23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In early 2022, I was notified by XXXX, after making a XXXX time purchase that they had opened a XXXX  credit card and XXXX. I told XXXX, it was the merchant who sent the sale through XXXX, not me, I hadn't a choice. XXXX nevertheless, coerced me to keep the account by making it near impossible to close the account to just leave it open. I never applied for, accepted or used the credit account. It was opened via deceit and fraud. For the past year I've done everything imaginable to get them to close the credit account and the XXXX account. They have outright refused! This known fraudulent account, they REFUSE to close. They're damaging my credit rating with each passing day. It's crazy. This is racketeering!! See attached. I don't even know the account number. Its issued through a third party company, Synchrony. Synchronization, I have other accounts with, this one isn't listed, they say only XXXX can close this credit account I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you are reporting on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. In accordance with the Fair Credit Reporting act section XXXX, I am requesting you to please remove the following fraudulent accounts and information off of my Credit File : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$7700.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$390.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX, XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2100.00} XXXX XXXX XXXX / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX. Please comply wit hthe Fair Credit reporting Act section 605b and have the disputed accounts and information removed from my Credit report as soon as possible.
Product: Debt collection

" I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of alleged, Debt nor therefore any such debt in fact exist 1 ) I demand validation of the alleged debt 2 ) I demand the methods used to validate the alleged debt 3 ) I demand a copy of the alleged original contract
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 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

And accordance with the fair credit reporting Act XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602A. 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

OBTAINED AUTO LOAN FOR A NEW XXXX THUR XXXX XXXX XXXXXXXX. PAYMENTS WERE MADE ON TIME. AN ATTEMPT TO REMOVE THE BANK ( TITLE FRAUD ) WAS TRIED AND FAILED. UNKNOWN OF ANY INFORMATION ON WHO WHAT WHERE. XXXX  XXXX XXXX CLOSED THE LOAN ON ME EVEN THO IT WAS IN GOOD STANDING AND IS NOW RUINING MY CREDIT. I AM NOT RESPONSIBLE FOR ANOTHER PERSONS ACTIONS AND SHOULD NOT BE LIABLE FOR THIS ACCOUNT SINCE I WAS LIVING UP TO MY END OF THE AGREEMENT. I VOLUNTARILY RELINQUISHED THE VEHICLE YET THE BANK IS STILL CHARGING ME FOR REPOSSESSION,
Product: Student loan

I petitioned for Firstmark Services to stop making harassing calls to me for over a year. I asked that they make notes, to my account, on several occasions. Each time, the representative said they would. The calls continued, followed up by emails, as I wouldnt answer. During this time, they called daily. I finally got fed up and responded to one of the follow up emails to which the representative said Since you have requested to stop calls, I will use this email as proof of a cease and desist. I will submit a request to get your account suppressed to stop the phone calls. 

The calls have stopped. 

So what is the complaint? This company continues to give misinformation. Continues to show lack of training and consistency across staff. After a year of requesting the same thing ( to which I looped into my initial complaint and received the following response : Contact Attempts Based on our commitment to serve you, we think its important to offer assistance when your account becomes past due for payment. In addition to your monthly billing statement, we call both you and your cosigners, [ I am redacting their names ], once your account reaches four days past due. Resolving your past due balance will prevent additional calls, referral to debt collector, and continued delinquency, which may be reflected in the loan data we furnish to the consumer reporting agencies for both you and your cosigners. ) I may not receive a response, as they threatened to stop responding on my second complaint, but I hope that this assists the next person in the steps to take to stop the harassment.
Product: Credit reporting or other personal consumer reports

I am making a CFPB complaint against Possible Finance INC and all 3 credit reporting bureaus. On XX/XX/XXXX, Possible Finance INC reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of Possible Finance Inc, XXXX XXXX. 

I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805. 

I am also making a complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXXXXXX  to the CEO of the company regarding the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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

I was looking over my credit report and saw that Santander Consumer USA Inc. was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a 2009 XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Product: Debt collection

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record  and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. EQUIFAX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on EQUIFAX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image XXXX XXXX is the non working Equifax online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and XXXX XXXX as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( XXXX ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX Credit Card with Account # XXXX } I also respectfully request to be provided specific proof that theses alleged late payments ( XXXX ) were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX Credit Card ) for accuracy. If they are unable to provided that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments? 

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than XXXX days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me, and a computation or similar accounting error on the creditors statement. Since I was not notified XXXX days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXresponded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting 50, yes, FIFTY, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By XX/XX/XXXX own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to XX/XX/XXXX, was payment activity, not use. The way XXXXXX/XX/XXXX is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. 

XX/XX/XXXXis actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries on my report that i noticed i didn't make and reached out to creditor to dispute inquiries .i will like assistance in removing fraudulent inquiries and i have a fraudulent account on my report i have included police report and affidavit as well as proof of identity.
Product: Student loan

I believe the amount that the student loans company states that I owe are incorrect.
Product: Checking or savings account

I issued two Real Time Payment transfers on XX/XX/21 from my HSBC savings account to a XXXX account, for {$1500.00} and {$2000.00}. The receipient claims the money never made it to them since their account does not accept RTP transfers and my bank says the recipient accepted the transfers and they need to honor it. I've talked and try to escalate the situation on both ends and keep getting the exact same reply. 
Given that HSBC is my bank, I've asked them for an official document that shows that the RTP transfer was successful and that XXXX accepted it, but they don't give me anything. I've raised two investigations and one recall request and they never update me, so I need to keep chasing them for ambiguous updates. It's been almost a month and a half and I'm in the exact same spot I was when I transfered the money.
Product: Credit reporting or other personal consumer reports

***SEE ATTACHED DOCUMENT! *** INCORRECT 60 DAY LATE on XXXX XXXX In reviewing my recent credit report, I discovered you are still incorrectly reporting a 60 day late payment on XXXX XXXX  in XXXXXXXX XXXX 

This is inaccurate, as I made the XXXX payment. 

See the attached screenshot directly from my Equifax site. 

It is literally impossible that I went from ON TIME AND PAID in XXXX to 60 DAYS LATE in XXXX. The math does not work. 

This is very obviously impossible and inaccurate. As a matter of law under the FCRA, this inaccurate data must be deleted. 

Please send me an updated copy of my credit report showing that you have deleted the incorrect late payment. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I received a notice that my credit card account password was reset. I called Bank of America to report that I did not request that my password be reset. They changed my password and I informed them that I also received notice that there was a cash transfer request to XXXX XX/XX/XXXXk that I did not authorize. I received notice that the transfer was cancelled. I then received another notice that there was another transfer request and again I called BOA to inform them that I did not make this request and that they need to cancel it. I received notification that the transfer was completed so again I called and told them that this was unauthorized. They said they will open a dispute and initially they did credit my account the money taken and the transaction fee involved. I later received a letter saying that they were denying my claim because the money was transferred into an account under my name. I asked BOA for the exact account number but they were unable to provide that information I made a report to XXXXXX/XX/XXXXk and they called me to tell me that they had no account under my name, DOB or Social Security number and that they needed the account number to further investigate. I mailed a signed affidavit and letter contesting the transfer on XX/XX/XXXX. On XX/XX/XXXX I mailed another letter, a copy of the police report, affidavit, and FTC complaint to BOA which was received on XX/XX/XXXX. I have received several letters denying my fraud claim from BOA and have yet to receive an answer pertaining to the alleged account number that my funds were transferred to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX  ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.
Product: Credit reporting

have been a member of transunion reporting service for over 10 years, went to check my report the other day and my service was cancelled and i was told i need to reapply and pay double my old rate. my credit card was still active and yet we never received any messsages about why they would have cancelled the service. they claim my card had expired yet it is could through XXXX 2016, then they said i cancelled the service which isnt true. when we contact them they shift us from on uneducated foreign speaking person to another. then they will not let us speak to a manager to escalate the issue and then finally provide us with name of a person who when we call to talk with him he is never in. finally whoever then we are routed to wants to start he discussion from scratch as if they have no notes of our complaint or our conversation. we have also filed a complaint of consumer frauf with the illinoi attorney generals office