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

Experian is reporting a credit inquiry from XXXX XXXX on XX/XX/year>. This was not authorized by me and I have disputed this inquiry as a violation in accordance with 15 USC 1681 ( b ) of my consumer rights. I have not provided permission for anyone to inquire a copy of my consumer report or for Experian to report the following inquiry on my consumer report therefore Im requesting deletion of this inquiry. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late PAyment XXXX XXXX XXXX XXXX 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

In accordance with the fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX has two accounts shown, US DEPT OF EDXXXX XXXX  XXXX, 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 : 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

writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submission, XXXX consistently responds within 24 hours, stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 u.s.c 1681i, Which mandates a reasonable dispute investigation. Furthermore, XXXX [ 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 u.s.c 55361 ( a ) ( 1 ) ( A ) - ( B ), as highland in the CFPB [ S recent administrative proceeding ( FILE NO XXXX ) against them for taking action to ensure XXXX complies with federal law and provides computers with the necessary proof of investigation.
Product: Checking or savings account

Im a loyal discover member I deposited money in my discover bank back in 2021 back in XXXX. 
XXXX XXXX XXXX  TAKING MONEY OFF MY DISCOVER ACCOUNT REVERSAL OF ACH DEPOSIT CAUSING ALL MY DISCOVER BANK ACCOUNTS TO CLOSE
Product: Credit card or prepaid card

I contacted American Express Blue Bird on XX/XX/2018 about XXXX charges for products that I purchased, but never received on the expected delivery date because the company closed. I contacted American Express Blue Bird as soon as I received an email from the company ( XXXX XXXX ). I explained to the dispute resolution specialist that I had purchased these XXXX products with an intended delivery date and that before that date I received an email from XXXX XXXX   stating that effective immediately that were closing there business. That XXXX XXXX 's phone number was disconnected. I also tried emailing them, but never received a response. I provided the information requested by Blue Bird as soon as I received an email from them. It has been over 2 weeks and I can not seem to get any information form American Express Blue Bird now. It's beginning to look like I'm getting messed over twice.
Product: Credit reporting or other personal consumer reports

I checked my account on XX/XX/year> and found that my account had been substantially overdrawn in which I contacted my banking company XXXX XXXX  XXXX XXXX ) immediately to notify the bank, they agreed that it looked fraudulent and immediately closed out that account and card. They gave me a new account number and new card. Months later I see XXXX XXXX XXXX on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft. The fraudulent items listed above are not authorized by me, and I have never had any association with these accounts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account balance, nor do I recognize the late payments associated with the account.
Product: Credit card

After receiving a email for the Company I am employed with regarding a garnishment i immediately reached out to LVNV and the Law office that was sueing me making them aware that this was not my account. They told me the documents that had to be submitted and I submitted those documents and did a dispute. After 30 days the dispute was closed and LVNV stated that the sue was already in process I had to contact XXXX XXXX. XXXX XXXX told me it was not their job to prove this account was not mine it was my job. I have turned it everything possible stating this account is not my account, I have never had an XXXX XXXX account. I would like this removed and dropped please.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that this matter is permanently closed. Your continued silence is unacceptable. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can not obtain housing due to the violations on my credit file. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns 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 was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

I spoke with CapitalOne " senior account XXXX XXXX '' today regarding the excessive and improper annual membership fee and subsequent late fees and finance charges on my XXXX XXXX credit card account ending in XXXX. Notwithstanding that {$59.00} annual fee is excessive in the first place, it is improper when I rarely use the card, and therefore do not receive any of the benefits, notably the % cash back that CapitalOne advertises. 

In prior years, CapitalOne customer service agents had the authority to remove the fee ( s ) as a customer accommodation, but apparently now they do not. Adding insult to injury, there are XXXX subsequent months ' of late fees and related finance charges, AND, CapitalOne is reporting the card account as delinquent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Product: Checking or savings account

On XX/XX/XXXX of 2021 I closed 2 accounts with Wells Fargo bank upon anticipation of a strategic move to another state. 
The personal banker I worked with tried to tell me of a new account closing procedure that no-one understood and were having problems with. 
The amount was {$340.00} and some change in the account. 
I was assured a cashier 's check would be overnighted to a new address so I waited 3 days, ( this happened on a Friday so I had to wait until Monday to go back to the branch ) and received no check. They had no check number or tracking number for my money, they wanted me to pay a {$35.00} fee to cancel and resubmit the check. What check? They didn't have proof one was ever issued much less know where it was. 
The delay of their error made my plans delayed for 5 days costing me a job opportunity and multiple financial distress 's. 
I have been in constant contact with Wells Fargo only to get shuffled around with automated responses that have done nothing. I have done numerous 3 way callings only to be here talking to you. 5+ weeks.

My bills are in arrears and my phone has been turned off as a result. My only communication is by email and that does not allow me 2 step verification to access any of my personal accounts. 
This has and is still causing major financial distress with late fees and no payments accruing daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference CFPB Complaint # XXXX. 

I have received credit reporting history from Equifax via US Postal Mail. Equifax maintains that XXXX  reports " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *MONTHS REVIEWED. If you have additional questions about this item please contact XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Phone ( XXXX ) XXXX '' Equifax is XXXX informed that XXXX has not told you the truth. A payment to XXXX in the amount of {$650.00} for the month of XXXXXXXX XXXX XXXX was paid on XX/XX/2022. Per the documentation I have received, it is shown that the month of XXXX was " reviewed '', but the date of last payment was XX/XX/2022. I have multiple pieces of evidence that proves this to be completely inaccurate and I can provide copies of my ledger history and screenshots of the online XXXX account. According to what I see, XXXX maintains that the account is currently past due by XXXX days. This is NOT CORRECT. If Equifax can not hold finance companies accountable, then I will have no other choice but to escalate the matter. 

Please diligently investigate claims instead of lazily sending what finance companies " claim '' without getting to the bottom of the complaint.
Product: Credit reporting or other personal consumer reports

For more than a year I have had automatic payments without any problems. I have the same card that I can show evidence that it has not been changed for a new one, I have the same number, expiration date and security code. XXXX XXXX XXXX XXXX says that they tried to collect the payment but my card did not pass. I have proof statements that there are sufficient funds in my bank that I can send proof and also that there are other payments and transactions that were made with the card that they say does not work. I called XXXX times and tried to explain that the problem is not my card, nor my bank account, they asked me if I changed my card and I answered no and they told me that they couldn't help me. My credit is under XXXX Points and my wife 's is XXXX. If it were our fault I would not take the time to fill out this complaint. Any proof you need of the above I am willing to send.
Product: Credit card or prepaid card

Hello, I have a AMEX Blue Cash Preferred card and I just canceled the card but the question is that there is {$96.00} balance ( reward ) in my card and the company won't give back to me. So I request the company give back to me the money.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Product: Debt collection

Hello. This is in regards to Caine & Weiner. As a debt collecting agency, they are attempting to collect a debt for a debt that was included in a bankruptcy. I have called, written multiple letters, and even provided them with a copy of my Chapter XXXX discharge paperwork. 

I have requested a copy of proof of debt and/or a reaffirmation letter which would have excluded this debt from my bankruptcy. All of my requests have been ignored. 

I have also disputed this item in writing with all three credit bureaus and the outcome is always the same. Account included in debt or updated. 

This is inaccurate. I do not have a debt with Caine & Weiner, therefore the credit bureaus should not be allowing this account to update. My debt was with progressive insurance and because it was discharged via Chapter XXXX, Caine & Weiner should never have received this debt. 

Caine & Weiner, XXXX, XXXX, and XXXX ALL have failed to provide with documentation validating this debt. The ONLY validation would be a reaffirmation agreement between myself and XXXX, approved by the bankruptcy court. Again, they have all failed to comply and have completely disregarded my requests. This seems as a direct violation of not only 11 U.S. Code 524, but of my rights as a consumer.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX at XXXX, someone stole my card information and made two {$50.00} charges in XXXX XXXX TX at an XXXX gas station. I live in XXXX XXXX. I let Cash App know that those purchases were not made by me and that my card information was stolen. Cash App told me that they won't refund those charges because they weren't suspicious. Cash App refuses to refund stolen money back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and complaints to XXXX equifax and XXXX about the inaccuracy of the information on my credit report it has been more than 60 days since XX/XX/2021 and they haven't responded to any of my letters ether they are straight up ignoring my letters or taking advantage of me or both. I clearly stated that all three have failed to look into these items and investigate them or responded within a reasonable time of 30 days since it has been well over 30 days its been 60 days! I would like these items removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Product: Mortgage

Shellpoint Mortgage Servicing has not paid the insurance companies from our escrow account, despite numerous calls and emails ( with both the insurance companies and Shellpoint copied on the emails and, at different times, included on the calls ). We have already paid over {$600.00} out of pocket to cover the insurance premiums ( in order to avoid cancellation of the policies ). These premiums should have been paid by Shellpoint.
Product: Credit reporting or other personal consumer reports

What happened : On XX/XX/2024, I sent formal Cease Communication Requests to XXXX XXXX regarding two accounts : one with a balance of {$8500.00} ( Account ending in XXXX ) and another with a balance of {$1700.00} ( Account ending in XXXX ). These requests were made under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), instructing American Express to cease all communications with me regarding these debts. Additionally, I requested that they correct the inaccurate information they were reporting on my credit reports. 

Despite these formal requests, American Express continued to communicate with me about these debts. On XX/XX/2024, I received further correspondence from American Express, in which they failed to address my requests and continued to report the accounts as " charged off '' without resolving the underlying issues. This ongoing reporting of incorrect information is causing significant harm to my credit score and financial standing. 

The incorrect information related to these debts remains on my credit reports, showing misleading details such as inaccurate " potentially negative months '' and incorrect statuses. These errors need to be corrected immediately to reflect the true status of these accounts. Furthermore, the accounts should be automatically removed from my credit reports at the appropriate time, in compliance with the Fair Credit Reporting Act ( FCRA ), which stipulates that such information should not remain on a credit report beyond XXXX years from the date of the first delinquency. 

This situation has caused significant stress and financial harm, and I am seeking immediate correction of these errors and appropriate compensation for the damages incurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX, XX/XX/XXXX. I have read enough to understand my rights. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

When I applied for a CC I was prompted that I will be contacted soon. I know I have a Fraud alert on my account, The process is the same I call in and Verify my identity. when I called in I was transferred to Application Fraud Department and XXXX was unhelpful Belligerent and rude to me. When I offered to verify my identity he stated he declined my application. He did not allow me the opportunity to verify and I asked for a supervisor in which XXXX responded rudely " They will tell you same thing '' and tried hanging up on me until I repeated several times to get a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies including XXXX, XXXX, and Transunion to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave XXXX, XXXX or Transunion permission to put the following accounts XXXX XXXX ( Account # XXXX ) and XXXX XXXX/ ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  on XXXX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

XXXX, XXXX, and XXXX are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A. 

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.