX, and Bank of America whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. Bank of America never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 '' This account is being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures at this time. 

12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across Experian, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX  XXXX. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( 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 to whom the report relates.
Product: Credit card

I had a secured credit card with a limit that i deposited of XXXX and had made a few payments from my personal bank account. I had to pay an unexpected auto expense and the payments I had made returned from my bank. After calling and speaking to capital one the representative advised me that is in violation of their policy after kindly explaining the situation and she said that they would be closing my card and taking all of the money back that any remaining balance after they took out their fees and cleared any payments that are pending the would take it all and i would not recieve anything back which is not my understanding of how the secured card worked.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, Equifax, and TransUnion for failing to properly investigate my identity theft dispute and remove fraudulent accounts from my credit report, despite multiple submissions of required documentation. 

Experians Failure to Investigate Identity Theft Dispute On XX/XX/year>, I submitted a formal identity theft dispute to Experian via mail, including : A copy of my government-issued ID and social security card A /FTC identity theft affidavit A detailed letter outlining the fraudulent accounts and how I was affected Despite having all necessary proof, Experian refused to investigate, claiming they did not believe I was the one submitting the dispute. 
I received their response at the last minute, delaying my ability to resolve the fraudulent activity. 
On XX/XX/year>, I resubmitted the same dispute directly through Experians online portal, and they are still refusing to investigate promptly, despite their legal obligation under the Fair Credit Reporting Act ( FCRA ). 

Equifax & TransUnions Failure to Remove Fraudulent XXXX Account Equifax and TransUnion continue to report a WebBank account that does not belong to me. 
I have repeatedly disputed this account, and it has not been removed. 
I have no knowledge of this account, nor have I ever opened or authorized it.

Legal Violations & Requested Action 1.Experian is violating the Fair Credit Reporting Act ( FCRA ) by failing to promptly investigate a valid identity theft dispute despite multiple submissions with all required documentation.

2.Equifax and TransUnion are failing to fulfill their obligation under FCRA by continuing to report a fraudulent account that I do not own, despite multiple disputes.

3.These delays are causing significant harm to my credit and financial well-being.

I demand the following corrective actions : Experian must immediately investigate and remove fraudulent accounts from my credit report.

Equifax and TransUnion must delete the XXXX account that I have repeatedly disputed and proven is not mine. 
I request a written response with clear corrective actions taken, not just another generic dispute response. 

Failure to act will result in further legal escalation as well as complaint with the attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently received an updated copy of my credit report dated XX/XX/2022 through my XXXX XXXX XXXX XXXX  and noticed 40 inquiries on each of my 3 bureau credit reports that I did not authorize or consented to which is a violation of my rights to privacy. These inquiries are highly injurious to my credit and my ability to borrow. Furthermore, I suspect that I'm a victim of some sort of Identity Theft due to the fact that I lost my wallet a couple of years ago at the XXXX XXXX here in XXXX NC. I contacted XXXX on XX/XX/2022 and informed them of my findings. I explained to the representative that I may be a victim of ID Theft. The Representative stated that I should file an FTC ID Theft Report and send that to all 3 bureaus including XXXX, Equifax, & XXXX which I did on XX/XX/2022. Please see a copy of this FTC ID Theft Report attached.
Product: Debt collection

I was only called on the phone about the debt and never sent a bill. I was in a law suit and as a result the landlord created a fake credit claim. I settled the case with the landlord, however they were supposed to take the debt off of my credit report and cancel it with the debt collection agency, but they did not. 


The debt is with FCO XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up on my credit card as a balance when it should be XXXX since it was transaction from a lost and stolen card and I did not authorized any of those transaction Lost card and unauthorized transaction on my XXXX XXXX Credit Card XX/XX/XXXX XXXXXXXX XXXX XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$22.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX CA {$28.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$33.00} XXXX XXXX AR {$140.00} XX/XX/XXXX XXXX XXXX XXXX IL {$10.00} XX/XX/XXXX XXXX XXXXF XXXX XXXX CA {$37.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX IL {$8.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL {$45.00} XX/XX/XXXX XXXX XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$270.00}
Product: Vehicle loan or lease

On XX/XX/2022, my car was a total lossXXXX XXXX XXXX was immediately ready to pay the loan off. I retained the law firm of XXXX XXXX XXXX to communicate with the finance company, Global Lending Services, so that I could get the loan paid off and collect any money due to me. The law firm tried to get XXXX to communicate and work with them to get XXXX ' loan paid and get me my remaining money owed but XXXX continuously refused to cooperate with my law firm ( see emails to/from XXXX attorney and my law firm 's paralegal ). For month 's XXXX ignored my law firm and continued to bill me monthly payments on the loan. This caused an extreme hardship to me as I was involved in an XXXX, off from work, and could not afford to pay a loan that should have been paid off months ago. If it were not for XXXX ' incompetence, the loan would have been paid. Additionally, they ruined my credit by showing me late for two car payments with them ( one that should have been paid off long ago if not for their lack of cooperation and due diligence ) because they are holding over {$2000.00} of my money and refusing to return it to me. I would like to ask that they be fined for their unethical actions.
Product: Student loan

I left the program due to family emergency. XXXX University refunded Navient {$2400.00} and {$1700.00} totaling {$3700.00}. They are still reporting it on my credit report despite being paid back the money. The Navient representative I spoke to was XXXX on XX/XX/2017 at XXXX
Product: Checking or savings account

information related to card transaction accounts. all copies related to both accounts.and any and all accounts related to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. Thank you
Product: Debt collection

I'm XXXX XXXX has been part of identity theft I was cleared of all eviction that were put in my name .I 'm writing you because I have a collection that's in my name that I didn't do and it is harming me to get a apartment, l have reached out to this collection agency national credit system who have the collection and they are saying it is me I sent them a police report a hand analysis and they refuse to take it off because of a signature that is definitely not mines so I will appreciate if y'all can help me please I will be gladly to send you any of the information you need to help me thank you
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. 
The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Repeatedly reporting C/O every month. Every time the account updates the statute of limitations is extended, every update makes the account look newer than it is. Reaging the account is illegal. 
Additionally, the information reporting is inconsistent across bureaus.
Product: Debt collection

Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt and Original Contract Dear Sir/Madam, By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and removed from my credit report in order to show my true credit history. As you are well aware, under 15 U.S.C. 1681i of the FCRA, as well as numerous other legal authorities, you are required by federal law to report only accurate information and every step must be taken to assure the information reported is completely accurate and correct. 
1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

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  Please accept this letter notification that I dispute the following items reflected in my credit report : Account Details : Creditor 's Name : MIDLAND FUNDING Account Number : XXXX Provide me documentation that this is mine or delete it Note : MIDLAND FUNDING has miss represented itself to XXXX as an original creditor holder which is strictly prohibited in court of law and is in non-incompliant with CFPB reporting guide-lines, please deleted without delay.
Product: Debt collection

Hello on several occasions I reached out to comenity bank in reference to the account that they were reporting on my credit file in reference to XXXX XXXX. On Several Occasions I asked them to Validate that the debt was mine and that I was in fact the person that they were looking for the only response that I received from Comenity Bank was that the account had been sold to XXXX XXXX XXXX when I contacted them they say that they have no account listed for me with thier company so why can't comenity bank Validate the account if they are the data furnisher.
Product: Checking or savings account

XX/XX/XXXX My partner and I went into Capital One Bank in XXXXXXXX NJ  to open up a business bank account, from the start we were told that you have to be a customer for more than a year to apply for the PPP loan we never asked or implied thats why we were there. I was asked a bunch of questions which I deemed was unnecessary to ask plus I had a hard inquiry done on my credit. And when it wasnt enough I was told to come back to complete the process because they had to get verification From corporate to open the account I was never told a hard inquest would apply and it was used to verify my partner and I. I left very disgusted and plan to close my personal accounts cause if they can profile me in that manner for trying to open a business account, I can imagine what treatment Ill get as a personal account customer ...
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a notice of dispute directly to your company because I was unaware of XXXX collection accounts on my credit report. In or around XX/XX/XXXX, I received a response from your company verifying my disputed information as accurate, However, I do not agree with that and I am demanding a reinvestigation. I am disputing under the FDCPA, Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section XXXX of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this XXXX  day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this XXXX day investigation I need you to delete from my credit report immediately.
Product: Credit card or prepaid card

I rented a car in XXXX with the understanding that collision insurance was a benefit. I verified this with XXXX at XXXX used the credit card to pay for rental. 

Unfortunately, when I notified collision benefit, at XXXX on XX/XX/23 that the car was damaged and I was billed {$2200.00}, they insisted that I have no collision benefits. 

I again called visa at XXXX and they again insist that I do have coverage. Spoke with XXXX a supervisor. 

XXXX is responsible for this XXXX bill whether I have coverage or not. Telling customers they have benefits when they do not is False Advertising and even Fraud
Product: Money transfer, virtual currency, or money service

In a nutshell, I sent XXXX BNB from my XXXX wallet to my Binance USA account. I QR coded my address from Binance and double checked, then i QR coded my Memo number which is required, i double checked that as well. When i sent this amount to my binance USA wallet the memo number was gone. Don't know how but it was not there. 

Binance states that they can recover the funds since it is with them in their wallet, they charge a extra fee to do this ... so no problem. Here is the problem that i have with them ... I wrote them on XX/XX/XXXX they confirmed the opening of my ticket. Sent them all the relevant with trans ID and their chain showing successful receipt. I have yet to have any further communications with them. It has been 9 working days and nothing, i had a problem with them before on a smaller item and they never even got back to me. This is currently over 3,000 dollars and i will not this go by ... I just want my money deposited like they said they could do and i just want to be done with them. I have been to forums and chat rooms and the complaints are scary. I just want to be done with them, i am so angry because there is NO CUSTOMER SERVICE at all! Please help, i am XXXX years old and this is my retirement money. I finally made a little savings from this and now they will not even put my funds in my account even with the information that they asked for.