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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX under account number ( XXXX ) on XX/XX/XXXX XXXX, under account number ( XXXX ) on XX/XX/XXXX XXXX XXXX, under the account number ( XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or Initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I disputed this account XX/XX/2023 & XX/XX/2023 via Phone which NCA XXXX confirmed on a recorded call which the rep was aware. Nca hasn't respond to my disputes until XX/XX/2023 via CFPB XXXX past 30 days to validate this debt. which violate 1692e ( 8 ) they never marked my account. they also failed to provide documents / proof on how my balance is {$880.00} the documents they sent on XX/XX/2023 show the balance is {$800.00}. Also the original creditor still reported inaccurate, NCA say the original creditor is Check Smart, on my credit report it report XXXX XXXX but on the documents shows XXXX Check Cashing of Arizona XXXX, im attaching documents of the late response from NCA on XX/XX/2023 & the original contract to prove they attempting to collect the wrong of amount of XXXX the paper work show the balance is {$800.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes specifically in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my problems, my bank and Zelle ailed to do anything about my claims
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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 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 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, credit repair services, or other personal consumer reports

On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this Associated Bank I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to WE-CARE it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.
Product: Mortgage

This is new information and a new complaint NOT the same as previous complaint. The mortgage for XXXX XXXX was through XXXX XXXX XXXX, which was bought by Wells Fargo. We have been in contact with Wells Fargo and they said they can't find the mortgage. Both XXXX XXXX XXXX and XXXX XXXX  have notified us that Wells Fargo is the responsible party, despite their statement they don't have the mortgage. They are the interest as successor. XXXX XXXX XXXX was acquired by XXXX XXXX in XXXX and ceased operations in XXXX. XXXX XXXX and Wachovia Bank merged in XXXX and became Wachovia XXXX Wells Fargo acquired Wachovia 's consumer banking and mortgage business in XXXX and XXXX. Because of this, Wells Fargo must be the banking institute to give us the mortgage satisfaction and they refuse to acknowledge it.
Product: Debt collection

HarleyDavidson collections was Paid for debt owed on XXXX XXXX,2015. STILL shows as being open on XXXX XXXX credit. called this establishment and was told that it takes 30 - 45 days to be removed. It has been 43 days effective today.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with XXXX concerning a public record ( XXXX XXXX XXXX XXXX, TN : # XXXX ) thats being reported in error, incorrectly, invalidated, and not properly verified. I requested that this information be deleted from my consumer report. XXXX responded stating that this item was verified by the " XXXX '' ( XXXX XXXX XXXX XXXXXXXX, TN ) reporting that the information being furnished had been verified and certified by the " company '' to be accurate. This is false and also untruthful information being reported. I spoke with the courts of The XXXXXXXX XXXX XXXXXXXX of XXXX, Tennessee directly and verified to me that they do not and has not verify or furnish any court proceeding nor filing ( s ), discharges, or dismissal ( s ) to any of the major national credit bureaus ( XXXX, XXXX, XXXX ). Meaning that XXXX either lied on The United States Bankruptcy Courts or lied about verifying this information being reported. Either way this is a violation of state and federal laws including FCRA laws such as 15 U.S. Code 1681i ( 5 ) and several more. In a previous dispute with XXXX about the same issue. XXXX responded stating that they verified the information to be accurate through a third party company LCI Consumer Center but not the original creditor. In fact XXXX is not a third party company, it is a XXXX company and partner which is not properly verifying this public record. This invalidated information is be verified from XXXX. I have filed disputes with XXXX and XXXX to delete/remove this information and both companies has yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Trans Union FICO score went down on XX/XX/2022 from XXXX to XXXX and I do not understand why it went down when I have 100 % XXXX payment status. I have not made any large purchases on any of my credit cards. The only thing I did was change my address, but that should not cause my credit score to drop that dramatically. 

I should mention that on XXXX, 2022 my XXXX XXXX  Trans Union FICO went from XXXX to XXXX so it makes no sense that the score would drop XXXX points on XX/XX/2022 This drop in FICO score is preventing me from getting the best possible interest rate on my loans, and balance transfer that I am trying to get. 

I attached a screenshot of my XXXX card FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I received a notification from all three credit companies, Transunion, XXXX and XXXX. That a debt collection/ collection agency reported something FALSE to my credit the collection agency being XXXX XXXX XXXX in the amount of XXXX. This is false. I do not know who These people are and I do not know if a XXXX. They have allowed a false agency to report something false on my credit. Please resolve this. Immediately. This is not my debt. I do not owe these people such a thing at all.
Product: Credit reporting or other personal consumer reports

I contacted Mid Florida Finance, located in Florida, regarding a fraudulent car loan allegedly originated in Georgia by the now-closed company, OK Carz. I informed the company that I have never had a car loan and that I am a victim of identity theft. In response, they provided a blacked-out photocopy of a state ID. Despite my explanation, Mid Florida Finance, specifically a representative named Ron, has continuously refused to remove the fraudulent account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, creditors and credit reporting agencies are required to ensure that the information reported is complete and accurate. I exercised my right to dispute inaccurate information, yet this company has failed to conduct an appropriate investigation or remove the false account. This has caused significant damage to my credit profile, as the company continues to report inaccurate information, including a false claim that the account is under Chapter 7 bankruptcy.

The law also mandates that if a consumer is a victim of identity theft, companies are obligated to block fraudulent information from credit reports after being notified. Despite this, Mid Florida Finance has refused to correct the errors. This willful non-compliance is in violation of my rights under FCRA and constitutes a discriminatory action against me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681. Upon reviewing my credit report, I found the following inaccurate items, which I did not authorize or provide consent for reporting : 1. Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is incorrect and shouid be removed from my credit file as I have no connection to it 2. Unauthorized Accounts : XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not provide written consent to these creditors to furnish or obtain my personal information, as required by law under XXXX5 U.S.C 1681b. Therefore, I request that these accounts be removed from my credit report immediately.

Please investigate this matter and remove the inaccurate information within 30-day period as required by law. I expect to receive written confirmation once the requested corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX/XXXX Inquiry from XXXX XXXX, XXXX + Complete Dept. Stores XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Services, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX , XXXX. 
Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX-XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Misc. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXXXXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no help.
Product: Student loan

XX/XX/2017-Refinanced higher interest loans while leaving lower interest loans by using XXXX for the total amount of {$190000.00}. 
Navient incorrectly received and allocated funds to loans that were paid by XXXX. 

After 2 months of reaching out to Navient to correctly allocate payments, Navient finally allocated the missing {$25000.00} of payments from XXXX to the correct loans. 

However, in doing so, Navient has now increased the principal amounts of other loans that were not refinanced by almost the same amount, {$24000.00}. Existing loans that were not part of the refinance now have incorrect principal amounts greater than the original amounts. This is a clear and blatant action from Navient to falsely alter other loan balances. I have proof of all loan balances before and after Navient 's adjustment that were illegally changed without my approval or knowledge. 

Navient continues to refuse my claims of improper payment allocations and refuse to accept any evidence to support my claims. I have taken screenshots, printed PDF copies of all my loans during the refinance process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, fraudulent accounts or charges appear on my credit report. As shown on Transunion, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a total fraudulent amount of {$2700.00}.
Product: Debt collection

I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever
Product: Checking or savings account

The amount XXXX was an unauthorized charge on my chase checking account on XX/XX/year> for guerlain.com. I file dispute with chase bank and chase ask me to contact merchant. Merchant provide information shows shipping address and billing address both are not match my bank account. But the transaction is still go through. And chase told me they wont able to assist me with this fraud transction. Billing address is wrong the transaction supposed to be denied. Isnt it?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX, XXXX XXXX, Equifax have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score
Product: Credit card

XXXX of XXXX I noticed I've been paying for reoccurring charges to businesses I do not use. Put in disputes that were denied and I locked my cards during this process. The same businesses were able to still charge my card and American express continued to let them do so after hours of phone call, police reports for disputes and incurring interested. My account was cancelled. Amex continued to run me around sending documents to them multiple times, sitting on the phone back and forth to countless people with no resolutions ever. just more paperwork police reports and things for me to do. All while Amex is still charging me. XXXX XXXX all my calls to Amex resulting in them telling me i was sent to collections. Collections company sends me a statement for a specific amount. Collections is not reporting to my credit report. Amex is reporting to my credit report, and the statement balance is increasing. They won't handle my disputes correctly and correct my balance due on an account that should have been cancelled and closed XXXX XXXX They are saying my account is in collections meanwhile holding my account open and charging me interest monthly. 

The previous response to be not sufficient and did not cover any of my issues with the disputing. the credits given to me in XXXX of XXXX were given after a millionth phone call and me pursuing this monthly to be passed around with no new info. 

Now communicating with the company just doesn't happen they refer me to collections. yet, still send me statements with an increasing balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance 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
Product: Credit card or prepaid card

Received a debit bank card from Chase bank I never applied for. I burned card and all paper work associated with card.
Product: Credit reporting 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 Balance : {$5200.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1600.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>