23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit card or prepaid card

I apply for a credit card with Chase, I get approved and then they close the account right away then send me a letter saying that I have a previous bad relationship with them. I have no such bad relationship with them. They've closed my accounts in the past ruining my credit. They invite me to apply, once I apply they approve then they cancel my cards. I have no idea why they say I have a previous bad relationship. I've always paid my bills on time, never overdrawn my checking accounts.
Product: Money transfer, virtual currency, or money service

Money was being sent to persons from my account through Zelle that's was not authorized by me some years back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance : {$770.00} Inquiry : XXXX  Date of Inquiry XX/XX/2020
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. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I request that these fraudulent items be deleted from my credit report at your earliest convenience. I have a security freeze on my accounts, which should have alerted me before my credit was run. I did not receive any notification or alert to my credit being run for these accounts, which is concerning. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit regarding this incident. In addition I have attached a PDF document reflecting all items that were found to be unauthorized.
Product: Mortgage

I have reviewed every piece of correspondence provided to me issued by Bank of America since XXXX XXXX and no where do I find any statements addressing to the issues that may be litigated in California Superior Court. 
In addition to the issues raised in the XXXX XXXX, XXXX CFPB Complaint, the below matters have also been left unaddressed and unresponded to. 
The who ( which Bank of America Department and/or representative, including the title and duties of position as a Bank of America representative ), the when, and the why of the decision made by Bank of America not to provide me the Bank of America Appeals Department determination on appeal in writing of both the XXXX XXXX Appeals Report and the XXXX XXXX Appeals Report. 
The who, when, and why of the Bank of America decision to have the Bank of America Underwriting Department provide me knowingly false information releted to the Bank of America Appeals Department Appeals Reports and represent to me incorrect home loan mortgage account status, MHA HAMP and MHA HAMP TPP status. 
The who, when, and why Bank of America, through their representatives, were allowed to state in writing what amounts to multiple admissions of violations of applicable laws, regulations and guidelines including, but not limited to, the lack of knowledge and compliance of specific requirements agreed to under the Bank of America and the Department of Justice and States Attorney General related to and raising from the mortgage crisis and disstressed borrowers. 
The who, when, an why of the Bank of America decision to cause the Cease and Desist Code to be placed on this home loan mortgage account. Also, the who, when, and why Bank of America caused the Cease and Desist Code was removed from this home loan mortgage account. 
The who, when, and why of the Bank of America decision to initiate the foreclosure process when every Bank of America representative regardless of capacity, duties and responsibilities, who accessed my home loan mortgage account to conduct a review, make a determination, or to create and destroy account documents and documentation of the account, records, history, and prior determinations knew the true and correct status of this home loan mortgage account and the prior actions and decisions made on the account during and throughout the modification process ( as required by the various laws, regulations and guidelines ). 
Again, while Bank of America has provided written responses to prior CFPB Complaints, not a one actually addresses their actions and issues that arise from those actions on the part of Bank of America. I sincerely hope that Bank of America decides to make a good faith effort to address and resolve my long standing and on-going concerns this time around in my effort to avoid civil litigation and keep my home rather than continue on as they have been throughout the modification, loss mitigation, and workout processes as they relate to this home loan mortgage account and disstressed borrower. 
I did n't default on Bank of America , Bank of America defaulted on me.
Product: Credit card or prepaid card

I am reporting a fraud on my government Credit Card. I had my account hacked into on XX/XX/20 for 6 different cash withdrawals totaling {$530.00}. I made a dispute to Direct Express company regarding my fraud on my card. They took the information from me and said they will do a investigation now it's almost a month since this has happened and they act like they don't care and it's very hard to reach customer service took me to XXXX I also made a Police Report and told me it was fraud and told me contact DE again I did and they are dragging their feet and don't care, Please help me get my money back. Thank You so much.
Product: Credit reporting or other personal consumer reports

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
XXXX. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$32000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX Balance : {$0.00} This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX XXXX XXXX XXXX, Have no knowldege about .The account is not mine.
Product: Checking or savings account

There was a transaction on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$1400.00}. There was a transaction on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$1400.00}. I submitted three claims with Suntrust regarding the issue XX/XX/XXXX, XX/XX/XXXX case numbers XXXX, XXXX and XXXX. Suntrust closed claims stating information was incorrect and the rep stated how should it be filed. Suntrust stated they haven't received documents and a rep stated to email documents to XXXX which I emailed on XX/XX/XXXX atbXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent XXXX letters requesting all addresses and names be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, there was a 30 day late payment posted to my credit from WF/XXXX. I've had this card for 2 years with no late payments and the payment posted on time. Since then all payments have been on time. This is a discrepancy by Wells Fargo that needs to be corrected as this has dropped my credit score tremendously!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

This debt does not belong to me infact, the name and socal security numbers are mine in any shape of form. Someone is using my credit profile. I have asked for verifiable information and informed them that I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my credit report accurate, but am having a difficult time. As I have sent in over 20 certified letters, including my drivers license, current utility bill and any other documentation that is needed. This credit agency is reporting inaccurate information which s making it difficult for my daily living. There are inquiries that I have no knowledge of, including a business three/ four times the same day. Also, there is a bankruptcy that is being reported, but is inaccurate. I am trying to make sure my credit has correct information.
Product: Checking or savings account

XX/XX/year> XXXX {$20.00} transfer cancel on my end but still went threw and was taken XX/XX/year> XXXX {$10.00} payment cancelled by me was still taking out XX/XX/year> XXXX XXXXXXXX XXXX XXXX$24.00} XXXX XXXX {$24.00}
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged accounts removed from my consumer report. TransUnion Consumer Solutions, XXXX and XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Debt collection

First received a phone call from Paragon Collections demanding bank routing numbers to pay a debt. When I told the man calling that I needed to have written verification he said it would be mailed. Received nothing in the mail. Many weeks later I received a text message to call. When I called I again said I needed written verification. I was told it would be mailed right away. It's been several months and still nothing in the mail. It is now showing up on my credit report as debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This App using XXXX XXXX reports both companies ceasing to procedure 15 USC 1681b permissible purpose.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.
Product: Debt collection

XXXX is a debt collector for CASHNET USA. I do not own this debt and therefore it should be removed from all three major reports immediately. I have requested for this debt to be validated on several occasions and XXXX or Cashnet USA has failed to respond to my request. This debt seems to have been put on my report from identity theft
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protect ( CFPA ). Specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furth more, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in about the account that I wanted removed. I have rights under 15 USC 1681. Equifax, XXXX and XXXX is govern by 15 USC 1681 and they have violated my rights numerous of times. I demand the account listed below to be removed because Im trying to build my credit and get a house and this one account is holding me back. according to 15 USC 1681, I have the right to privacy and I did not give Equifax and XXXX and XXXX a written perission to furnish these account. 

please remover this from my accounts please # XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account is deleted with XXXX  on XX/XX/XXXX like its suppose to be, but XXXX XXXX XXXX  shows an active account with transunion report as of XX/XX/XXXX, please delete completely and send me a credit report from the 3 main credit Bureaus ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian obtained reported information illegally from a creditor which is XXXX which reported adverse information to experian about my consumer credit standing, & reported account delinquent because I failed to pay the alleged debt which is a direct violation of 12 CFR 1026.13 ( d ). Also the statute of limitations on debt in Texas is four years according to Section 16.004 of the Texas Civil Practice and Remedies Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given these Consumer Reporting Agencies plenty of times to remedy the issue. Here is my XXXX report showing NO BANKRUPTCY on my file. The credit report agencies have previously claimed this information has been " verified '' with XXXX, however it shows no where on my MOST RECENT XXXX report that this alleged bankruptcy has taken place. Remove it immediately. It is against the law to keep things on my consumer report that I am PROVING are not verifiable via XXXX. I have attached my most recent XXXX report showing NO bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 12345, has violated my rights.

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$45.00} XX/XX/XXXX XXXX XXXX {$710.00} XX/XX/XXXX Specialized Collection {$730.00} XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX {$2200.00} These dates and any other improper use of reports sent out against me was and is direct violation of my right which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed this account previously -- - each and every time they claim that they have verified and information are correct. But they had failed to properly investigate the information as I found several incomplete and XXXXnaccurate information across all 3 bureaus for this same account. 
Company said they verified -- - however, there are missing payment data for years, the date last active, date last paid, date last reported, date of status update were either missing or incorrectly, incompletely reported.They said its verified as accurate but failed to update the date last reported. In addition, there should NOT be any activity after the account is closed or charged off -- - yet some of these are incorrect, inaccurately reported. Reports also had different dates. Delete this account as Notice of disputes, date last disputed were missing, incomplete or inaccurate and not entered within 30 days of receipt -- -this account MUST BE DELETED for violation of Section 623.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are inaccurately reporting charged-off account that is not in compliance with FCRA laws , IRS regulations and my Consumer rights. I am entitled to the METHOD OF VERIFICATION and a 1099-C for cancelation of debt. This creditor didnt follow FCRA Laws and IRS regulations. 

XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE REPORTED {$660.00} THIS IS NOT IN COMPLIANCE WITH IRS REGULATIONS 26 CFR 1.6050P and lack of 1099-C, 15 U.S.C 1681i ( a ) ( 7 )