23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My account was hacked and was used by bitcoin i showed proof if different long in area and informed them i was being hack. They closed jt account and locked it without further looking into the matter and because of that i can never use cash app again! I also had money on there when they closed my account and didnt return my money
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report the failure of financial institution and the involved credit reporting agencies to adequately investigate and resolve disputes regarding unauthorized and unknown accounts and transactions reported to my credit report. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693. 

Specific Issues : 1. Unauthorized Accounts : I have identified multiple accounts placed under my name that I did not open or authorize. Despite submitting disputes with supporting evidence, these accounts remain on my credit report. 
2. Deleted Accounts Reinserted Without Notification : Accounts that were previously deleted after dispute resolution have been reinserted into my credit file without my knowledge or the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Failure to Remove Unauthorized Entries : Several accounts and transactions I reported as unauthorized have not been removed, and the credit reporting agencies have failed to provide adequate explanations or verify the accuracy of the disputed information.

These inaccuracies have caused significant harm to my credit standing and financial well-being. Despite my efforts to resolve these issues through direct communication with the credit reporting agencies and financial institutions involved, I have been met with dismissal and insufficient investigation.

Relevant Laws : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires that credit reporting agencies notify consumers within five business days if previously deleted information is reinserted into their credit file. I did not receive any such notice.

15 U.S.C. 1681c-2 : Mandates the blocking or removal of information resulting from identity theft or unauthorized accounts upon receipt of appropriate documentation.

15 U.S.C. 1693f : Provides protections for consumers disputing errors in electronic fund transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice I have requested that Transunion remove the incorrect information that I still have a personal loan from my credit union. The first time they " verified their information is accurate '' but that is 100 % incorrect and easy to verify with the bank. I am glad to share a written statement by an employee of the credit union stating what I have said is correct, and what Transunion refuses to correct, is incorrect. Transunion also does not update when I pay off a credit card, significantly hurting my credit. Over 3 months have gone by and they have not updated my credit, showing my credit card is paid off. I have shared files as documentation that I what I am saying is correct. I have just refinanced my house and also am attempting to buy a car right now and their incompetence is costing me over 30 points on my FICO score. XXXX has no trouble keeping up, I believe Transunion should be removed from having responsibility with credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 dispute letters to both XXXX XXXX, XXXX, XXXX XXXX and 3 credit bureaus in regards to failure to verify my account. They have continued not to provide me copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. They continue to send me to account statements which is not a proper form of verification of debt.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My daughter and I purchased a car from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The car is financed by Credit Acceptance Corporation. In addition an extended warranty was purchased for {$2400.00}. The extended warranty company is XXXX XXXX XXXX XXXX , XXXX We were given a generic brochure on the purchase date by the dealer and told the agreement would be mailed within two weeks. We never received the service agreement and called XXXX XXXX to inquire they said they didn't have a copy. I called Credit Acceptance Corporation and mentioned that I never saw or received the agreement. They immediately offered to send me a copy of the agreement. I thought it was odd that they had a copy, since they are a " separate '' business entity. We started having issues with the car and called XXXX XXXX several times with claim related issues. I called Credit Acceptance Corporation and told them I was having problems with the extended warranty. XXXX XXXX ( Credit Acceptance Corporation ) told me they had reviewed claims that I submitted to XXXX XXXX. I want to dissolve this relationship with Credit Acceptance Corp for the following reasons : 1 ) Lack of privacy with personal information. No permission was given to CAC to review claims. They should not have an influence on claims. XXXX XXXX is suppose to be a totally different company. 
2 ) Had I known the '' two '' companies intermingled information, I would have selected a different extended warranty company. 
3 ) The odometer reading on the extended warranty contract reads XXXX, the Bill of Sale contract with Credit Acceptance Corp reads XXXX. CAC/XXXX XXXX  executed contracts with this huge inconsistency. 
4 ) It is obvious that Credit Acceptance Corp and XXXX 's is one in the same. This is different that what's presented to the customer.
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a potential violation of the permissive purpose provisions under the Fair Credit Reporting Act ( FCRA ), specifically concerning the dissemination of information obtained from the U.S. Bankruptcy Court.

As per the U.S. Bankruptcy Court guidelines, court records related to bankruptcy proceedings are not made available for public distribution or sharing with third-party credit agencies. The U.S. Bankruptcy Court does not directly furnish any bankruptcy records or information to third-party credit reporting agencies such as Lexis Nexis. 

It has come to my attention that Lexis Nexis have obtained and processed information from the U.S. Bankruptcy Court related to my personal bankruptcy records without a clear and proper permissive purpose, as outlined under the FCRA. This is a matter of concern as I believe that Lexis Nexis didn't have had the legal standing or valid purpose required to obtain or distribute this sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion website is not allowing me to dispute inaccurate information. 
XXXX is no longer in business and has reported inaccurate information on my credit report. I disputed on Transunion website and had received an error. I was given the fraud department phone number, then the consumer complaint department and then finally a dispute number. It's a game of frustration getting anything done. I submitted a FTC report and also a valid identification on my credit report. Its made to wear you down and not resolve any issues one per day.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particulary in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX  'S findings indicate that Zelle has not only neglected to proctect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block information on my consumer credit report that has resulted from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent and incorrect information includes the following : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts have led to several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the listed accounts or collection as mine. The accounts and collection listed on my consumer credit report were not opened, initiated, or authorized by me. They are all a result of identity theft and fraud. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, which verifies that the listed accounts and collections are due to identity theft and fraud.
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$1100.00}. I was told these funds would be available in five business days. Then, on XX/XX/XXXX, ( the fifth business day ) I was told that it would be available on XX/XX/XXXX by the end of the day and given no reason for the delay. Today, on XX/XX/XXXX, they changed their minds and decided it would be on XX/XX/XXXX, and I was again given no reason. 

I asked to speak with someone from several different departments and was told there was no one else I could speak to. 

I have given this bank no reason to hold my funds for an extended period of time, and the funds have already cleared the account that the deposited check was written from.
Product: Credit reporting or other personal consumer reports

I am writing to address a persistent issue regarding the validation of my address and identification details in your records. Despite submitting the required documents multiple times, it appears that these vital pieces of information continue to be disregarded by your bureau. 

I can confirm that the address and identification provided are valid and up-to-date. I have taken the necessary steps to ensure that the documents submitted are accurate and meet your requirements. However, it is concerning that these efforts have not resulted in the validation of my address and identification details in your records. I kindly request that you thoroughly review the documents I have submitted and update my information accordingly.It is crucial that my address and identification details are accurately reflected in your records to avoid any further discrepancies.
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 According with the fair credit reporting act XXXX account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, transunion, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX XXXX reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, transunion, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section XXXX ( a ) ( XXXX ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, XXXX have on file for the account listed below.. It has been more than 60 days and XXXX, transunion, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof XXXX, transunion, XXXX must remove the accounts and billing errors listed listed below. 

XXXX. The following account is not mine and has not been verified please delete XXXX XXXX ( Original creditor : XXXX  ) Account XXXX XXXXThe following account is not mine and has not been verified please delete XXXX following account is also reporting late payments I was never late on this account XXXX XXXX Account number : XXXX I was never late on this account but you are reporting late payments on my report. 15 U.S. Code 1666 - correction of billing errors - timing of payments billing error always paid as agreed on time this is an error this account in violation. Also violating 15 U.S. Code 1681e and 15 U.S. Code 1681i- this account in violation not reporting 100 % accurate 3. Delete this inquiry The inquiry was not authorized XXXX  Date of inquiry : XXXX XXXX, XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2021
Product: Credit card or prepaid card

Discover credit card attract customer to use digital wallet to buy things on the internet. However when I using the card there is a unauthorized translation so I called and reported it to the discover. Yes, the unauthorized translation was canceled immediately and they sent me a new card. But the card cant add to XXXX XXXX  again. I tried to call discover but no one can really help me solve the problem, they transferred me through 7 agents and I have to tell them information again and again. It really wasted my time and no reliable system to help customer solve the problem. Because the online store can only return refund original way. My money is lost. And I dont know what to do because no one actually follow my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, names are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following name, address, phone number and employer is correct and should be reported : -- 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

THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX
Product: Mortgage

Citizens Bank locked out my online account, requiring me to call in. However, when you call in, the system has no provisions to recognize a mortgage account, only a banking account ( checking/savings ) so you can not actually call in and get it unlocked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX - Acct. # - XXXX and Fifth Third Bank- Acct. # - XXXX - Are Reporting Late Payments with the credit bureaus and 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to send statements to consumers and to ensure that payments are not late. 
Requirements Statements Creditors must send a statement to consumers at the end of each billing cycle. The statement must include the outstanding balance and the amount and date of any extensions. 
Delivery Creditors must mail or deliver the statement at least 21 days before the payment due date. 
Late payments Creditors can not treat a payment as late unless they have taken reasonable steps to ensure the statement was delivered on time. 
Excusable causes If a creditor is unable to deliver the statement on time due to an excusable cause, such as a natural disaster or war, then the late payment rule does not apply.