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

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries from my credit report As soon as possible Please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am submitting this on my behalf and no third party is involved. 

I, XXXX XXXX has noticed that Transunion has reported an adverse account on my consumer report. I have a right to privacy and have not given Transunion direct consent to report such account on my consumer report. Transunion has violated my rights pursuant 15 usc 1681b ( 2 ). An identity theft report was filed and proper documentation has been given for identification.12 cfr 1022 regulates the credit reporting agencies. By law, these agencies must follow the code of regulations in which Transunion has not. The adverse account under investigation should have been deleted in 4 days and was not pursuant federal law. Show me validation and proof the account is valid in your response. I will not comply and accept any further objections to my request. No consent has been given to your credit reporting agency.
Product: Checking or savings account

On XX/XX/year>, I received a SMS text message on my XXXX saying " CHASE ALERTS with wire transfer was being attempted from my Chase Bank Account ''. A man called me on the same number introducing him as " Chase Representative '' and told me about high call volume being reported with similar Fraudulent wire transfers by a lady named XXXX XXXX from XXXX, Ohio. 

He then transferred me to a Supervisor from Chase XXXX XXXX XXXX XXXX team, who gave me his name. He told me my account is already compromised and he is here to help & trace this lady and collect evidence. 

He asked me for my Chase username and password for disablement purposes. 
Thinking he was a Chase Representative trying to help, I provided him this information. 
He then had me setup some wire transfer entries for investigation & testing purposes. 

He tricked me into setting up wire transfers ( Authorized by me ). 
But I did not know the wire transfers were set to go to XXXX Bank. I did not create those entries. I did not receive any XXXX XXXX from Chase Bank regarding these new wire transfers setups which was unusual & out of pattern activity. 
I never wire transferred any money to XXXX XXXX  in the past. 

Unfortunately, till now I could not sense his ill intentions & gave him XXXX thinking it will be used for investigation purposes. He told me my account will reset within XXXX hours. I should call him next day XX/XX/XXXX to continue with the investigation process. 

He again repeated the same process next day XX/XX/year> telling me it was for investigation purposes and my account will reset in XXXX hours. My account did not reset and I saw all my money wire transferred, leaving me with a very low balance with all my money stolen. 

As per Chase representative, XXXX wire transfers were made to XXXXXXXX XXXX  XXXX in XXXX different accounts.
Product: Credit reporting

Equifax has not removed false credit items from my credit score. The false items have been disputed and settled.
Product: Checking or savings account

When I had a check to deposit I had {$5000.00} to deposit in a checking account no one was available to help me and I left upset only one teller and no bankers were available very unprofessional that J.P. Morgan chase has implented on their low staffing I understand this world is nuts I cant work for a certain reason I wont discuss but I will say this when u have low staff try and call some one dont show them away and I just was very disappointed I was trying to open up an account with chase because I was having problems with my previous bank XXXX XXXX so I was ready to start a new account and I was shoed away and that made me upset so hopefully this wont happen to another customer its poor judgement needs to be worked on especially when XXXX XXXX and have XXXX its very challenging when some one cant help u its really sad thats all I have just have some class and help potential customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$420.00}
Product: Debt collection

I am writing to formally dispute the validity of the debt you have claimed I owe. I recently received a notice from your agency regarding an alleged debt under my name. I believe this claim is erroneous, and I am requesting that you cease all collection activities until this matter is resolved & remove this from credit report. This is preventing me personally & my rights under the US law, my next step if this is not removed is alerting the Attorney General about this matter.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt. Please provide the following documentation to substantiate your claim : Proof of the debt 's validity : A detailed statement showing the original creditor, the amount of the debt, and any charges or payments made.

Verification of your authority : Documentation proving that your agency is authorized to collect on this debt.

Detailed account history : Records that link me to the debt, including the original contract or agreement.

Please be advised that while this dispute is being investigated, you must halt all collection activities and reporting of this alleged debt to credit bureaus. If you have already reported this debt, I request that you inform the credit bureaus that the debt is disputed.

Additionally, I request that you cease all direct communication with me until this matter is resolved. Any further attempts to contact me or collect on this alleged debt without providing the requested documentation will be considered a violation of the FDCPA.

Please send the requested documentation to my address listed above. I look forward to your prompt response to this matter.

Thank you for your attention to this important issue.

Sincerely,
Product: Mortgage

Interfirst mortgage pulled my credit initially for a refinance on my home loan. This fine and expected. I gave permission for this. 

The issue is that many months later after the initial credit report expired they pulled my credit again without any permission or notification. I was notified via an unrelated credit monitoring service. 
When confronting them about this they made no effort to rectify the situation except for a promise to notify a manager. I was also condescendingly told this was not a big deal, as if there was no regulation against this behavior.

I would not have given permission for this, even if it meant not continuing with the refinance. Now I have two additional hard credit pulls with a company that still hasnt managed to close the loan.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation . As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have properly disputed multiple times with Experian, XXXX, and XXXX because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates.

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have attached FTC report and XXXX  report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - [ List disputed accounts, including the account numbers, company name, and reason for dispute. ] As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : - [ List disputed inquiries, including company name and inquiry date. ] Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles approach to handling disputes, especially in light of the recent lawsuit filed by the CFPB, which uncovered major issues with the platform. Despite using Zelle several times and reporting discrepancies, both my financial institution and Zelle failed to thoroughly investigate my claims. They told me that recovering the lost funds was not possible and that tracking these transactions was not feasible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users exposed to potential scams. The absence of accountability and transparency is deeply concerning and raises significant questions about the safety of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TRANS UNION credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX  XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this XXXX XXXX credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified TRANS  UNION in writing the full description of this account, and requested them to contact XXXX  XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my TRANS UNION credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call TRANS UNION and tell TRANS UNION to start reporting this account on my credit report. Neither TRANS UNION, nor XXXX XXXX XXXX XXXX, have done anything to rectify this omission on my TRANS UNION credit report.
Product: Debt collection

I made arrangements with XXXX XXXX XXXX once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day  validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.
Product: Debt collection

I mention how I wouldn't be able to pay the full balance offered because of an add on/default charge of 600 to 700 dollars and how I would rather " eat '' then starve ( from lack of financial resources ) and pay for the bill. She said " it doesn't matter, do you want the legal authorities to seize your assets? Are you ready to make a payment or not? I will put a refusal to pay on your account. '' Very unprofessional Tuesday, XX/XX/XXXX. XXXX.

" We don't have time for games. We see your call record. If you're not willing to pay today I will put a refusal to pay on your account. Very unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX  XXXX Balance : {$66.00} XXXX XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX  XXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Prepaid card

What happened : I have a prepaid payroll card from comdata XXXX and was scammed off a card previously but right when I was close to getting my first refund I I was scammed again but this time on the new card comdata sent out and I was denied twice for all three transactions. They were late night on XX/XX/year> for XXXXXXXX XXXX and XXXXXXXX XXXX both atm withdrawals in XXXX. Then early morning next day on XX/XX/year> at a XXXX XXXX for XXXX XXXX I tried asking for specific reasoning therefor I can help fix it or verify the situation so I could get my money back but they just keep saying you have been denied due to lack of evidence to support ur claim even tho I got proof pretty much all in my phone I was in another city that same day even on my card purchase log you can also see me in another city I tried my best emailing the fraud team they just send me automated robot message its almost XXXX all together I need to talk to humans they just pretty much told me Ima have to sue them basically I told them soon I will be hiring attorney and sueing for a lot more if they cant tell me specifically so I can try to fix or help you guys fix the issue I emailed n called them for almost 2 months and have got no progress. Thats a whole month of rent im not rich this whole thing is very stressful. Left some documents for you to see below
Product: Payday loan, title loan, or personal loan

I was under the impression that I can use the kickoff card anywhere. But now I see I can only use it at the kickoff store. I do not like what I see. I am requesting my {$5.00} back along with you closing my account as soon as possible.
Product: Vehicle loan or lease

On or thereabout on XX/XX/XXXX XXXX XXXX XXXX XXXX American Car Center filed XXXX XXXX Bankruptcy in the state of Delaware. As a result, WPMS servicing took over the handling of the account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX. American Care Center is breach of contract for failure to apply payments and down payments to this account. The amount owed to purchase the car is disputed in which WPMS will not provide information related to the purchase and contract. American Car Center has failed to disclose the APR rate and has changed these rates without notification or justification. American Car Center did not notify me of the change or sale of the account in the time prescribed by the consumer law. The Truth in Lending practices have been violated in transition of the account and title. The car warranty was never upheld resulting in out of pocket expenses with no ability to be compensated.
Product: Debt collection

Someone used my personal info and rented a storage unit in my name. As you can see from the attached drivers license at the end of the lease, the signature doesn't match my drivers license. Also, it's against the FCRA to add interest onto a collection. My attached credit report has the original balance at {$890.00} and the current balance at {$890.00}.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding unauthorized inquiries on my credit report that are associated with numerous companies. As a victim of identity theft, I recently discovered multiple inquiries on my credit report that were not authorized by me. I have taken immediate steps to address the identity theft issue and have active alerts on my profile to prevent further unauthorized activity.
Product: Money transfer, virtual currency, or money service

My XXXX check was deposited XX/XX/2023. These funds was put on hold and no valid explanation as to why. I explained to numerous supervisors that this was a government XXXX check and to this date I still have not had access to my funds