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

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have wrote them over three times this is my third letter they are in violation of usc 1681 s-2 15 usc 1681 ( A ) ( 2 ) ( B ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1681 ( A ) ( 1 ) I ASK FOR verification of this debt Transunion is using stall tactics by saying it isn't me but I provided proof that it was XXXX and XXXX has yet to respond I have pointed ALL THE THINGS I NEED VERIFIED
Product: Debt collection

Began receiving calls on or around XX/XX/XXXX. They left voice mail msgs w/ a case number ( XXXX ). When I called back, they said it was in reference to a delinquent XXXX XXXX credit balance {$230.00}. I explained I've never had an XXXX XXXX credit card. After more calls, on XX/XX/XXXX I contacted XXXX XXXX 's credit services dept, which is handled by Synchrony Bank and they informed me the account was opened more than 10 years ago. Once again, I told them I never opened an XXXX XXXX account. As a result, they started a fraud investigation. On XX/XX/XXXX I contacted the collection company and told my " case worker '' ( XXXX XXXX XXXX ) that Synchrony had opened an investigation. She became very agitated and said she didn't care and told me this was my last chance to take care of this before I was served with court papers at which time I would have to go to court to dispute it, and would then be on the hook for legal fees totaling 10 times the amount of the original debt. When I asked for the date of the debt, she told me it was charged off in XX/XX/XXXX. I reiterated that this debt was not mine and wanted to wait and see what Synchrony 's investigation revealed, but regardless, it was more than 4 years old, which is beyond the Statute Of Limitations for collections in California. She again became  angry and said she didn't know why I kept bringing up Synchrony Bank as she doesn't know or care what that is and that they were going to move forward with legal proceedings against me regardless of any investigation into the matter. I strongly considered just paying it since the amount was relatively low, and filing a reply in court to dispute it would cost about as much anyway. However, every time I asked for documentation to be sent or emailed to me before I made payment, she refused. Additionally, XXXX XXXX XXXX did give me her direct number and extension, which was a XXXX number in XXXX XXXX, CA., however, when I asked for her company 's name, she said it was " In House Processing '', which - when searched online while I was on the phone with her - doesn't seem to be a valid company name. When asked if she was with a law firm or if the company had a different name or, for example, the name of the company that appears on her paycheck, she began yelling that she would see me in court and hung up.
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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Im writing due to concerns with Zelles handling of disputes, in light of the recent CFFB lawsuit with issues regarding the platform. I use Zelle every month and for it to not be protected and allowing repeated offenders exploit the system and leaving users vulnerable to scams. This raises serious concerns for consumer safety.
Product: Debt collection

On XX/XX/2022, IC Systems contacted a person other than the consumer that they were looking for XXXX XXXX about an alleged debt and violated FDCPA and my consumer rights. The IC Systems representative told the person on the phone that they were calling to speak to XXXX XXXX and that she owed a debt. They never stated they were a debt collector, they falsely represented themselves stating, this account was placed at their office, which is not true. And they stated that they were going to garnish my wages which is another violation of 15 USC 1692e ( 4 ). IC Systems was not given permission to have and/or use my nonpublic personal information by requesting me to verify my social security number, which I never gave to them. 
I looked up IC Systems and they are clearly a debt collection agency, they falsely tried to represent themselves as an agent of the state of Kansas, violation of 15 USC 1692e ( 1 ). This is a clear violation of 15 USC 1692b ( 2 ), IC Systems is using unfair practices to collect an alleged debt. 
IC Systems has used abusive, deceptive and unfair debt collection practices and misrepresented themselves when trying to collect an alleged debt from a consumer. 

IC Systems has failed to comply with the provision provided under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 

XXXX XXXX XXXX Incorrect Personal Information : XXXX. Former : XXXX XXXX XXXX XXXX XXXX XXXX  Request for Investigation and Removal : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ), I am requesting a thorough investigation into these items and their prompt removal if they can not be validated or corrected. Please ensure that all errors are corrected and that any unverifiable information is deleted from my credit report.

Additionally, in accordance with 15 U.S.C. 1681i ( a ) ( 6 ), I request that you provide me with an updated copy of my credit report reflecting any corrections or deletions made. There should be no fee associated with this updated report.

Please ensure that any relevant parties who have received my credit report within the past six months are notified of these corrections, as stipulated in 15 U.S.C. 1681i ( a ) ( 5 ).

I look forward to your prompt response to resolve these inaccuracies. Should you require any additional information to complete this process, do not hesitate to contact me.

Thank you for your attention to this matter. I expect a resolution within the required 30-day period as mandated by the FCRA.
Product: Debt collection

Hello, I 'm extremely upset. I settled the debt in full and now has a XXXX balance and they refuse to send me my letter stating it 's been paid in full and send to Credit Bureaus that this dept now has a XXXX balance and has been paid in full. This is an issue, they are not doing what they should when a dept is paid. 

Please have them fix this right away. It 's affecting my family and i financially.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report on XX/XX/2024 and found some information that appear to be incorrect. 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. Equifax continue to report inaccurate information without the consumer permission. 
And one more thing according to 15 USC 1681s-2 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. 
These accounts are not complete and inaccurate. 
XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Funding Account number XXXX
Product: Credit reporting or other personal consumer reports

I contacted U.S. Bank to explore getting prequalified for a mortgage. I made it explicitly clear that I only wanted to be prequalifiednot preapprovedand that I did not authorize a hard credit inquiry. The representative confirmed via email that a hard inquiry would not be required for prequalification.

After providing some information, I was told I could not proceed due to not having two years of work history. However, I later received a letter that U.S. Bank had performed a hard credit inquiry on XX/XX/year>, which caused my credit score as displayed by my US Bank account page to drop by XXXX points. 

I did not authorize this hard inquiry and have repeatedly requested proof from U.S. Bank that I gave such authorization. They have not been able to provide any, and instead referred me in circles between various departments. XXXX representative ultimately told me to dispute the inquiry with Equifax, requiring me to file a police report or an FTC fraud reportwhich is not appropriate since this is not identity theft, but rather a violation of the Fair Credit Reporting Act by the institution itself. 

U.S. Bank had no permissible purpose to conduct a hard inquiry, as I never consented to it and was only seeking prequalification. I am requesting that U.S. Bank be held accountable and that XXXX  be required to remove the unauthorized hard inquiry from my credit report. And I want my score to be restored to what it was before this happened.
Product: Credit reporting or other personal consumer reports

EXPERIAN On XXXXXX/XX/XXXX I sent a letter to Experian stating that I was a victim in an elaborate XXXX XXXX  scheme. I also listed the accounts and addresses associated with that experience. They did nothing at all as if I never sent the letters at all. Please follow the laws and delete the information below. Thanks in advance. 



XX/XX/XXXX RE : XXXX  Block Request Account # XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ACCOUNT XXXX XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED- XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE XXXX XXXX XXXX XXXX XXXX. XXXX XXXX AND XXXX  ACCOUNT XXXX DATE OPENED-SEP XXXX, XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBERXXXX DATE XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX DATE OPENED-XXXX  XXXX XXXX INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BLOCK/DELETE THESE ADDRESSES USED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Please XXXX this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken upon this letter. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, NC, XXXX Enclosures : Proof of identity- License, SS XXXX XXXX XXXX  documentation XXXX. Self-attestation paperwork
Product: Vehicle loan or lease

I Purchased a XXXX in XXXX for a little over XXXX. I can prove that Ive made exactly XXXX payments as the contract stated. However, the balance on this account never changed when payments are being made. 
I contacted Ally bank customer service in XX/XX/XXXX, I was told that I had XXXX remaining payments and that my car would be paid off in XXXX. I made every payment and the balance never decreased with each payment made. On my most recent statement, past due payments listed are incorrect. Payments were made in XXXX, XXXX, and XXXX. In addition to that, I noticed thousands of dollars on my balance which looks to be late fees. I am concerned with the late fees specifically. The Late charge clause in the contract states that the late fee will be XXXX  % and will not exceed {$18.00}. I am being charged hundreds of dollars for each late payment. I believe I have me deceived by Ally Bank and Ally Bank Servicing. 
Why am I being charged excessive late fees? I would like an investigation into this account to find out why I have accumulated thousands of dollars in late fees, and, if there are any hidden fees that were not disclosed. Also, are the fees lawful? I am concerned that racial discrimination is a factor to consider on this issue. I fear that for many reasons. But, specifically, I know Ally can not prove every loan that names Ally as creditor are constructed to these identical standards of terms of the retail installment agreement. Ive tried to resolve my concern with Ally customer service but I never get a direct response. I have not received any clarification on this issue. Dealing with this situation has caused me to have severe XXXX. Please help me understand why I am paying so much for this vehicle and have not received title when I made payments to satisfy this account.
Product: Credit card or prepaid card

I called Navy Federal Credit Union twice and sent them a written message as well on XX/XX/2020 regarding the Balance Transfer Interest Charges on my credit card account which I believe should be removed as the contract they had sent me with the card did not mention a 30-day requirement for balance transfers. The bank is claiming that the 30-day requirement was mentioned in the application, but whether that is true or not, it should not be relevant as they have mislead me by sending me a contract with the actual card that does not mention the 30-day requirement. I read the contract closely before using the card and if I had seen such a requirement, I would not have used the card for balance transfers. Attached please see the contract that came with the credit card.
Product: Mortgage

My original FHA loan originated in XXXX of XXXX at a rate of 4.75 %. We did a streamline refinance in XXXX of XXXX to a rate of 3.25 %. I made the XXXX and XXXX payments XXXX XXXX was skipped due to streamline ), these were on time, actually 2 weeks early each but irrelevant. I received a call from my loan officer who stated they canceled my FHA case number by accident and would would need to re-sign. She then had another loan officer contact me who stated we must do a full re-fi as the case number was canceled and can't be re-instated since it was canceled before closing. He stated the company is not able to sell my mortgage now since there is no case number. They are offering a no cost re-fi and a lower interest rate but I have to go through full credit pulls and the entire process. I have reluctantly agreed but am skeptical. Am I obligated legally to do this? If I refuse do they have a right to keep the monthly PMI I am paying for an FHA loan that technically doesn't exist since there is no case number? I have not signed or closed anything on a full refi yet as it is just getting started.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car in question on this account was returned in XX/XX/2020. It was returned to XXXX XXXX XXXX in XXXX XXXX, Oregon. The car was marked as grounded in the system and I was sent on my way. I filled out all the correct paperwork and paid all fines due at turn in. In XXXX of 2020, my credit card notified me that my credit had dropped by around 100 points. Unsure of what was going on, I investigated. Turns out Hyundai Motor Finance sent my mother and I to collections for not returning the car. I received no phone call, letters in the mail, update to my HMFUSA online account, or emails surrounding the issue. We were just sent to collections. I have called HMFUSA repeatedly to get this taken care of. Multiple times a month, escalated to multiple heads of department and NOTHING has changed. I have been told over and over again that there is nothing they can do to get my account taken care of, because the department that handles this issue is " behind ''. The department that is behind also doesn't take calls from customers. They are an internal facing only department. I returned this car over a year ago and am still suffering repercussions from this. My mothers credit has prevented her from buying a new car, or financing anything in the past year. This is completely unacceptable and I really hope the Federal Attorney General will file suit against Hyundai for all the people they have XXXX over, in the middle of a pandemic.
Product: Bank account or service

Recently, I noticed that my bank had charged me an overdraft fee, even when I had the funds to cover a transaction. I looked at past bank statements and noticed that my ending daily balance was sufficient to cover certain transactions yet, the bank still charged an overdraft fee. I called the bank and was informed they can only look back 90 days and per their records, I was entitled to {$45.00} returned to my account. I asked the representative how can I have my account audited through past statements and was told I could not do that. I asked whom could I speak with about it and was told that there is nothing I can do and they can only go back 90 days. To date, they still have not returned the {$45.00} as I was informed and I 've called twice to speak to someone and am left on hold, longest was 47 minutes.
Product: Money transfer, virtual currency, or money service

I purchased concert tickets through XXXX and paid via PayPal Credit. The concert was rescheduled due to covid and it is now set to be in XX/XX/XXXX. The tickets I bought were VIP meet and greet tickets. I paid close to {$900.00} for 2 tickets. The concert will no longer offer this feature and the tickets are being sold for under {$50.00} now. No VIP or meet and greet is happening. Also, the venue requires vaccine and my daughter ( she is a minor and they are her tickets, I bought them for her ) well, she can't get the vaccine due to a medical condition ( she is highly allergic to 2 ingredients ) I have tried dealing with XXXX and its in PayPal credits hands. They will not help me and I really would like my money back. They told me I had 180 days from purchase. Which is ridiculous since I purchased them in XXXX of XXXX and the concert is postponed till XXXX of XXXX. The pandemic shut all concerts. I didn't know the new date 180 later or the new rules and I just found out I will not be getting the VIP tickets I bought
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report does not contain a Bank of America credit card account on which I have been a co-account holder with my husband for several years. This is causing my credit score to be lower than it should because this is our main credit account. It is reported correctly to XXXX and XXXX. Bank of America reports to me that they have contacted XXXX on four occasions regarding this without response : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all without a response from XXXX. I have made several phone calls between companies and am unable to get this issue resolved. Bank of America refuses to give me documentation of these contact dates in writing. They also refused to speak with the XXXX representatives on a conference call with me to help resolve this issue.
Product: Credit reporting or other personal consumer reports

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

I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on Experian and XXXX - 60 days late reporting on Experian GA XXXX XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) XXXX XXXX - 30 days late reporting on ( XXXX and XXXX ) XXXX - 30 days late reporting on ( XXXX, XXXX, and Experian ) - 60 days late reporting on ( Experian and XXXX )
Product: Credit card or prepaid card

I rented a car paid for with  my U.S. Bank Visa  card. The car had over  XXXX  miles on it and had a carbon monoxide leak unbeknownst to me. I became unconscous while driving due to the carbon monoxide poisoning and crashed into a telphone pole. I filed all papers in my possession and asked the rental car company for repair documents, etc, which were never in my possession. They iniitially said they would provide them but then ignored my ema ils. U.S. Bank refused to proess the claim because they said " I should have kept copies of the papers. '' I did keep copies of the papers in my possession, but obviously I could n't get copies of papers the rental agency refused to provide. U.S. Bank refuses to reimburse me
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.

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 no
t 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

Many time send letter and online dispute few errors from my credit history in Experian and explain everything to them but still all errors in my credit history Errors is : XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX