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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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/XXXX
Product: Debt collection

I was never given any written notice regarding this collections. This is from a hospital stay years ago and I have paid for that stay in full along with my insurance. If something went unpaid, I am sure I could refute it with insurance paperwork or receipts, however, the company refuses to send me anything in writing and has informed me several times that I need to " simply pay the debt without questioning '' which I do not believe is a good idea with medical debt because I have been burned so many times in the past thanks to changes in insurance, honest mistakes and overlooked payments, especially with the hospital in question!
Product: Credit reporting, credit repair services, or other personal consumer reports

I I have recently submit letters to you about my credit report Transunion, XXXX and XXXX for all 3 credit reports waiting for a response yet I got nothing, according to the standards you was to connect me with 30 days due to time of this whole situation how depression. 

There are errors that are on my credit report which should not be or removed from my credit report. 

wrong address wrong employment wrong name never live there Because of this treatment, I had to change my purchase my real estate investment properties because my credit report is not up to CFPB STANDARD!!! 
this total Unacceptable and violates over 20 rights that I have as a consumer I ask you to take complaint extra seriously, I would like a response form you no later than 15 days. And also request to be compensated interest for every day the credit bureus do not reply to my complaints.
Product: Checking or savings account

My husband and me went in lobby to withdraw {$11000.00} XX/XX/2023 at XXXX XXXX. The teller only gave me {$10000.00}. We didn't realize until we arrived home and opened folder. I immediately called bank since I live 30 minutes away, I was told my teller had gone home for day so they would call me next morning. I waited the next morning and got no call so headed to bank. I spoke with XXXX XXXX the branch leader. We counted the money together and both verified it was short {$1000.00}. He said he would start an investigation. I brought to his attention that the teller was not very focused on my transaction and was instead complaining of coworkers to drive through tellers. I mentioned my teller asked drive through teller to borrow the {$800.00} for my transaction to help the investigation. Days passed and I got no news so I went to bank again, and XXXX said his superiors would be in the next day to watch cameras. I got a call the next day XXXX said no error was detected. I asked to be allowed to watch cameras he said I would need to hire an attorney. I know that cameras should clearly show the bundle of {$10000.00} she grabbed and obviously where she borrowed the {$800.00} from drive through teller so where is the {$1000.00}? I sold my vehicle to pay off debt and that is how I had that money ; I don't have money to hire attorney and find it very unfair that bank handles business this way. I know I was short serviced and camera viewing would show it. If banks wasn't t hiding nothing, why act this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent back " verified '' when I disputed with them XX/XX/XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX ( XXXX XXXX XXXX ) one of these XXXX accounts literally XXXX  is the ONLY credit Bureau reporting this. It shows XXXX : Date last Active : XX/XX/XXXX but Last reported : XX/XX/XXXX. 

This other XXXX account is being reaged all three credit bureaus are reporting different last activity dates. XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX & XXXX LAST REPORTED DATE : XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX XXXX XXXX. 

In my first dispute with EXPERIAN their " verified '' letter they told me their getting the information from company called XXXX XXXX which I never heard of. So I contacted them for a report ( still waiting for report ). XXXX ( XXXX XXXX ) account shows on all three bureaus with different information on ALL three as well. How can these credit bureaus gather information from random companies? but if I ( the person who your reporting on ) tell you it's false information you won't believe me smh. 

I even tried to send out " VALIDATION '' letters to these collection companies to understand how do I owe them and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX has rejected my mail at their XXXX XXXX XXXX address and it has returned back to me. I've tried another one of their other addresses on XX/XX/XXXX. When I look them up it only shows a number to call. 

Also on my XXXX report my student loan shows 7different accounts ( I have other ones in great standings ) these 7 accounts ONLY on XXXX there showing XXXX XXXX XXXX XXXX I'm LATE 120 days in each box ; HOW?? How, there is only XX/XX/XXXX days in a month. This is VERY disturbing. Ive reached out to The Department of Education about this matter. EXPERIAN an XXXX are reporting this company XXXX XXXX XXXX. 

Now EXPERIAN says my payment status is " CURRENT '' payment history shows " ok '' but on XX/XX/XXXX shows " CO '' high credit : {$9700.00} yet XXXX says payment status : " UNKNOWN '' and High credit : {$0.00} payment history isn't showing ; with different reporting dates. XXXX  is also reporting address that doesn't belong to me. 

I never lived at that place ( I can point out the address )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous attempts to contact experian regarding the unathorized inquiries placed on my account. I first contacted them back in XXXX, 2019 and again in XXXX. I have not been contacted regarding their finding nor have I sent a copy of my credit report. These unauthorized inquiries are causing other lenders to decline my loan application and has caused great stress.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX
Product: Debt collection

I have become a victim of identity theft and am desperately trying to be proactive in regards to protecting my self. On XXXX/XXXX/16 I sent CONN CREDIT CORP documents to remove my name off the fraudulent account and they have ignored my request and continue to collect. This has caused me so much anxiety. I never went to Conns an d signed any documents someone stole my information and forged my signature or something. The police ar n't any help either but they are powerless until they catch whoever did this. 

Please help me b/c Conns is still harrassing me and threatening me after I 've sent in the FTC Fraud Affidavit. I did research on the FACTA and it is very specific on victim protection. The CEO of this company needs to education his/her employees on identity theft. 


Thank you for being a voice of the consumer XXXX
Product: Credit reporting or other personal consumer reports

I was XXXX  on XXXX XXXX & entered the federal bureau of Prisons. I was XXXX on XXXX upon my XXXX I became aware that I became a victim of identity fraud. there were a serious of accounts opened in my name using my personal information without my consent. The accounts are listed as follows XXXX XXXX account XXXX. XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX all these accounts are fraudulent & I have filed & provided a police report as well as provided a letter of XXXX stating I was XXXX
Product: Checking or savings account

I opened my citi bank checking account on XXXX in a branch, they offered me a bonus of {$200.00} for opening an account with them. I still havent recieved the funds for the bonus and I have completed the requirements to obtain the bonus they offered and they even inputed the bonus code on my account. Bonus is for {$200.00} in 90 days i have to make at leasts 2 direct deposita totaling {$1000.00} and more from the day the account was open, and i have made over 5 time {$1000.00} direct deposits in the last 3 months and I still havent recieved this bonus. Im demanding my bonus because they sold me a whole checking account and all this terms and bonuses for me to do business with them and they are not doing their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, my auto loan payment was reported 30 days past due. I have reached out to XXXX in regards to resolving this matter being that I was inadvertently affected by the COVID-19 pandemic before we all knew what it all entailed. My payments have never been late before or after this month and they refuse to make this exception or notate my account, or offer any form of relief in this matter. I filed a dispute with Experian on XX/XX/2020.
Product: Debt collection

Enhanced recovery co {$470.00} debt, which only reports to XXXX   that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX, has violated my rights 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
Product: Credit reporting or other personal consumer reports

Inquiry placed on my file by a company I did not authorize to do so. XX/XX/2024 I did not authorize thos
Product: Credit card or prepaid card

Since XXXX XXXX & XXXX XXXX - XXXX, errors made in my account. 

Reporting me late when I was not late, they were confusing bank accounts on records, and there is money on both bank accounts. 

Giving credit $ per month for having auto pay & direct pay with bank account., and taken it out and not delivered on them. 

Reporting me late to the credit bureau. 

Changing the due date without notice, the date The I have since XXXX. 

And so on, Many errors they have made.
Product: Credit reporting or other personal consumer reports

Account listed as closed. 
Mailed debt validation letter on XX/XX/year> and haven't received ANYTHING back. They must delete this account if they can't validate debt.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting or other personal consumer reports

To provide some context about my complaint and dispute, during the years 2006 to the present, I have been seeking assistance to resolve this matter accordingly due to the following ; 1. Misrepresentation by School Advisors : During my time at Florida XXXX XXXX, XXXX received guidance from the school 's financial aid office that was misleading and inaccurate about receiving the Federal Student Assistance Grant and the Federal Family Education Loan Program XXXX I was told that certain steps or actions related to my loan repayment and forgiveness programs were either not necessary or would be handled on my behalf. Based on this advice, I proceeded without fully understanding the long-term consequences or required actions to stay compliant with repayment and forgiveness guidelines. 
XXXX. Errors by XXXX XXXX XXXX : I experienced repeated errors from my previous loan service provider XXXX. These errors included incorrect reporting of my repayment status, failure to provide accurate loan documentation, garnishing my wages, and a lack of communication regarding changes to my loan status. These actions contributed to my inability to manage my loan effectively and caused significant confusion regarding repayment obligations. 
XXXX. Lack of Proof and Documentation : I have requested specific documentation on numerous occasions, including details about the loans terms, repayment status, and eligibility for loan forgiveness, but have received either insufficient or no documentation at all. The lack of clarity and missing paperwork has left me without the necessary resources to properly track and manage my loan repayment. 
Given these circumstances, I believe I qualify for a loan discharge under the grounds of borrower defense to repayment. I have no diploma access and no transcript access due to the closure of the school. The combination of misleading advice, loan servicing errors, and inadequate documentation has caused undue hardship and left me unable to manage my loan properly. In addition, I do ask that you have the disputed account and remarks removed from my credit report profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Transunion has not acted in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need these accounts blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX  days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Product: Checking or savings account

According to Chase Bank NA 's system, at XXXXXXXX XXXX. EST, on XX/XX/2023, Chase Bank NA received a request for an ACH payment from XXXX XXXX of {$5600.00} for a payment from my account. At XXXXXXXX XXXX. EST, on XX/XX/2023, Chase Bank NA made available a direct deposit transfer into my account of {$8000.00}. However, Chase Bank NA organized the transactions to reject the ach payment request from XXXX XXXX for insufficient funds causing me additional transactional fees. However, I was in the online banking system at XXXXXXXX XXXX EST, and the XXXX XXXX transaction was posted, showing a negative amount in the account and requesting immediate payment to prevent overdraft fees. At XXXX XXXX  EST, when I checked the system it no longer showed the transaction but now showed the deposit. When I called to inquire as to why this happened. I was told the transaction was rejected for insufficient funds ( even though the funds were in the account- when the transaction was rejected ). This seems to be a pattern and practice with Chase Bank NA, when there are debits and deposits pending, Chase Bank NA process the transactions in a way that either rejects certain transactions ( causing return fees ) or charges overdraft fees ( even when the funds are there ). I believe I have been cost over {$2000.00} this year alone in fees. Each time I am told the system processes the transactions according to the order they are initiated, but my experience is this process has been programmed to cause as many fees to be generated as possible regardless of the order they are initiated. The funds for today 's deposit were available in my other banks ( XXXX XXXX XXXX XXXX ) as of XXXXXXXX XXXX. but not Chase. So I am left to assume this is purposeful. Chase Bank NA has not taken any action to make any of the fees or transactions right.
Product: Debt collection

CSO Financial sent me a debt collection notice on XX/XX/2016, claiming that I owe XXXX for " XXXX XXXX Overdraft & XXXX ''. 

I have never had an account at XXXX Bank, and I do not owe this debt.
Product: Credit reporting or other personal consumer reports

date XXXX XXXX XXXX  amounts XXXX $ I have an erroneous report in my credit history, by the company XXXX XXXX XXXX, ACCOUNT XXXX LOCATED AT XXXX XXXX XXXX, XXXX XXXX, MN XXXX IN THE AMOUNT OF {$910.00} WHICH IS AFFECTING MY CREDIT HISTORY AND IN THIS AT THE MOMENT THIS ACCOUNT IN COLLECTION IS HINDERING ME FROM OBTAINING MY RIGHT TO HOUSING CREDIT. 
I DO NOT KNOW ABOUT THAT TRANSACTION, I HAVE NEVER DONE BUSINESS WITH THAT COMPANY AND THIS IS WHY I DEMAND THAT IT BE REMOVED FROM MY CREDIT BUREAU XXXX, XXXX, EQUIFAX
Product: Credit card or prepaid card

Direct Express has held my funds are electronically against the electronic funds transfer act requested that my funds be released so I can have an accommodation made for me under the Americans with XXXX Act so I may purchase my medicine but that accommodation was also denied
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I received an email for a month of XXXX promo for 50 % off of my payback amount. I responded to the email XX/XX/XXXX. XX/XX/XXXX {$310.00} was deducted out of my account instead of honoring the 50 % off of {$310.00}. I reached out to the company via phone and waited while the representative went back and forth talking to someone about my email offer for the month of XXXX. The representative told me that they can not honor their XXXX promo because it was for the {$310.00} only. It didnt make sense so I requested to speak with a supervisor. The representative told me that I should receive a call from the supervisor in 30 minutes. No one ever called. I had to take out another loan that day because the money that was deducted from my account was deposited by my school that morning. The loan repayment was due XX/XX/XXXX, I was told that I couldnt use the XXXX promo for 50 % off for that loan After I received the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX credit Report # XXXX Dated XX/XX/XXXX. First Interstate Bank Account # XXXX. 
I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have, by dispute letter, many times, contacted XXXX, XXXX, XXXX, and XXXX, First interstate Bank has verified the information on each of the creiit reports. I will attach a copy of a document from XXXX showing the account and a copy of the loan history from First Interstate Bank. 
The reporting document from XXXX shows that account number XXXX First Interstate Bank was discharged through bankruptcy XX/XX/XXXX, This First Interstate account was for {$24000.00}. This account was REAFFIMED and paid in full ( 1st Error ) INACCURATE. The Payment History on the XXXX credit report stops XX/XX/XXXX WRONG. 
Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( 2nd Error ) Credit report dares are INCORRECT. While this loan covers 7 years the " Terms '' on the XXXX report shows NOT REPORT ( 3rd Error ) INCOMPLETE. 
The " High balance '' is NOT REPORTED ( 4th Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( 5th Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( 6th Error ) MISSING DATA. These errors from First Interstate Bank are also in XXXX, XXXX, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached First Interstate Bank statement you can see that the information on the XXXX report is very INCORRECT, Important Data has been left out. This credit report is not accurate and is incomplete.
Product: Credit reporting or other personal consumer reports

I have disputed the XXXX XXXX XXXX XXXX accounts and they still remain on my credit report. No documentation has been provided to me with my signature on it to verify these accounts.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.