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

I checked my credit and saw a Transform Credit and charged me XXXX dollars every month. 

I called my bank and stopped the charges which are fraudulent, but XXXX says I can not remove it from my credit report. 

I never approved or applied for Transform Credit, and want to see what legal actions I can take to remove them from my personal account.
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 account. 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
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated.

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

My account was locked on coinbase and I have called multiple times about getting it unlocked with little to no effort to the company to unlock so I can take my funds off the website
Product: Mortgage

This complaint is to reopen an existing complaint that I find has been closed out prematurely. Please see the following complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Mortgage ISSUE Closing on a mortgage Not only do I want the investigation to continue, but I just learned a few days ago, that for my reasons and other related reasons, a class action lawsuit was filed in a few other states against UWM XX/XX/year>, only a few weeks after my closing. This is not a coinsidence. 

Please advise as to how I can proceed further
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX ( MST ) I received a phone call from XXXX stating that the account was past due. I informed the representative that I had paid my mortgage for XXXX. After some discussion he realized that I had made the payment in full. He stated that he would place a request to have the money applied properly. The following day the money was applied the way in which I intended ( towards the payment ). I then initiated a dispute with the credit bureau. This dispute affirmed that my payment was late. I would like the folks at XXXX to properly apply the payments I make and to erase the late mark on credit. I have never missed a payment to them even when it was XXXX.
Product: Checking or savings account

On Monday XX/XX/XXXX I got an alert from my chime account of a transaction in the amount of {$120.00}. I signed in to the app, and looked at the transaction. I did not make the transaction. I contacted my bank, and reported it as fraud. My bank is chime. I filed a claim, and a police report, and the claim was not ruled in my favor. I would like for the {$120.00} to be put back in my account. That transaction was not made by me, and i have records stating that i was not out of the state. If needed i can provide the police report. I have called chime several times, and no solution is being reached.
Product: Credit reporting or other personal consumer reports

I am writing to formally report and document a case of identity theft involving fraudulent inquiries on my credit report. I have recently discovered unauthorized credit inquiries on my credit report, and I believe that I have fallen victim to identity theft.
Product: Checking or savings account

I am here to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees that have accumulated on my account over the past years.despite having sufficient funds when the transactions where authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with CFPB findings against NF for similar practices where transactions settled with insufficient balances despite initially available funds.i believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

Was paying off an auto loan with " TRUIST BANK '' on XX/XX/XXXX, I overnighted via XXXX  XXXX a cashiers check for the payoff amount. 
I was advised the lender requires 2-3 days to process. I can not sell the vehicle, bcse the lender has not released title. its been over 10 days. Every time I call, I am told something different. every promise is broken. I was promised a letter by close of business last Friday showing the account paid in full. Today they advised this letter requires 15 days from request. IE : info changes per each call.. 

after 5 phone calls, 6-7 hrs of my time, I still dont have an answer - other than " weve sent the message to our back office '' completely unacceptable for a consumer to be treated like this. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into hands of the wrong person. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding TransUnion, XXXX, and XXXX repeatedly reinserting previously deleted inaccurate or fraudulent accounts and inquiries into my credit report. Despite providing evidence, including FTC Identity Theft Affidavits and supporting documentation, these credit reporting agencies have continually failed to prevent the reappearance of erroneous information. Below are specific examples detailing the timeline of these issues : TransUnion : Source Receivables Collection Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX Account Deleted : XXXX Reinserted : XX/XX/XXXX ( disputed and deleted again ) Reinserted : XX/XX/XXXX under a new furnisher ( disputed and deleted again ) Reinserted : XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX : XX/XX/XXXX Reinserted : XX/XX/XXXX Feb-Retail Account Deleted : XXXX for identity theft Reinserted : XXXX ( after providing proof it was a fraudulent account ) XXXX and XXXX XXXX Account Deleted : XX/XX/XXXX, reinserted XX/XX/XXXX Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX ( disputed and deleted again ) Reinserted : XX/XX/XXXX Audit and Adjustments Collection Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Payments ) Disputed : XXXX Reinserted : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ) Disputed : XXXX Reinserted : Later in XXXX Inquiry for XXXX XXXXXXXX Bank Disputed : XX/XX/XXXX ( submitted with an FTC Identity XXXX Affidavit ) Reinserted : XX/XX/XXXX Now Appearing as XXXX Separate Inquiries XXXX : XXXX XXXX XXXXXXXX Account XXXX XXXX XX/XX/XXXX Reinserted : XX/XX/XXXX XXXX Card Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX ( disputed and deleted in Fall XXXX ) Reinserted : XX/XX/XXXX Feb-Retail Account Deleted : XXXX Reinserted : XXXX ( after providing proof it was a fraudulent account ) XXXX XXXX XXXX  ( XXXX XXXX XXXX : XXXX Reinserted : Later in XXXX Audit and Adjustment Collection Account Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX Credit Concepts LLC ( XXXX XXXX XXXX Disputed : XXXX Reinserted : XX/XX/XXXX Inquiry for Capital XXXX Bank Disputed XXXX XX/XX/XXXX ( submitted with an FTC Identity Theft Affidavit XXXX Reinserted : XX/XX/XXXX Now Appearing as XXXX Separate Inquiries Inquiry for XXXX ( XXXX ) Disputed : XX/XX/XXXX ( submitted with an FTC Identity Theft Affidavit XXXX XXXX Refused to Delete and Confirmed it as Accurate XXXX : XXXX  of XXXX Account XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Feb-Retail Account Deleted : XXXX Reinserted : XXXX ( after providing proof it was a fraudulent account ) Credit Concepts LLC ( Late Payments XXXX XXXX XXXX XXXX Reinserted : XX/XX/XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX Reinserted : Later in XXXX
Product: Debt collection

I received mails from XXXX different companies advising me that I have Collections accouts and asking me to make payment or payment arrangement and I refused because those are not my accounts, my personal information was stolen including my SSN, address, phone number and it's sad to tell you that my own sister did that to me. I've been trying to dispute it on the the XXXX bureaus for years now and no good news, the credit bureaus advised me to make this report and send it to them and if I'm lucky they'll be able to remove it because it's affecting my score and in general it's frustrating to be accused of something that you didn't do and they make you responsible for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Self Lender account and inXX/XX/2017 I was diagnosed with XX/XX/XXXX XXXX XXXX XXXX. I called the company to close the account because I wasnt working anymore and was unable to make payments. The company continues to report two late payments on my credit reports. I didnt take out a loan, it is a company that I pay to help rebuild credit. I called to close it and they never closed it until my bank denied the payments. I would like them to remove themselves from my credit reports so that I can get my life back after fighting XXXX three times within the last four years. This is making a huge impact on my report and it is unfair especially since I never owed them anything and called to cancel before the due date. Please remove from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I have filled 3 times a dispute asking for a removal of remarks of delinquency reported by XXXX XXXX. Each time TransUnion sends a letter with the resolution in my favor and an updated report. The problem is 30 days later the remarks appear again in my report. TransUnion says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from XXXX when the loans were under forbearance. I have disputed this with XXXX without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed payment.
Product: Money transfer, virtual currency, or money service

All transactions need to be refunded, account was closed with no explanation in. Ive never used it for anything other than receiving money from my husband, which is all documented. They have taken money out of my account taking money from me pulled out a loan that I never pulled out or authorize and it is now on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make any of these charges.
Product: Credit reporting or other personal consumer reports

I submitted 6 different disputes on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I submitted disputes I asked for evidence to show this needed to be on my report. All I got back was an email stating it will stay on my report. No evidence of an investigation being done.
Product: Debt collection

Phoenix Financial sent me a letter that was back dated by two weeks stating I needed to dispute the collection within 30 days. The date on the letter says I received their services in the year ofXX/XX/XXXX, but I have never been hospitalized. The date on my credit report says the account was opened inXX/XX/XXXX. I immediately sent written correspondence disputing this debt, informing them it was n't mine and to send verification. I have sent them several letters over the years asking for verification they have never verified it. The account is up in dispute before it appeared on my credit and they never sent verification before adding it to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit 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 items which are 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/remove these files. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$690.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto finance company " Capital One Auto Finance '' Has failed to agree to the terms of the account listed below. 
I was provided a letter after a settlement agreement, stating " Your Account is settled in Full '' " We will report this account as settled for less than the full balance to the four major credit reporting agencies '' My XXXX report status for this account says " Account paid in full, was a repossession '' This is not what I was advised it should read. 

Capital One Auto Finance Account # XXXX
Product: Debt collection

AS I HAVE DONE SEVERAL TIMES BEFORE I PLACED AN ORDER N XXXX AND BOUGHT ONE BUNDLE OF 26 INCHES OF XXXX XXXX XXXX. THE ORDER TOOK FOREVER TO REACH ME AND WHEN IT DID THE BUNDLE OF HAIR WAS AWFUL. IT WAS DRY AND IT SHED LIKE A DOG. I CONTACTED THE COMPANY AND TOLD THEM ABOUT IT AND THEY ASKED ME FOR MY PAYPAL ACCOUNT. I GAVE THEM THE INFORMATION AND THEY REFUNDED THE MONEY. BUT THE COMPANY WANTED ME TO GIVE THEM 5 STARS AND I REFUSED TO LIE SO I TOLD THE TRUTH ABOUT HOW AWFUL THE HAIR WAS. WELL AS SOON AS THEY SAW THE REVIEW THEY CONTACTED PAYPAL AND LIED AND CLAIMED THAT THEY SENT ME MONEY FOR A PRODUCT THAT THEY DID NOT RECEIVE. THEY BECAME ANGRY ABOUT THE FACT THAT THEY GOT A BAD REVIEW. SO THIS MORNING I GET A EMAIL FROM PAYPAL TALKING ABOUT THEY PUT RESTRICTIONS ON MY ACCOUNT AND TRIED TO DEDUCT THE MONEY BUT IT WAS NOT THERE. WELL IT WAS NOT THERE BECAUSE I DON'T OWE IT. THE NAME OF THE COMPANY WAS XXXX. THEY EVEN GAVE PAYPAL A TOTALLY DIFFERENT COMPANY NAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received my XXXX correspondence on XX/XX/2023. No WRITTEN response as of XX/XX/2023 ( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( a ) ( 1 ) ( A ). I have not received any WRITTEN response within the given 30 days of a reinvestigation on XXXX consecutive occasions. It has been beyond 90 days without any WRITTEN response from Experian on a thorough reinvestigation. 

( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( a ) ( 2 ) ( A ). I never received " A Prompt Notice of Dispute '' in WRITTEN form at any time. 

( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( 5 ) ( A ) ( i ) ( ii ). The XXXX accounts that were requested to be physically verifiable were not ( i ) Promptly deleted or ( ii ) Promptly notified of modification or deletion. 

( XXXX ) Experian is in its second consecutive violation of my consumer rights, violating FCRA 611 ( 6 ) ( A ) and ( B ) I have received NOTHING in writing from Experian and I have NEVER authorized any other communication besides " In Writing ''. 
Experian is completely incapable of providing CLEAR evidence that they are not in violation of the items stated above.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly light of recent CFPB LAWSUITS HIGHLIGHTING SIGNIFICANT ISSUES WITH PLATFORM.despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customer but also allowed repeated offenders to exploit the system leaving users vulnerable to scams.this lack of accountability and raises serious concerns about customer safety
Product: Debt collection

XX/XX/XXXX I responded to a petition from Zwicker & Associates suing for old debt. I received no other communication or notification from said company until XX/XX/XXXX, which was a copy of a petition filing for summary judgement on the debt.
Product: Checking or savings account

My name is XXXX XXXX, I am a XXXX XXXX and XXXX XXXXXXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my husband. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account together with my husband, since we don't want to have a relationship with them. But Capitol One told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want a further relationship with them.