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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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 the 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Detailed Description of Investigation Process Dear CFPB, I am writing to formally dispute inaccuracies on my credit report related to the account detailed below. I have identified discrepancies regarding late payments that are not consistent with my payment history. My last dispute on this matter was filed on XX/XX/XXXX, but the issues remain unresolved. 

I request a detailed description of the investigation process followed by your agency, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ). Credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute. 
Account Information : Creditor Name : XXXX CARD Account Number : XXXX High Balance : {$5000.00} Last Verified : XX/XX/XXXX ( Discrepancy : Missing in Experian ) Closed Date : XX/XX/XXXX ( Discrepancy : Missing in Experian ) Account Status : Closed ( Discrepancy : Both XXXX and Experian show " Closed '' ) Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX and Experian. XXXX did not report these late payments. 
I have consistently paid this account on time, as reflected in my personal payment records. The consumer reporting agencies are required to report information with complete accuracy. These late payments are inaccurate, and I am requesting an immediate correction of this information to reflect " Paid As Agreed Never Late. '' Violation of Federal Laws : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : The account 's payment history constitutes a transaction between the consumer and the reporting entity and must be reported accurately.

15 USC 1666 ( b ) : Agencies must ensure that periodic statements are mailed at least 21 days before the payment due date.

15 USC 1681i ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed information and correction of inaccuracies.

15 USC 1681s-2 ( a ) ( 1 ) : Prohibits the reporting of inaccurate information to consumer reporting agencies.

To support my claim, I have attached copies of my bank statements and payment confirmations for the disputed months. These documents verify that all payments were made on time and in full compliance with the agreed-upon terms.

Request for Action : Investigate the late payment inaccuracies and update the account to reflect " Paid As Agreed Never Late. '' Provide a detailed description of the investigation process, including the steps taken to verify the information.

Provide documented proof of the late payments, including dates, amounts, and relevant communication.

Update my credit report to reflect accurate information within 30 days, as required under the FCRA.

If you can not provide evidence to support the late payments, I expect the account to be updated promptly. Failure to comply with the legal obligations outlined by the FCRA, Consumer Protection Act, and Truth in Lending Act will leave me with no choice but to escalate this matter further.

Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I was checking my credit for the XXXX time in several years and I have a collection on a car loan from XXXX XXXX as the original loan and now turned over to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Phone is XXXX ) ) ) ) ) I have never applied for a car loan from XXXX XXXX and ca n't get any info on this company my credit report says disputed but is still unresolved and it 's been like 3 months and still on my report. I would like some help resolving this issue please I am always grateful when someone offers to help sincerely XXXX
Product: Money transfer, virtual currency, or money service

Hi, I transfer funds XXXX out of my bank account ( XXXX XXXX ) on the XX/XX/Aug2019 to purchase bitcoin   to my wallet with Coinbase, unfortunately it hasnt shown on my Coinbase account, I have contacted Coinbase many times via phone and email and all I get in the form of a response is its being looked into and we will get back to you for a bank reverse. I would like to add there on guidelines state it takes 3 working days??? its the XX/XX/XXXX and has gone beyond these guidelines. 
The only actions the company has taken is emails saying they will get back to me and it has been escalated .which has not happened
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

I signed up for the Sofi Credit card via a referral link. The link indicated we would both get ( the person who referred me and myself ) 4 % cash back for the first 30 days. We only recieved 2 % cash back. The company refuses to give the extra cash back.
Product: Credit card

I have been the victim of identity theft since before the age of XXXX XXXX XXXX as I had my social security card stolen when I was just XXXX years of age back in XXXX. Over the years I have had several cell phone, credit card, bank, and utility accounts opened in my name without my knowledge or permission. I filed a police report with the Normal Police Department in Normal, Illinois back in XXXX to report that a fraudulent credit card account had been opened in my name with the company SoFi Bank, N.A back on XX/XX/XXXX. I have disputed the account with all three credit reporting agencies since making the discovery back in XX/XX/XXXX and every time, SoFi has responded saying that the account has been verified as accurate and was not the result of fraud and they refuse to cease collection on the account and to stop reporting the fraudulent account to the credit bureaus and have marked the account as a charge off and referred the account to a third party debt collector named " XXXX XXXX XXXX '' which is ultimately damaging my credit history. They have stated that they never received the police report that I have filed in my complaint through the XXXX, however, it has been forwarded to them by the credit reporting agencies with each dispute that I have done since noticing the account on my credit file. This is my last resort before seeking legal action against this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : XXXX XXXX XXXX XXXX **Date of Birth : XXXX - **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX **Background : ** XXXX XX/XX/XXXX, EXPERIAN deleted the following information from my credit report XXXX DELETED. This deletion was based on This item was removed from your credit report. Please reviewed your report for the details **Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that Experian has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that [ Name of Credit Bureau ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Experian regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/TBOM/MILESTONE has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with GENESIS FS CARDSERVICES/MILESTONE XXXX  MASTERCARD/XXXX/MILESTONE, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting GENESIS FS CARDSERVICES/MILESTONE GOLD MASTERCARDXXXX/MILESTONE delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent your company my dispute on XX/XX/2022, which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. Therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple names appear on my credit report.
Product: Credit reporting or other personal consumer reports

Experian had a data breach ( hackers ) my information has been compromised and leaked
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent collection which is not mine.
Product: Credit reporting or other personal consumer reports

I contacted this company letting them know there were several fraudulent accounts, inquiries and personal information on my report due to identity theft. The company assisted in removing the information but removed my score after it went up. I have contacted them several times in regards to this but still no progress. It has been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm again requesting " credit freeze '' be removed altogether.
Product: Student loan

I attempted to get a deferment for a month. I was advised I still need to make payments during the deferment process. I was told my deferment would be applied to the month I requested over the phone. Now I am being denied because they said I kept making my payments. They have also reported my loan to the credit bureau for the month I requested a deferment for.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion refuses to remove invalid creditors from my credit report which has decreased my credit score the creditors in my credit report not mine and has been placed on my acount incorrectly and invlid.
Product: Bank account or service

I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( {$190.00} ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of {$190.00} to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I would wait another week. I was not given all the information, and was very frustrated because I am needing that money for food and gas. The merchant claims to have given back the money on XX/XX/XXXX and they e-mailed me that information, but my bank has no record of it. Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy showing on all my credit reports where never given permission I have called Experian to remove all bankruptcies information from my report I pay them monthly and constantly calling them about identiy theft on my report they have not done anything also with XXXX and XXXX.also XXXX,
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies XXXX XXXX and Early Warning Systems due to a recent denial in achieving a new bank account.

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

XXXX XXXX  Consumer ID XXXX Early Warnings Consumer ID XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy federal will not let me reopen my account due to collections that were paid back in 2018. They said I settled for less on the car loan which satisfied the account back then. They are stating I would have to pay {$3000.00} and they are trying to disregard the {$2100.00} I paid to settle the account. Essentially, they want what I paid plus {$3000.00}.
Product: Checking or savings account

I am applying for a grant, the grant entity needs my information to link my account to deposit the grant if successful, PNC refuses to allow this link.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violation inaccurate information showing on credit. Violation FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the unapproved request, today I'd like to inform you that there are still accounts on my credit file appears inaccurately, so for that, I would like you to help me to correct these accounts which I never been late to pay my credits. FCRA 605B requires to correct these accounts : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} ; OFFICE OF THE ATTY GEN XXXX  Balance : {$1800.00} ; OAG CHILD SU XXXX Balance : {$5100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair with the fair credit reporting act.the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 15 usc 1681 section 602A states I have the right to privacy.. 15 usc section 604 a section 2 states states a consumer reporting agency can not furnish a account without my written permission. 15. Usc 1681c a 5 section states 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 conviction of crimes which antedates the report by more than 7 years 15 usc 1681s-2 a1a.a person shall not furnish any information related to a consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect. Account : XXXXXXXX XXXX  account ending in XXXX amount XXXX .this account was fraud I provided documents to show I was XXXX  at the time this account was opened. Account # XXXX XXXX XXXXXXXX open date XXXX close date XXXX this account was opened up fraudulent ly the fraudulent department at XXXXXXXX XXXX contacted me we determined I wasn't the person XXXX opened this account they quickly and diligently closed the account before it could be used but the refuse to remove it after several attempts on my part to get them to do so.account # XXXX XXXX XXXXXXXX account open date XX/XX/XXXX close date XXXX this is my account someone made fraudulent charges on my debit card my payment for this credit card got declined I swiftly fixed the issue with my bank made the payment the credit card balance went to XXXX immediately the cc company said I committed fraud and closed the account it shows a XXXX balance but they refuse to remove or make it non derogatory. Account # XXXX XXXX  open date XX/XX/XXXX XXXX
Product: Checking or savings account

Capital one has been sent my payroll deposit on XX/XX/year> and they have not posted the money to my account. They are having a problem with a third party processor and can not give me a time frame of when to expect my money. This is causing all my bills to be paid late and incur late fees and charges.