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

I started disputing inaccuracies on my credit file with Experian, XXXX XXXX, and XXXX in XXXX of last year. I have sent them now 3 sets of letters starting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have inaccurate account information, accounts that are not mine, inaccurate inquiries. 

XXXX has only responded to ONE letter, the others continually respond with " more information needed '' or just a new report with the same inaccuracies. This has seriously impacted my credit ability.
Product: Credit reporting or other personal consumer reports

There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history XXXX this card is wrecking my XXXX XXXX. I am demanding XXXX from experian transunion and XXXX for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX  XXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.
Product: Credit reporting

I have been challenging the inaccurate and incomplete items in my file with Experian to no avail. It has been a long journey but now I am stuck not knowing what else to do. This inaccurate and Incomplete information in my report is causing me harm.
Product: Debt collection

I believe the account is invalid. SSTXXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SST/XXXX XXXX
Product: Bank account or service

On XXXX/XXXX/2017, XXXX XXXX of XXXX ( VENDOR ) XXXX XXXX XXXX XXXX or XXXX XXXX ) XXXX issued a credit card credit to my XXXX Mastercard account using credit card processor : Elavon Inc. XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX USA https : //www.elavon.comXXXX I believe that Elavon Inc. is holding these funds for an unreasonable period of time in order to earn interest on them and profit from them while denying access to them to me. 
I also believe that if this practice is taking place with all transactions it handles, that the profit generated and the corresponding damages suffered by the affected public must be substantial. I believe this practice is illegal or, at least, immoral and is without any business justification. 
I also believe that Elavon misrepresented the disposition of the funds in question when they explained how funds from credits are handled in my phone call with them today. ( below ). 
Elavon : " The funds involved are immediately sent to the Federal Reserve and that the receiving bank must claim these funds from the Federal Reserve '' I have no issue with the vendor or with my own credit card issuing company, Attached is the running dialog with the vendor, XXXX regarding the issuance of a credit to my credit card account in the amount of {$83.00} on XXXX/XXXX/2017.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was 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 XXXX 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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving uses 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 recently look my credit report and i was shocked to see that i have been victim of identity theft, I found on my credit report fraudulent account : name, address and phone number, that i want to dispute them, I am in the process to buy a new car this fraudulent information harm my credit report. 
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: Payday loan, title loan, or personal loan

I tried applying for a loan didnt know it was s scam until the bank contacted me. Their was a lock pit on my account for suspicion activity..my online banking info was breached so all my info was changed ..I was advised to submit a complaint by my bank ...
Product: Credit card or prepaid card

On XX/XX/2019 I made a {$20.00} purchase with the credit card in issue, which I have had for the past 10 years and have always paid on time ( as shown on my credit score ).

I submitted the payment of {$20.00} to this credit card on XX/XX/2019 ( 5 Days later ) to return my balance to {$0.00}. But for some reason my payment got rejected, and the bank NEVER notified me of this incident! Not a single email or phone call or text message saying " Your payment got rejected, please verify and try again ''. 2 months passed and the bank never notified me of this incident. 

The only way I found out was when I received an email notifying me that my credit card score had been affected by XXXX points because I didn't make this payment of {$20.00} on time. 

I proceeded to call the bank and they explained that the payment got rejected because when I created the " payment information '' I used the wrong routing number. Which is unbelievable since I use the same checking account to pay the other credit cards within the same bank that issued this credit card! 

Again, I use the same checking account to make successful payments to the other credit cards within the same bank, but for this {$20.00} charge, my bank information is invalid, my payment rejected, I was not alerted of any of this, and my credit score goes down XXXX points. Unbelievable!
Product: Credit card

Throughout, I've ensured that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to Experian, XXXX, and XXXX for them to update my credit reports from the incorrect addresses and names that re reporting on my credit. They keep ignoring my requests and letters so I am formally filing a dispute for it to be deleted immediately. 

XXXX is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian is reporting the incorrect addresses of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the incorrect names of : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT REPORTING AGENCIES ( XXXX, XXXX, AND EQUIFAX ) DID NOT ASSIST IN CORRECTING THE INCORRECT INFORMATION BEING REPORTED, EVEN AFTER, I SUBMIT PROOF OF THE INCORRECT INFORMATION BEING REPORTED. - XXXX XXXX XXXX ( XXXX XXXX  CARD ) IS REPORTING, ON BOTH OF MY CREDIT CARD ACCOUNTS, THAT I HAVE BEEN, AND STILL AM, MISSING PAYMENTS. THERE WAS AN ERROR, ON BEHALF OF THE XXXX XXXX XXXX XXXX, WHEN THE SERVICE SHOULD HAVE BEEN MAKING PAYMENTS, ON MY ACCOUNT, WHILE I AM UNEMPLOYED, BECAUSE I LOST MY JOB. THIS IS THE SERVICE, FOR WHICH, I HAVE BEEN PAYING FOR, SINCE I OPENED MY CREDIT CARD ACCOUNTS. THEY DID, EVENTUALLY, MAKE ALL OF THE MISSED PAYMENTS, BUT THEY NEED TO CORRECT THE PAST NEGATIVE REPORTING, BECAUSE THE SITUATION WAS NOT AN ERROR, ON MY PART, AND XXXX XXXX XXXX NEEDS TO REPORT, TO THE CREDIT BUREAUS, MY ACCOUNTS ARE " PAID AS AGREED '' AND CURRENT, AFTER XXXX XXXX XXXX CORRECTED THE ERROR AND MADE ALL OF THE LATE PAYMENTS, UPON MY ACCOUNTS. - XXXX, XXXX, AND EQUIFAX HAVE THE UPLOADED PROOF THAT MY ACCOUNTS ARE CURRENT, AND THERE WERE ERRORS MADE ... STILL, THE CREDIT REPORTING AGENCIES HAVE NOT CORRECTED THE REPORTING, OF MY TWO CREDIT CARD ACCOUNTS.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX My Date of Birth : XX/XX/XXXX SS : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX To Experian, My name is XXXX XXXX XXXX and I need your assistance to look into the following accounts that are listed on my credit report incorrectly. I would appreciate receiving copies of the paperwork you utilized to confirm the authenticity of each of the inquiries below. Please remove these accounts as soon as possible if you don't have any proof of their accuracy. 

XXXX. This is an authorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove this from my credit report as soon as possible. 

XXXX. This is an authorized inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this from my credit report as soon as possible. 

XXXX. This is an authorized inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove this from my credit report as soon as possible. 


I want your full cooperation to start a dispute in every possible way for you to permanently block, remove, and delete these accounts on my credit report. Im progressively being worn out as a result of these accounts being reported. My health is not as good as it once was ; to put it briefly, the stress from these inaccurate accounts negatively impacts both my physical and emotional health. Enclosed may be additional evidence to support my claim. 


Truly yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

- XX/XX/XXXX, I called Bank of America and found there were two fraudulent Bank of America 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called BOA Fraud department, XXXX, XXXXo report fraudulent accounts, BOA Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to BOA Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from BOA - XX/XX/XXXX, Called BOA Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called BOA Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called BOA, BOA said both cases were closed because they didnt receive the FAX. BOA re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called BOA with XXXX for BOA Claim numbers : XXXX an XXXX, and BOA said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another 7-10 business days. 
- XX/XX/XXXX, Called BOA with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called BOA to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from BOA via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called BOA to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called BOA and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called BOA to request documents since XX/XX/XXXX. We called BOA on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but BOA doesn't give me the documents about account application forms, identity used and power of attorney.
Product: Credit reporting, credit repair services, 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. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

In my complaint ID # XXXX for Experian on XX/XX/2022 I received my dispute results via email from this company. One in particular account for XXXX XXXX I disputed the Information they were reporting is incorrect. Experian sent me a email showing their Information was validated and in fact correct.This is just one account of MANY MORE their NOT verifiying. Experian is not in compliance with the CFPB ands CLEARLY HAS VIOLATED MY RIGHTS. This has caused me a financial burden, denial of credit and mental stress. In accordance with the Fair Credit Reporting Act XXXX account # XXXXand others mentioned compliant ID XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish account without any written instructions
Product: Debt collection

I have attempted to verify claims by XXXX XXXX that I owe XXXX to them. XXXX had a very threatening attorney, XXXX XXXX XXXX XXXX XXXX call me repeatedly over the course of 7 months. I have not entered into contract with XXXX XXXX or XXXX XXXX XXXX XXXX XXXX and do not plan to. I called the attorney office back that threatened me because i was afraid of legal action based on their aggressive calling and leaving voicemails. I was finally able to verify the debt on XX/XX/2022, which is from Freedom Financial Asset Mgmt. The original documentation clearly shows that the " debt relief '' program was supposed to be at an annual 16.99 % yet my signature was electronically signed to a 19.38 % which I do not have any record of until my request. The first page of the Freedom Plus Loan Agreement is the only page that was presented to me which displays the 16.99 % as agreed. This was a deceptive practice and caused the payment to be outside of ability to pay based on our debt to income at the time, and currently is about 46 % today. I have attempted to contact Freedom to resolve the matter, but no response just threats from attorney 's office and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SS : XXXX DOB XXXX XXXX  I am filing this CFPB complaint requesting pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX/ Transunion/ XXXX XXXX reporting agencies to 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. These fraudulent accounts, inaccurate and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account # XXXX. The other account is XXXX on XX/XX/XXXX under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries as well as a copy of consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize these accounts, collections and hard inquiries that are reported. This has resulted in mental anguish and pain. 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 case # XXXX 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: Credit card or prepaid card

The Goldman Sachs Marcus card offered a {$150.00} statement credit upon reaching a certain spend limit within the first 90 days of opening which they failed to honor. After several letters to the office of the CEO, XXXX XXXX with no favorable result I cancelled the card. 

However, they continue to willingly and knowingly report false information to the credit bureaus by way of being listed as an open trade line on my credit profile. I consider this to be fraudulent in nature and may even have a negative effect upon my borrowing power since they continue to report the account as a potential liability. 

Caveat Emptor!!
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX Balance Owed : {$700.00}
Product: Debt collection

Caine & Weiner is attempting to collect a debt that is not valid. I have requested proof on XX/XX/XXXX in writing. I also disputed the account on my credit report. I requested a validation of debt along with requesting supporting documents binding me to a contract with them that they failed to provide. Instead they sent a verification of the debt letter on XX/XX/XXXX when I clearly asked for a Validation of Debt. They did not provide me the information requested and I demand the account be permanently removed from my credit report.
Product: Debt collection

I was recently made aware that I am too a victim of XXXX and the services provided thru XXXX XXXX XXXX XXXX. ( Case : XXXX ) I am currently experiencing financial hardship as creditors are coming at me and my accounts have been drained from fees to XXXX XXXX. They are threatening to garnish my wages and my credit score has been significantly impacted. I am curious if you can help me or at least point me in the right direction to get some help. 

I reside in XXXX XXXX Ohio, and am unsure what my options are.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX, US DEPT OF EDXXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ), US BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), has violated my rights.

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 an account without my written instructions.