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

I reviewed my consumer reports and noticed that i had XXXX 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 en payments for the accounts that i have included screenshots inside this complaint in on dates of ( XX/XX/2023 ) and ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. if proof cant bo 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: Credit reporting or other personal consumer reports

Under the FTC law and my report filed these 2 inquiries need to be removed from my report. I " am now seeking damages of {$1000.00}
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 zeal failed to investigate my claims adequately they have 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 also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy thats reporting on my Experian credit report multiple times. Experian has verbally told me and written on my credit report that XXXX verified that the bankruptcy belongs to me. I disputed the inaccurate information with XXXX and it was removed. I sent the letter from XXXX to Experian stating that it was removed but Experian continues to report the bankruptcy and states that it is being verified by XXXX. How are XXXX verifying the bankruptcy account thats not on my XXXX credit file? I recently sent a certified method of verification letter along with a few pages of my XXXX file that shows that there isnt a bankruptcy reporting. The tracking information states the method of verification letter was received by Experian on XX/XX/2020 and it is now XX/XX/2020 and my dispute has not been opened. I am fed up with the unprofessional and uncaring handling of this matter. This is my final attempt to get a accurate solution before I file legal charges against Experian. I am attaching proof of everything that Ive stated and everything that Ive sent to Experian prior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified. 
Incomplete Information : Certain details are missing or inconsistent across different credit bureaus. 
Credit Bureau Reports : Transunion : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 





Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filling a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfers Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contact eqifax about the inquries being wrong multiple times with no resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/year> is showing as closed and the account is open and in good standing, also the balance is incorrect on all reports and also not showing on equifax. information on terms is missing from equifax and XXXX also payment amount is missing and comments are incorrect on experian and transunion comments are missing
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that in XX/XX/2021 there was a account with XXXX XXXX that was unpaid under my name that does not belong to me. I opened up a dispute with both experian and XXXX about this account that didnt belong to me. I got notification that my dispute was closed because XXXX confirmed the information is accurate. Each time I have spoken to the fraud department at XXXX they have not been able to tie any open accounts to my name or social so I dont understand how they are able to verify this inaccurate information. My credit score is clean and I have not defaulted on any of my payments in the past. This inaccurate report is affecting my credit score and report and I cant seem to get it taken care of appropriately.
Product: Debt collection

Reported negative credit without a debt validation letter From Midland Funding LLC. 

Debt Collector sends all letters and communication in XXXX language only to purposely confuse me. 

Repeated demand letters to Midland Funding to send communication s in XXXX result in further communications in XXXX from Midland Funding in order to confuse me. 

I am A USA Citizen speaking USA XXXX only. 

My reputation has been tarnished by this company, My ability to obtain low interest loans and leasing and automobile for work has been compromised. Insurance companies, Employment has been compromised due to low credit score due to Midland Funding LLC violating collection law.
Product: Credit reporting or other personal consumer reports

I have inquires that i did not authorize and that i tried to resolve and til this day they are still reporting on my credit report which is hurting my score to get approved.
Product: Mortgage

On or around XX/XX/2023 Cascade XXXX sent a check to my county tresurer for somewhere in the neighborhod of XXXX dollars for property taxes. I have a property tax exemption. The tresurer called me and said she could not cash the check and would send it back to Cascade XXXX with an explanation about the tax exemption and siad I should call Cascade also to tell them, which I did do. I talked to someone in the tax department and explained the tax exemption. As of this date XX/XX/2023 I have made 3 or 4 calls telling them to fix my problem and nothing has happen. In fact they are still collecting taxes on my property. Oh and the XXXX XXXX check that was returned has mysteriously disappeared.
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX license # XXXX, has and continues to attempt to trespass on my private property. Description 2018 XXXX XXXX XXXX XXXX vin XXXX My private property is in possession of my private trust and if trespassed again, this company agrees to compensate my trust {$10000.00} per day. This is a public notice. Any attempts after this notice is received constitutes as theft and trespass. My private property does not have a lien on it.
Product: Credit reporting or other personal consumer reports

Transunion provided they verified bankruptcy # XXXX with the US Bankruptcy court - Nevada also XXXX Bankruptcy # XXXXXXXX  Transunion claimed was verified directly with US Bankruptcy court state of Nevada this is an error or a lie!!! 
I also contacted the Fraud department at Transunion who stated verbatim that this is not correct!! They have no correspondence at all with The Court House directly therefore, this is an error or a lie!!! Either way pursuant to USC 15-1681, 1682 according to the FCRA Im entitled to a fair credit report!! Transunion has affected my rental screening history, my integrity, my livelihood and most importantly my consumer report this is false fraudulent information, it needs to be deleted immediately I am also entitled to monetary compensation!!!! I provided all documentation proving these are not my bankruptcies you cant even legally file this close together!! The only time I have ever filed bankruptcy was in XXXX which was discharged!! They have my police report as well as all documentation on file!!! This should be deleted immediately if not I will contact my attorney as this is a direct violation of 15-USC 1681 , 1682 Sincerely XXXX XXXX Transunion file # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXXXXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Subject : Unauthorized Account Reporting Request for Investigation Dear CFPB, I am writing to formally report an unauthorized account that has been erroneously attributed to my name and to request your assistance in resolving this matter. 

I recently discovered that a Southwest credit card account has been reported on my credit report, which I did not authorize. I promptly reported this issue to Chase, the issuing bank for the credit card. However, they have failed to remove the account from my credit report, stating that the account is valid based on a phone verification process.

I want to bring to your attention that the phone number ending in XXXX, which Chase referenced during their verification process, is a landline. This verification could not have been conducted with me, as my current cell phone number is XXXX. Therefore, I believe that the verification process was flawed and did not accurately confirm my identity or consent.

I demand that the Southwest credit card account be reported as fraudulent and removed from my name and credit report. This account does not belong to me, and its presence on my credit report is causing me significant distress and potential harm to my creditworthiness. 

Please investigate this matter thoroughly and take the necessary steps to rectify this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was working on my credit and I was thankful and excited to see my score going up. I had planned on getting one card and possibly a small loan and would work on my credit for a year or two. While at my parents home, I mentioned to my family that my score was going up just as any child would tell their parents to make them proud. I didnt realize it at the time but my brother in law had several of his friends and family over that day but I didnt think I was loud enough for someone to hear that I was being sent credit card offers from capital one, XXXX XXXX, XXXX XXXX XXXX  and more. I thought I could trust eveyone in the room but there were a few I didnt know. Now I do not know if this is how the fraud started but I do remember talking about Capital one and a couple of other banks sending me card offers because I was excited to see my credit growing after 10 years!! A whole year went by and I didnt know what was going on at all. 

In XX/XX/2022, I found out that a Capital One credit card for the amount of {$300.00} had been opened in XXXX of XXXX, a limit of {$600.00} with XXXX XXXX through XXXX XXXX  and several credit inquiries preformed on my credit report. The XXXX XXXX account was opened near the same time as capital one. I immediately emailed and told capital one and XXXX XXXX  that I was a victim of fraud. Capital XXXX stated they would send me documentation of any charges and dates but I had to go get information myself. 

I didn't write the companies but I did call and did everything I knew to do but maybe I did something wrong. I say that because now I have charge offs on my credit report for capital XXXX and XXXX  XXXX. The credit collection agencies are XXXX bank for XXXX XXXX for {$410.00} ( a settlement ) and XXXX XXXX Incorporated for Capital One for {$470.00} ( settlement ). 

What do I do now???? I need to get my credit report updated and be able to apply for a credit card that I am being sent preapprovals for as well as a personal loan but this sure has messed things up for me and my credit score is low when I need to be able to make payments on items by getting approved for a card and/or a loan so that I can. Afford the items I need. 

Please let me know what to do. 

Thanks! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
Product: Credit reporting, credit repair services, or other personal consumer reports

The results of me trying to inquire on my credit I come to find out that my personal information including my Social Security number has been compromised to open up Fraudulent accounts I was advised by the credit bureaus to Submit this form I hope that by doing so it will bring it to a end
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2016, I called my bank, USAA ( XXXX ) to initiate a stop payment on an {$800.00} check for the reason that I had already made the payment over the phone which was significantly less than expected. The check was to be sent by USAA to a credit union ( XXXX XXXX XXXX XXXX ). According the USAA representative, the stop payment was initiated successfully. 
However, on XXXX/XXXX/2016, while looking at my account, the check in which the supposed stop payment was successfully initiated had indeed gone through anyway for the {$800.00}. This caused my account to go into the negative, and initiated an automatic {$400.00} cash advance from my credit card in order to cover the cost. I then called USAA to ascertain why the check had gone through even though a stop payment was initiated. I was told that the representative I had spoken to on XXXX/XXXX/2016 made an annotation on my account in regards to the stop payment but did not actually initiated it as requested. The representative then kept apologizing but told me that there was nothing they could do as the check had already cleared. So here I am left with a negative account balance and a cash advance on my credit card which could involve substantial fees and the only recourse I receive from a bank in which I 've been a member for almost XXXX years was simple apology for their mistake.
Product: Credit card

I made an overpayment via my online banking on XX/XX/XXXX and itwas credited to my card on XXXX.The card actually had a XXXX bal. I made the mistake of sending it to the wrong credit card company. I discovered thison XXXX XXXX and called them. I asked for it to be credited back to mychecking account. I gave them my routing number and checking accountnumber. After XXXX calls to find out why it was not done, they just kepttelling me it had to be processed. It is now 7 days later, XXXX XXXX and I wastold that the {$250.00} was going to be sent back to my checking todayand it would take another 3-5 days to process this. This is a total of 10-15days to get my money credited back to my checking account, when allalong they had the {$250.00} in my account. We could see it in my cc acct. 
I do n't know what the regulations are for this type of problem, but, I thinkthat 10-15 days is way too long for them to credit this back to me. when I ppay my bill to a cc it goes in very fast, 2-3 days max, ( online billpay ). Butwhen I need to be credited it 's 2 weeks? what 's up with that? I spoke witha supervisor in XXXX, XXXX and today with XXXX, XXXX. It was an AT & T Universal XXXX Card through Citibank. I have never been late, paid bmy bill off in XX/XX/XXXX and have a very high credit score. I am a responseible professional and really do not like being taken advantage of and treated so badly. If you can help me with this I would appreciate it. 
Thank you.
Product: Credit reporting or other personal consumer reports

XXXX bank Account # XXXX This account has been reporting inaccuracies in my credit report for over 2 years now. I have sent multiple disputes in About it I have contacted the original creditor with no responses & I even disputed it with Experian with no changes that give me an accurate Ctedit report. The account has been charged off in 2021, if the account was charged off that means the debt does not exist any longer. I requested a 1099 they have failed to comply and as a consumer I know I have right to a fair and accurate credit report. Can you please investigate this matter and have Experian follow up with accordance of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have sent in several letters in the past XXXX month to remove incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax happened A company I 'm forced to opt into and cant avoid handing over my information over to has open security policies that allowed the more nefarious types get all the personal information that matters