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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a collection/charge-off in the amount of {$5200.00} on the XXXX XXXX XXXX XXXX- partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was in an accident and was taken to the junk yard. I wanted to keep the car so I continued to make the payments however, the vehicle was picked up from the junk yard without my knowledge and without any notification and hauled away. The car was reported as a repossession. When I learned that the vehicle was taken, I immediately went to the junk yard and spoke with the office manager. She told me the car was reporting as only a temporary repossession and that since I was making the payments my credit report would not be in jeopardy. I was making arrangements to have the car given back to me, but before the paperwork was completed the vehicle was sold at auction without any notice. The vehicle was sold for more than what was owed and therefore there is not outstanding balance due to report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Discover Bank numerous time via USPS mail requesting information on the account, because the account does not belong to me. I have requested applications that was submitted, contracts that could have been signed anything. But they have refused to answer. This account has not been proven to belong to me, or how it was established.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes in light of the CFPB lawsuit highlighting significant issues with the platform. In XXXX XXXX  {$450.00} was sent to an unknown account. When I attempted to report and dispute the incident to Zelle, I was notified that they were unable to provide me with support for the claim and informed me that recovering lost funds was impossible and tracking the transaction was unfeasible. The CFPB 's findings indicate that Zelle has not only failed to protect customers but leaves them susceptible to scams. The lack of transparency and accountability raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of counts on my credit that do not belong to me. Can you please remove them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A CAPITAL ONE ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT 500 DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX  BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request Credit bureaus stated that on my credit report that they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, date last reported is not accurate, date of last payment, no. of months inaccurate and also high credit and credit limit are inaccurate. This grounds for removal. 

These Accounts include : XXXX Bank Account # XXXX XX/XX/XXXXAccount # XXXX They also violated my rights under : 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. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

I also affixed copy of report from XXXX and Transunion where they stated that my account is verified and also there is a copy of my credit report showing inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX XXXX XXXX XXXX account are not meeting the FCRA requirements! There are multiple violations, and discrepancies ( INACCURACIES ) on my consumer report! 

Charge off accounts are 100 % illegal because it is considered income on the consumer report and according to the IRS are considered ORDINARY INCOME and a 1099C should be given. I have asked XXXX XXXX XXXX XXXX to provide me with a copy of the 1099C and I have not received anything! This means this is INACCURATELY REPORTING ON MY CREDIT REPORT, BECAUSE INCOME DOES NOT REPORT ON THE CONSUMER REPORT! 

According to 15 USC 1681eb MAXIMUM ACCURACY Of THE CONSUMER REPORT, my rights have been VIOLATED! 

According to 15 US Code 1681s-2 a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has a reasonable cause to believe that the information is inaccurate! 
On the Experian website it even states income is not reported on the consumer report! 

Charge off accounts are considered dead accounts normally start reporting C/O after six months because it is considered a dead account these XXXX, XXXX XXXX  XXXX XXXX and is closed to future charges, but they are consistently increasing the amount of the original charged off amount, therefore THE REPORTED AMOUNT IS INACCURATE FROM THE ORIGINAL AMOUNT! Along with multiple discrepancies with the late payments reported on all three credit reporting agencies! 

I do not recognize how these accounts are reporting on my consumer report, I do not recognize the account numbers, the account statuses, I do not recognize the account high balances, I do not recognize the late payments associated and everything reported here does not meet the FCRA requirements! 

I have also reported EXPERIAN AND XXXX XXXX XXXX XXXX TO THE XXXX!
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Mortgage

ONCE AGAIN, US Bank applied funds CLEARLY marked " PRINCIPAL ONLY '' to my loan interest. This is fraudulent. I have contacted them, and the CFPB on multiple occasions to rectify this issue. US Bank claims the issue is fixed, and it is not. They tell me I HAVE to use their online payment system to may a principal-only payment, which is fraudulent. They have rigged their online system to prevent easy principal-only payment, forcing me to send payment outside of their system. This is absolutely ridiculous. They should lose their license.
Product: Money transfer, virtual currency, or money service

I was scammed for a lot of money by using the service zelle through my XXXX XXXX account. XXXX could not help me. I tried to research and saw that I couldnt do much due to zelles policies. I wanted to go to the police but I did not think they could help me.
Product: Bank account or service

On XXXX XXXX I authorized {$100.00} debit from XXXX XXXX XXXX. On XXXX XXXX I lost my debit card which I reported lost and CitiBank declined the debit I had authorized. That same day I called Citibank to explain that I had authorized the debit from XXXX XXXX XXXX. Citi bank proceeded to debit my account but the funds where never transfer to XXXX XXXX XXXX. I have place several calls where Citibank states that the claim is under investigations after 2 months and many calls I when to the financial institution located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I found out that there was not an investigation opened and there was never one opened to begin with. All this time the information they had provided me over the phone was misleading and false.
Product: Mortgage

This has been ongoing for months with Wells Fargo and am really tired of it. It is causing emotional and now physical stress and making me sick. They messed up payments for hazard insurance, I more than compensated with extra payments, made even more payments to cover anything in escrow and yet they still are keeping my mortgage payment over {$200.00} higher than agreed when I got the mortgage. they have refused to put the monthly payment back where it belongs with no valid justification. Why is it that the consumer is always faced with this type of mismanagement of our accounts and you all do nothing?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Received notification from credit file that collection account was listed on credit report. No information received, no information to validate this debt belongs to me. This creditor is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, a missed payment was incorrectly reported on my credit report by Fortiva. I contacted Fortiva 's customer service to address this issue, and I was informed that they had reached out to the credit bureaus to have the missed payment removed from my credit report. Despite this assurance, I am seeking confirmation that the necessary corrections have been made to accurately reflect my payment history. 

I request that the involved companies provide written documentation confirming the removal of the erroneous missed payment from my credit report and ensure that my credit history is accurately reported. Additionally, I would like to know what steps are being taken to prevent similar errors in the future.
Product: Student loan

I received an email on XXXX/XXXX/17 stating that Navient ( XXXX XXXX ) had a lawsuit against them for not giving their borrowers the opportunity to make arrangements on their student loans. I have student loans through this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  { Credit Bureau XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX, XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 some inquiries on my report I did not authorized. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been having a problem getting a dispute taken care of for several months now. On XXXX XXXX, I made a purchase with a company by the name of XXXX XXXX. I was supposed to receive some cosmetic products, but they were never shipped and I requested a refund. I have not heard from the company since so I sent a dispute to NFCU for a refund of the transaction. I submitted and faxed my information on XXXX XXXX, and received no details on the case at all. I contacted NFCU business services and they said they had no record of the dispute. So I filed another, and a month later still no response or even acknowledgement they received anything. I have sent the information to their mailing address, their fax number, even sent messages to them through their online page with no response. 

I can not get anyone to help me. 

Included is the charge. It is for {$7900.00} Even if I did agree to pay a 20 % restocking fee in the application ... ..I never actually received anything.
Product: Money transfer, virtual currency, or money service

I have tried to get pay pal to delete my old checking account information and replace it with my new bank account information ... they refuse saying that I opened the account with my old checking account info as my primary. I have explained to them that it is normal in the course of several years to switch bank accounts. So now they are charging my transactions in which I am unable to select the account myself automatically to my old checking account. I have been charged 5 NSF fees in the amount of {$35.00} each. I tried to call to have this resolved and spoke to 3 different people. The last was an escalation rep XXXX that told me since XXXX XXXX covered the charges I must have had the money in the account. I tried to explain to her that yes, they paid it but they charged me a fee for doing so. She refused to assist any further.
Product: Mortgage

On XX/XX/2023 I submitted a mortgage relief application to the Virginia Mortgage Relief program to provide assistance with my past due mortgage payments and homeowners association fees. I was notified by XXXX XXXX, XXXX representative, On XX/XX/2023 a bulk payment ( no specified amount ) was sent to my mortgage company on XX/XX/XXXX, XXXX.Regular mortgage payment was made on XX/XX/2023. My XXXX, XXXX, XXXX, XXXX, and XXXX mortgage statements stated my next payment due was XX/XX/2023. On XX/XX/2023 XXXX XXXX VMRP Outreach Specialist called and notified me that a reverse payment was completed because I received aid that wasn't designated for me and to call my mortgage company. I asked for something in writing tot explain what happened because the error was not mine. They overpaid and should at least assist me in finding a resolution to a problem I did not generate. That never occurred. I was treated as if my dire circumstance was self generated. The reversal of funds sent my current mortgage into immediate default and started a process of me trying, alone. to work through this situation. That is m current plight.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX  XXXX XXXX XXXX. The online banking sends emails every month on my updated XXXX XXXX via XXXX. 
In XX/XX/XXXX, I saw my XXXX XXXX went down about XXXX points. So I looked through my credit report and found a credit card that I have no knowledge of. This card is a XXXX XXXX XXXX XXXX XXXX credit card with a limit of {$5500.00} that was opened on XX/XX/XXXX. At this time, it had a balance of {$1000.00} and was making on time payments monthly. On XX/XX/XXXX, I emailed XXXX for assistance on getting information on this credit card but they could not help me. So I contacted XXXX XXXX to get more information on this credit card since it is through their company. I kept getting passed along from different departments. They could not give me any information on the account because my personal info ( name and SSN ) did not match the account. An agent told me to fax and mail a letter attn to Credit Bureau Dispute to show any activity and account information that was listed on my report. I tried to fax but the number was non existent/not working. So I sent a letter. I received a letter back from XXXX XXXX basically stating they could not help me. 
In XX/XX/XXXX, I checked my XXXX XXXX again and saw it went down XXXX points ( XXXX ) because of this same credit card still listed under my credit report. The current balance on this card now exceeds their limit and is at {$7100.00}. 
I called XXXX XXXX again to try to get help and more information, but after I gave them my name and SSN, they do not have my personal info in any of their databases so they could not help me and said I need to go through the credit bureaus. 
So, I called TransUnion and filed a dispute on this credit card. I also spoke to an agent who said that was all I could do until the dispute was resolved. They said to also file disputes with other credit bureaus ( XXXX and XXXX ) and to freeze my credit. 
On TransUnion, I had an AKA name of XXXX XXXX XXXX and a phone number of ( XXXX ) XXXX. On XXXX, thats associated with my SSN, my name was listed as XXXX XXXX. The address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. And XXXX was XX/XX/XXXX. 
On XX/XX/XXXX, I got dispute results back from TransUnion, which they decided the investigation results were accurate, which I disagree with. So they advised that I start a report through this CFPB portal.
Product: Credit reporting

I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings. 
SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX SANTANDER CONSUMER USA XX/XX/XXXX