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

I am unable to manage the security freeze on my Equifax Credit Report using the website, automated system or the mobile application. I also am unable to use the XXXX XXXX XXXX website or mobile app to manage a credit lock either. My address is also incorrect on my report and I have sent the requested identity documents several times for verification by mail and fax as instructed but there has been no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX XXXX XXXX, XXXX XXXX BMW Financial Services, and to the Federal Trade Commission. 

XXXX XXXX XXXX
Product: Mortgage

The main issue with my current mortgage company started back in XXXX when I received correspondence that my mortgage company would be changing from XXXX XXXX XXXX to New Rez. As requested by New Rez, I went into my payroll system for the XXXX to update the wiring information from my XXXX XXXX allotment to the new banking information provided by New Rez. I changed the wiring information upon receipt of the routing and account numbers when I spoke to a representative back in XX/XX/2022. My next payment from the XXXX system that controls my XXXX XXXX XXXX pay in XXXX was supposedly not received by the banking institution New Rez uses and I received a past due letter by mail. I submitted the proof of payment referencing the attached documents ( Allotment screenshot of updated, and the past two End of Month LES ) to show that the allotment was wired by allotment to their banking institution that handles the payments using their " Contact us '' link on their website. Within 30 days my account was credited as they had found the allotment payment submitted to my mortgage company in the amount of {$860.00}. This same situation occurred again in XXXX with me receiving a letter and then by me checking my account status online through my mortgage portal of New Rez. I again submitted proof of payment by allotment through wire using the payroll system XXXX that the XXXX XXXX XXXX uses to pay it members. I submitted documents ( EOM LES, allotment screenshot information from XXXX ) to show that the banking information input was correct and that the money had been deducted from XXXX XXXX and sent to their banking institution. I then called on three separate occasions to follow up on my submission of the documents to check the status. This was over the course of XXXXhree weeks. Finally, after over three weeks I was able to get a representative to confirm with me that none of the other representatives had not submitted a ticket for review to the appropriate department for my dispute over the past due amount of {$860.00} which had been sent the same way as in XXXX and had not been received although, XXXX payment, XXXX payment had been credited to my account with no issues. This is where the concern is for me and where my biggest frustration is with their proper tracking of wired payments made to the bank that handles their payments. It is now XXXX and after having received a secure online correspondence from them stating that a payment had been applied but there was still a payment missing is my concern. I have not changed any of my allotment information on the XXXX system since it was originally input correctly in XXXX and I had called at least two separate occasions to confirm the accuracy of the routing and account numbers for payments. I have attached documents to show wired payments coming from my XXXX pay, the letters of correspondence, screenshots of wired allotment information, and statements from my mortgage company. As of today, the statements still show my account is past due {$860.00} from the supposed missed payment in XXXX.
Product: Money transfer, virtual currency, or money service

I am submitting this complaint regarding Zelles mishandling of a dispute involving money that fraudulently transferred from my account. Despite my repeated attempts to resolve the matter, Zelle failed to provide any meaningful follow-up, formal response, or compensation. After initially reporting the unauthorized transfer, I was assured that the issue would be investigated, but no updates were ever provided. Each time I called to inquire about the status of the dispute, I was met with delays and vague assurances that someone would get back to me, which never happened. This lack of accountability and customer service has caused significant frustration and financial distress. I am requesting that the CFPB intervene and improves its dispute resolution process to prevent similar issues in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are on my Experian Credit Report which are not the correct addresses for me. These addresses are incorrect and improperly on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Balance : {$14.00} ), XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with you
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681a, which defines the obligations of credit reporting agencies to ensure the accuracy and integrity of the information they report. I disputed inaccurate information account ( # XXXX ), but XXXX failed to follow up or correct the errors. 

XXXX actions also violate Section 1681i, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The CFPBs recent lawsuit against XXXX, alleging the acceptance of unreliable information and failure to notify consumers of dispute results, mirrors my experience. This failure has negatively impacted my credit and ability to obtain financial products. 

XXXX negligence in this matter violates my consumer rights under the FCRA, and I request the CFPB investigate and take corrective action.
Product: Vehicle loan or lease

Santander Consumer USA reported a 30-day late payment on my credit report for XX/XX/2020. I signed an Extension Agreement for XX/XX/2020 & XX/XX/2020. This late mark must be removed. 

My dispute with the credit bureaus resulted in Santander successfully deleting the late payment from my report. That's the only late mark. However, Santander took the time to add it back. 

I pay higher than the minimum. My payment history is PERFECT.  Seems as if Santander doesn't care we are in a global pandemic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm Disputing all of theses inquiries. I haven't completed a security 's collateral application with these corporations.
Product: Debt collection

XXXX XXXX is a very unethical company they have purchased debt from Santander consumer claiming that I owe them now XXXX without explanation I have requested information from them the information that was sent was incorrect. They created a ledger and titled it " Santander transaction history '' as if the file sent was from Santander when in fact it was not. The information on the ledger was incorrect and was not in correspondence with the original explanation of calculation of surplus of deficiency. XXXX claims I owe XXXX and Santander said I owed XXXX XXXX management has yet to clarify why they are requesting the number they are and where the credit of XXXX has came from. On the ledger they created they have claimed I did not pay my car note for the month of XXXX in which I did and sent the proof of statement for that month. It is against my consumer rights to try to collect on an incorrect amount. I have tried my absolute best to get this company to right there wrongs they will not. I have sent a letter breaking down WITH PROOF how they amount they was trying to collect on was incorrect they sent a letter stating that the information was not substantial for dispute! I truly believe the CFBP needs to seriously investigate this company as they are violating consumer rights and defaming me. This collection being on my credit is so detrimental to my life I have tried over and over to get them to remove because they can not verify the debt and they will not this is literally ruining my life. I am a struggling single mother and there are rules and regulations in life that I must abide by regardless of that and I believe companies should do that as well. I live my life with integrity and if I am wrong I will make things right. This company has no morality and does not abide by the laws written for them and I believe they should be truly looked into. You should not run a company disguising yourself as help for the consumer when you're screwing them to collect dollars when you bought the debt for pennies. Its disgusting.
Product: Bank account or service

Chase bank closed my account without any reason at all. When I asked them to give me a reason, they stated they do not need to give me a reason. This is an account that I opened in the branch, with all docs they requested of me. It is a business checking account for the NON-PROFIT CHARITABLE FOUNDATION that I started about 5 months ago. I have several other accounts at Chase - personal checking and savings, business checking and savings. They chose to close the account for my charitable foundation unilaterally and told me repeatedly that they do not need to give me a reason. I am not involved in any kind of illegal activity, or even any kind of activity that would be considered questionable. My charitable foundation is a membership organization that pools funds every month from members and donors, and writes a check to a recipient who needs the money due to medical bills, job loss, etc. I ca n't believe they would do something so heartless.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. 
FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I am disputing with EQUIFAX the following Unauthorized / Unknown accounts that showed up on my credit report on XX/XX/XXXX. I have filed two complaints with the FTC in regards to this matter. FTC Complaint Reference number is # XXXX and XXXX. I am a previous victim of identity theft back in XXXX and already have an extended fraud alert placed on my EQUIFAX Credit report so there should be no excuse as to why these Unauthorized accounts unknowingly hit my report without my consent of proving the accounts belong to me. These accounts reporting to my credit report go violated the Fair Credit Reporting Act and Equifax is not following FCRA reporting practices. This issue has been affecting my ability to hold a job and get approved for a home mortgage. I have also reached out to both the creditors and have attached a filed Identify Theft Police Report, My Two Filed FTC complaints and a copy of my XXXX  and XXXX XXXX credit report reflecting that the following two accounts do not belong in any of my personal reports. I would really appreciate getting this resolved in a timely fashion or I will be forced to escalate this issue even further to the state attorney generals office and Senate level. Below are the reporting Unauthorized Fraudulent accounts that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

1 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX XXXX Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} 2 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX   XXXX Unknown Account Status : Open Unknown Payment Status : Paid Unknown Balance : {$6300.00} EQUIFAX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX, XXXX GA XXXX
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. To Equifax Recently i did an inves
tigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX on XX/XX/XXXX about information on my credit report in regards to inquiries. There were some that I did not authorize. XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I asked them to please delete the inquiries and they told me I need to file a complaint here in order to get them deleted from my credit file.
Product: Debt collection

Listed XXXX, XXXX Portfolio Recovery Associates, Portfolio Recovery A, original debtor : XXXX, listed as open account, charged off by original.debtor,, last pd XX/XX/2007. Different C/R removal dates.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I recently viewed my credit report issued by your agency. Needless to say I am extremely upset that my report is replete with inaccurate and false information, all of which reflects poorly on my credit worthiness. In accordance with the Fair Credit Reporting Act, Section 611 [ 15 U.S.C. 1681i ], I expect you to complete this reinvestigation within 30 days. XXXX - XXXXThis account is in violation of 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, I received two letters from Consumer Portfolio Services, one in  XXXX and one in XXXX XXXX, showing a lesser balance than what appears on my XXXX XXXX and XXXX credit reports. I wrote a letter with copies of the XXXX XXXX letters from XXXX and XXXX XXXX, and mailed it to all four companies on XXXX XXXX, XXXX, informing all four companies of the incorrect reporting. I received a letter back from all four companies : XXXX XXXX and XXXX and Consumer Portfolio Services in XXXX XXXX that the amount was correct and would not be changed on my credit report. 
Thank you. 
Concerned Customer
Product: Credit reporting or other personal consumer reports

they put in credit report missing pay any times, but those loans and credit card pay all, please help me with that. Appreciate, Thanks
Product: Checking or savings account

Paycheck deposited Saturday XX/XX/21. 
All funds were available in account on Tuesday, XX/XX/21. On Wednesday XX/XX/21 the funds were withdrawn by bank from account because " they received a notice that the account the check was from might have insufficient funds. '' They will not attempt to collect again until XX/XX/21. Until then, they keep charging overdraft fees for all transactions made while funds were available during the times XXXX. 
Upon contacting the bank the check was from, the funds had already been withdrawn. No one knows where the money is now, and my account is over {$800.00} overdrawn.
Product: Money transfer, virtual currency, or money service

I was the victim of an elaborate and involved scam on XXXX XXXX  involving XXXX and a fake XXXX email that requested I send {$900.00} through XXXX to make an original transfer go through. 

The buyer paid me on XXXX but the money never went through. He said it was because I didnt have a business account so he paid XXXX {$900.00} to upgrade my account status and said he had to to that once before too. The fake XXXX email directed me to issue a payment via XXXX so that the XXXX transaction could go through to my account. 

This was all a lie and I was conned out of my {$900.00}. He said there was a mistake and that I needed to send more, at which point I realized I was being scammed and this person was committing fraud. Because I sent the money on XXXX from my account, my bank ( chase ) said there was nothing they can do. I have screenshots and records of all the fraudulent emails from XXXX that requested that XXXX transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreed to take a XXXX  deed back. Completed in XX/XX/2020. Sent us a letter to confirm it was completed. We Applied for a new home loan and were denied. Checked with Experian and it showed Derogatory - Foreclosure. 
I called XXXX. Said they reported as a return back to them not foreclosure. Need this fixed on our credit report!!
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit report is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Balance, Past Due Amount, Last Reported Date, Date Last Active, Date of Last Payment.

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law and that means the furnisher legally can not report my account late for any reason. Unless they are able to provide documented proof that the statements were mailed to me within the specified time frame under the statue any late payment indicators must be corrected. 

This dispute will serve as notice of the inaccurate information that is on my credit report for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit card or prepaid card

Syncrony Bank has opened an account with with my info in another persons name, I have called numerous times and they have failed to solve the problem. My name is XXXX XXXX and the scammer is using the name XXXX XXXX. The bank refuses to help me solve this issue. I will be forced to close all of my credit reports. Please help me! My email was sold on the dark web and I need this resolved. The bank won't listen to me even though all of my personal info is connected to this account.