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

I mailed TransUnion a letter XX/XX/2021 that I reviewed my credit report and found unauthorized inquiries on my report. I let them know that these inquiries were unauthorized and to investigate and delete if inaccurate. They replied back to me that " Your written authorization may not be required to constitute permissible purpose. '' I called them and asked to investigate with the company to verify the information. I was told that I am to do that and not them. I wrote them another letter asking to investigate and delete if inaccurate. Did not hear anything back, so I called again. Was told the same thing. I am to do that and not them. They do not investigate inquires.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/scrub> 2024 I sent a XXXX payment in the amount of {$100.00} to a realtor using email address : XXXX who stated he never received. XXXX and my financial institution failed to investigate my claim adequately. They informed me that recovering lost funds and tracking the transaction were unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect me as a consumer but has allowed unscrupulous individuals to exploit the system leaving users such as myself vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns regarding consumer safety. I
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX : {$270.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I paid off my entire balance on XX/XX/XXXX, in the amount of {$2800.00}. On XX/XX/XXXX, my account was updated to reveal that I still owed {$76.00}. So, I paid off the remaining balance. Unfortunately, Prosper changed my credit limit from {$2800.00} to {$500.00}. They are not providing me with information as to why this drastic change was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Experian Credit reporting company. I reached out to them on many occasions, but was finally able to speak to someone on XX/XX/2022 to find out why they have my credit score as XXXX while at the same time every other credit reporting company, ( ie : XXXX, XXXX, XXXX XXXX, and XXXX XXXX to name a few ) have my XXXXredit score in the XXXX range. Besides the fact that it is EXTREMELY difficult to navigate there automated prompting system to actually speak to someone, when I eventually got through to a representative, they were totally unwilling to correct the obvious flaws in their report such as limited credit cards, credit limits, unpaid debts, and available credit. All signifcant factors when determining an individual 's TRUE credit score. They seemed MUCH more interested in selling one of their products ie : Experian Boost. This reprehensible behavior in my opinion is nothing short of extortion!! Please help me and other susceptible consumers from this company and their unethical practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX & FTC complaint attached. 

I, XXXX XXXX  do hereby state that the following information is true. 

Several creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX IdentityTheft complaint # XXXX are the specific accounts and inquiries in question : Accounts to be Removed : XXXX. XXXX XXXX - Account Number : XXXX - Amount : {$1100.00}/ Collection Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF ED/XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. DEPT OF ED/XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Absolute Resoltions on my XXXX XXXX file has been on my file for XXXX yrs. It says on the XXXX credit file that it falls off XX/XX/year> well it is XX/XX/year> and I want it off! Please help! Delete!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX U.S. Department of Education By XXXX who recently receive financial Activity summary. Loan Information XX/XX/03 principal balance {$45000.00} that they indicate I owe. Which I disagree with as being XXXX man who borrowed on {$5000.00} which have recently report incorrect balance that they claim I owe them {$79000.00}. Now they saying I owe {$45000.00} I feel that I'm being discriminated against because of my XXXX XXXX XXXX XXXX. Who never graduate with any certificate or degree as student. Where are they getting this amount {$45000.00} Would be taxes that being added. Wealthy ppl don't pay any taxes. Whereas me being tax on student loan for {$5000.00}. It being taking advantage of as being XXXX, older as man.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed and I've written, letters to each Bureau and XXXX, XXXX, and Experian have all sent back generated letters, stating that it was investigated. Which is XXXX because there are numerous errors on my acct., inquiries that were not authorized by me. There's a bankruptcy there also, where did this come from?. These reports are adversely affecting my credit and my lifestyle. 

XXXX Confirmation : # XXXX Experian : # XXXX XXXX : # XXXX I'm tired of going thru this, it's adversely affecting my life and my career ; I gave No one permission to use my credit, Nor did I give permission to release any of my personal information. According to 15 U.S.C 1681 section 602a. States I have a right to privacy and 604a. States a consumer reporting agency can not furnish a account without my written consent and I didn't consent to XXXX!.. My rights are being Violated here.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : 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 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: Money transfer, virtual currency, or money service

My identity verification process has been under review since 2021. I have emailed venmo back-and-forth for XXXX weeks and the only solution they can offer me is to delete my account and create a new one. I have a pending XXXX crypto claim from the bankruptcy lawsuit that I fear will be lost if I delete my account.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to TransUnion pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXX ( # XXXX ). This account held numerous inaccuracies and incomplete information. 

1. The Account reflects being " Closed '' when in fact it was " Paid ''.

2. The Account failed to reflect the Monthly Payment Amount.

3. The payment section says I was 60 days late which is impossible if there isn't a Monthly payment.

4. The Comment section should reflect " Paid '' instead of " closed ''.

TransUnion failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. TransUnion didn't even go as far as Updating this information to reflect accuracy. Therefore, by TransUnion failing to follow the law in relevance of the facts, This Company violated my constitutional rights pursuant to 15 U.S.C 1679c ( a ), ( " the credit bureaus must reinvestigate and modify or remove inaccurate or incomplete information ''. ) As well, in accordance to 15 U.S.C 1681i ( 5 ), the credit bureas are not limited to one option in making a determination. It is mandated that they delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. The law doesnt allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. Due process requires that If one does not suffice the investigation, then in light of the fruit of the poisonous tree the account is incomplete and MUST be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} XXXX, XXXX M SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have been lied to now on a recorded line first was told it was a federal regulation they can not set up auto pay for me over the phone. 2. Was promised a cashiers check would be sent to me at my current address. ( It was not ) 3. Was promised my payment would be applied for next months payment without issue ( was not ) then got a call from their collections department saying I was past due. I have been lied to and deceived by US Bank so many times I can not take it anymore.
Product: Vehicle loan or lease

My loan account with BMW Financial Services is past due for the months of XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX payment coming due on XX/XX/XXXX. A payment in the amount of {$300.00} was returned, the account it was scheduled to be drawn from was closed by XXXX XXXX, I received an email today on XX/XX/XXXX from the bank stating so and thus why payment was returned. XXXX XXXX is sending me a check for remaining funds which I will sign over to BMWF for payment on the account. I do not know the exact amount as of yet, I do not have access to account due to closure. Further, I am expecting a settlement check from Wells Fargo for a total amount of {$5100.00}, I have attached a screen shot of an email from an XXXX XXXX with XXXX XXXX detailing this information. The settlement amount is {$3700.00} and taxes are included for the total amount of {$5100.00}, this check will also be signed over to BMWF for payment and I was provided an address to send to via message on BMWF site. The estimated time frame I will receive check is by XX/XX/XXXX according to the email, I will continue to make payments via bill pay through my XXXX  account, I will try to cover the XX/XX/XXXX payment by XX/XX/XXXX but can not make any promises or guarantees. I am still without a phone to call BMWF directly, I do not know if it was noted or not about this, I did mention this fact in prior CFPB complaints. I request BMWF hold off on possible repossession, I will overnight the payments in order for them to post more quickly, if needed.
Product: Debt collection

XXXX Received a call from a XXXX XXXX XXXX did not state what this was for or why they were calling, then said there contacting in regards to the order of location, that was been issued against you legally I do have to make you aware that once your claim is filed into the county becomes a matter of public matter of public record, I have been instructed to contact your employer and speak with your supervisor directly because it lokos like that is going to be the likely place of location, your legal right will be forefeited the phone number '' then they said to call XXXX, I spoke to XXXX XXXX and had casse # XXXX, did not say what it was for except that it was a " locked file '' and then said it was for a check n go loan? 

All of this violates, Fair Debt Collection Practices Act. It is false, misleading and harassing and scary when I'm at work. They've called my husband too. I will ask them to stop. 

I called back and spoke to XXXX XXXX at XXXXXXXX XXXX on XX/XX/2022. I said I am responding to your contact about a debt you are attempting to collect. You contacted me by phone today. You identified the debt as a XXXX XXXX XXXX loan. 

I asked her to please stop all communication with me and with this address about this debt. 

To also, record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.She said they are getting information to file a lawsuit or check in Go has 3 allegations against me they will find me to issue against me...
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 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

I applied for a Government Small Business Loan through TD bank on XX/XX/2018 I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, XXXX  and XXXX ), finally on XXXX XXXX these 3 accounts were deleted form XXXX Credit Report, I went to TD bank again on XX/XX/XXXX with the XXXX credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and XXXX I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX  and XXXX knowing that these accounts were the same ones deleted from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have followed up by sending a demand to comply as of today XX/XX/XXXX notice to the creditors, debt collectors and CRAS as its been 16 DAYS and I havent received a sufficient response so all of these negative marks and derogatory accounts need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife, XXXX XXXX ( XXXX ) has a student loan account with Navient ( about $ 30K ) which was reported on my credit report ( XXXX ) as 150 days late as of XX/XX/XXXX. There was 1 missed payment ( XX/XX/XXXX payed XX/XX/XXXX along with XX/XX/XXXX payment. XX/XX/XXXX. Here is my wifes letter : they agreed wityh account status - did not mention it was reported under mu SS # " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX  Dear Administrator : Today I spoke with XXXX  counselor, XXXX ID # XXXX, re : a 120 day nonpayment report sent in to Credit companies including XXXX.

XXXX at XXXX researched my school loan information and denied XXXX   sending such report ; saying that my account is paid up as of today. There was 1 late payment from XXXX, but there has never been a 120 day period of no payments.

This message from XXXX  resulted in my credit score dropping below 600. The XXXX counselor, XXXX, instructed me to write this letter to give all credit reporting companies permission to look into this error.

My Student loan information is the following : Acct # XXXX   Name on account : XXXX XXXX Loan IDs : XXXX   XXXX XXXX  I give you permission to look into this false report against my credit record sent in by XXXX. You may reach me at ( XXXX  ) XXXX or XXXX if you have any questions.

I will be monitoring your progress and look forward to getting this issue resolved. '' Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX account number XXXX has multiple inaccuracies. 
1. Across the XXXX bureaus the dates of last payments received are inaccurately reported ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 2.Dates last active ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 3.XXXX  comments and acknowledges the debt as being XXXX in bankruptcy. So the company has been reporting activity on a XXXX debt. This is a validation of the Debt collection privacy act. 
By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Product: Credit card or prepaid card

I opened a dispute for {$520.00} and {$140.00}. 
My visa card was charged outside of USA for this two amounts.Without my permission. 
I supplied all the paperwork supporting the dispute. 
The answer from Visa was that they unfortunately can not help me. 
I called visa, they still did not help.Visa credit card does not support the customers. 
This is already a fourth time that this happened to me with Visa credit card.