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

Reporting wrong info for some time now. I have submitted supporting docs showing has has {$0.00} and closed and now as of today, XX/XX/2018 they are still reporting a balance. Again, i have proven to them that the account has been taken care of and they refuse to update correctly on report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes particular 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 fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBS findings indicate that ZELLE has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam. 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

This is not a DUPLICATE report and this is not filed by a XXXX XXXX. 

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( XXXX ) 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. 

15 USC 1681 Section 603 ( XXXX ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681b ( a ) ( XXXX ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( XXXX ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Money transfer, virtual currency, or money service

I paid the wrong person on Venmo! 
Back in XXXX of XXXX I paid an old friend a substantial amount of money ( XXXX ) when it was actually meant to go to his dad! Same last name, same friend group. 
I reached out to the old friend asking if he could return the money but refused multiple requests and chargebacks on Venmo. 
Soon after I realized it wouldnt work I filed a chargeback with my bank who thankfully halted the transfer from my account. 
Now Venmo is sending me emails and letters that my account is overdrawn and I need to pay them XXXX dollars to reopen it. 
I dont want this to go to collections but I feel I have no right to pay this due to the fact I tried everything possible in my power to right the situation including contacting Venmo support who said they could do nothing because we had previously made payments to eachother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need incorrect addresses to be removed from my credit report, please.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, a similar credit reporting institution, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, acceping unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

Due to Covid19 I pulled my credit report, and Noticed 2 FRAUDULENT ACCOUNTS. This is ruining my credit, and way to survive during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I submitted a complaint to Equifax stating that they have an incorrect SSN for me in their file and sent them all supporting documents. They sent me a letter on XX/XX/XXXX stating there was nothing wrong and the SSN reflects correctly on my file. On XX/XX/XXXX I tried applying for credit with XXXX and it again reported that the system could not validate my SSN  with Equifax. When I called them on XX/XX/XXXX their customer service representative told me that they had an incorrect SSN on the file and their last letter informing me that there was nothing wrong was incorrect and they could not tell me the reason why the record was not corrected when I initially complained to them. This repeated failures on the part of Equifax to correct my records in their system has led to my credit applications being declined from multiple financial entities and have led to a situation where I have to be dependent on my parents for credit. The other 2 credit reporting agencies reports all data correctly. In spite of contacting Equifax several times last XXXX and in XXXX they failed to fix the issue and has caused great financial harm to me and I have not been able to build my own credit history. I request a thorough investigation of their internal processes, identify the cause of repeated failure to address my concerns and compensate me for causing irreparable harm to my financial profile and credit worthiness. In my call with them on XX/XX/XXXX they indicated the issue would be fixed in 48 hours but I do not trust them anymore and request investigation of their failures.
Product: Checking or savings account

Marcus is up to their old tricks again. I've been trying to get all my money out of that place for over two weeks. Apparently, they don't like that because they continue to decline to execute my transfer instructions.

Three days ago I received a call from XXXX. She was very professional and very apologetic. She assured me that Marcus has resolved all their internal problems, my accounts would be immediately unfrozen, and my transfer requests would be honored going forward. That turned out not to be true. Today I received a call from a XXXX  individual who said his name was XXXX. He asked if I had authorized a {$22000.00} transfer to XXXX XXXX. I confirmed that I did. Then he asked me a series of questions which I dutifully answered correctly. Then he declared that he had decided to decline my transfer, refused to tell me why, and hung up on me. So, I called into their Security department and talked to XXXX, who claimed to be the XXXX of that department. I got the same treatment from him, interrupting me, then telling me I could not have access to my money before he hung up on me. 
I'm still trying to figure out why they called me. After verifying that I was the depositor and my intention was to transfer MY funds to XXXX XXXX, they still insisted on preventing my transfer instructions to go through. Makes no sense. Are they running low on cash over there?
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting on my credit report. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Student loan

as we all know all student loans is not to start the repayments until XXXX how Navient has placed late payment on my credit report in XXXX of XXXX also placed a late payment on my credit report in XXXX of XXXX for interests. I want them to stop harassing me about the payments that is not due yet. i need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In me and my husbands attempt to secure a mortgage authorization letter, I worked with a lender beginning on XX/XX/2020. On 5 occasions, 1 original applications and the 4 follow-up applications, the lender received notification from the credit bureaus ( XXXX, Equifax and XXXX ) with the messages that our credit are frozen and not available as show at the bottom of this communication. Two notifications came across our cell phones on the 5 times which we responded to the request to allow access to our lender. I've tried numerous times over the last 5 weeks to resolve this with the credit bureaus which is impossible as no agents are available through the VRUs to assist - especially with XXXX. 
We have probably 12 different numbers that we have tried with the 3 bureaus Working on- PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes XX/XX/2020 Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print? sessionidXXXX XXXX We have probably 12 different numbers that we have tried with the 3 bureaus. Working on line with our 3 credit bureau accounts for my husband and myself, we see that there is no credit freeze on all accounts, and no fraud-alerts on 2 bureaus ( XXXX  and Equifax ). 
XXXX doesn't allow fraud alert removals on-line. It was our thought process over all these weeks to remove all freeze and fraud alerts so facilitate the lenders ability to get to our credit data. We intend to put the freezes and fraud alerts back on the our 3 credit bureaus account when our lender successfully pulls the credit report data. This has left us exposed to fraud which is usually available through the credit bureaus in the meantime. We can't get anyone to help us with the 3 bureaus to even understand what the problems is. I sent registered letters to the 3 credit bureaus on XX/XX/2020 to ask them to remove all freezes. We are at a loss of how to get our credit information made available to our lender which is hampering our ability put an offer on a home. Sincerely, Consumer Referral Information EQUIFAX INFORMATION SERVICES LLC | XXXX XXXX XXXX   XXXX XXXX, GA XXXX | XXXX | WWW.EQUIFAX.COM XXXX | XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX | XXXX | XXXX : XXXX XXXX XXXXXXXX | XXXX XXXX  XXXX XXXX, TX XXXX | XXXX | XXXX Error : FROZEN BY CONSUMER AS ALLOWED BY STATE LAW. TO SSN DOB TRU Applicant Co-ApplicantINFILE REPORT : Page 2 of 3 OBTAIN ACCESS YOU MUST OBTAIN AUTHORIZATION FROM THE CONSUMER AND PROVIDE THE REQUIRED IDENTIFIER WITH YOUR Co-Applicant Error : CONSUMER REQUESTED SECURITY FREEZE ON CREDIT FILE - REPORT UNAVAILABLE
Product: Money transfer, virtual currency, or money service

Money was not properly handle transfer fake robots customers service
Product: Credit reporting

In my initial FTC report, I did n't notice some fraudulent inquiries that also need to be disputed resulting from Identity Theft.
Product: Debt collection

I was a victim of Identity theft close to 2 years ago. I got a message that I had an account with XXXX XXXX XXXX. I called them at the time and advised that I made no such account and that my identity was stolen. I had sent them a Dispute letter to the company for XXXX as well as a FTC notice to Furnishers as per the FTC ( reference number available it needed ). I have called multiple times to XXXX XXXX XXXX and got confirmation of no account however I was called by a debt collector ( Sunrise Credit Services ) about a debt. I have not received any paperwork and a single call and as such I thought this was a scam. I went on vacation and came back to find that my credit score has dropped more then XXXX pts due to this collection. I have placed a freeze on all credit accounts. I would like to have this removed and for Sunrise to send by certified mail the identity theft documentation and demand that the collectors retract their reports to credit bureau 's.
Product: Prepaid card

On XX/XX/scrub>XXXX XXXX XXXX at ( about ) XXXX XXXX XXXX, I made a withdrawal for XXXX from a US bank ATM XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After initiating the transaction the ATM shut down, keeping my debit card and the XXXX dollars but deducting the money from my account. A claim for the funds was denied twice by XXXX violating consumer protection laws and regulation XXXX compliance by not conducting a through investigation. My account has been deactivated, wrongfully denying me accesses to my funds and the XXXX dollars has been charged off affecting my credit
Product: Checking or savings account

Captial One has succesfully verified my identity and refusing to close my account to give my remaining funds. I have called and spoken to multiple customer service reps and no one can confirm the letter i was sent from the company about my complaint. I have submitted my ID over 20 times and even went in person to a capital one cafe and they asked if i had my passport when i already came in two IDS. My state ID and social security card with multiple cards with my name on them.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry completed by XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/23 under my identification : Trans Union reporting : best resolution is to hard inquiries remove from the Trans Union reports from XXXX XXXX XXXX - submitted XX/XX/23
Product: Debt collection

I received notification of a debit that was posted to my credit report however no prior attempts were made for the debit to be collected. This debit was involved in a XXXX 's compensation case, I had contacted both the collections company and the original debtor to advise them that this was to be taken care of in a XXXX  's comp coverage, I had supplied them with the state case number, the XXXX  's comp case number and phone number. They fail to suspend the debit for further investigation and or cease collections along with report to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and cred.it inquiries on my credit report without my knowledge I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I am a victim of identity theft. I have attached the FTC report below along with my driver 's license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX 3 days ago and told him I didnt make or authorize these inquiries on those dates. He said he has a legal right to publish them regardless of my complaint and I cant record him while I tired to correct the issues. He also hung up on me n blocked my number from a live USA rep. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in XXXX for my Yearly Free report. I was ignored by this group. I called again in XXXX .. 
My Father received a communication at my address. I am not he. I sent another Request Via USPS in XXXX. 
My Father received a communication again from this group at my address. I am not he. I am being denied my Credit Report AGAIN from this group. 

This is a constant, Annual event.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$85.00} XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS BANK OF AMERICA CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 
I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
I understand the importance of accurate credit reporting, and I trust that your investigation will lead to a fair resolution. I appreciate your attention to this matter and request that you provide me with updates on the progress of the dispute. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me. 


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