23daVinci/CFPB_Complaints huggingface dataset:
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. Account name XXXX XXXXXXXX 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

An old phone number of mine, which I have no access to, is linked to my Experian report and Experian online account. Due to that, I am unable to sign in or retrieve any information on my credit report due to a 2-step verification that sends a text to an old phone number. I attempted to reach their customer service department to attempt to update my personal information/phone number. Also to prevent any stranger accessing my account if they get the old phone number assigned to them. None of the phone numbers that appear online for Experian give you an option to fix this issue, or at the very minimum, allow you speak to a human or representative that could walk you through fixing this. Their official website also does not give you an option to update this information.
Product: Debt collection

I have been receiving phone calls from a debt.collection agency XXXX XXXX XXXX claiming ownership of a bill under my name XXXX XXXX. Per XXXX they are collecting for XXXX XXXX XXXX XXXX  XXXX. XXXX are collecting {$1000.00}. The date of collection from XXXX according to my credit report is XX/XX/2013. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX and were told that they do not send collections to XXXX and they don't know how they got my information. They show a bill owed in the amount of {$470.00}. for services rendered in XX/XX/2013. They said they send collections to XXXX XXXX who I contacted and settled all debts with. They stated they do not sell information to 3rd parties and do not work with XXXX. In addition, I gave my credit card information to XXXX and they are taking payments. At the time, I assumed the bill was a legitimate bill and XXXX was a credible agency. I have been unable to reach them at ( XXXX ) XXXX to stop payments and remove this false information from my credit report. The account number XXXX has assigned to this bogus bill is XXXX.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of bankruptcies in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction with the ongoing issues regarding the late opening of my account. Despite my previous attempts to rectify this matter, it appears that the problem persists, and I find it increasingly frustrating. 

The delays in opening my account have caused me significant inconvenience, as I have been unable to access the benefits and services associated with it within the expected timeframe. Furthermore, the lack of communication and transparency regarding the reasons for these delays only exacerbates my frustration and erodes my trust in your institution. 

Therefore, I urge you to take immediate action to rectify this situation and ensure that my account is opened without further delay. Additionally, I request clear communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. With this, I am asking for your assisstance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Product: Bank account or service

My checking account with Wells Fargo was fined for an overdrawn balance due to a cable company called " XXXX '' in XXXX NC. The fault was with XXXX, and so Wells Fargo charged me an overdrawn balance and never bothered to repay me, even after I received a minimal balance back from XXXX cable company. Also I have a new checking account that I share with my wife XXXX XXXX, and recently an amount of money was taken out that should have never been taken out to begin with, resulting in my gas for my car for work being empty, and my lights almost being shut off that I share with my wife, and other past due bills being effected due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was onXX/XX/XXXX. And now we are in the month ofXX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This collection and account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Tr
eatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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. 

I attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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: Debt collection

XXXX XXXX XXXX  have been calling my job repeatedly. They have called my mother, who is XXXX from XXXX, and other family members. They have threatened to send the police to my job. 
They say I owe a payday loan from 2016. I have no recollection of that transaction. They said the loan was for {$500.00} but they want to charge me {$3500.00}.
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 rederally profecia consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Secc04 A Section 2. It also states a consum instructions ing agency can not furnish a account ut my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report t more than seven years.

15 USC 1681-2 ( AV11 A person shall not furnish any information relating to a consumer to any consumer reporting agency or if the person knows or reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

On XX/XX/2021 I mistakenly sent someone named XXXX XXXX some money on XXXX that was completely unauthorized. I requested the money back from XXXX XXXX in a refund form through XXXX and she declined sending me my money back although it wasnt meant to be sent to her. XXXX declined to dispute my transaction prompting me to contact my bank or request a refund from XXXX, in which she declined. Ive contacted my bank, which is Chase Bank and theyve now filed a dispute. I just want all of my money back. The amount is for {$420.00}.
Product: Credit card

I have received notices of non-payment days/weeks after, using my credit card ending in XXXX. I just got one Today! I paid this Company weeks before I was told that it was declined and had no problem using their service until today. It dawned on me that Discover had sent me the card, ending XXXX WITH THE EXACT SAME BALANCE ON IT, AND DID NOT REQUEST!!! This was TODAY!!! Then it hit me why I've been getting non payments NOTICES weeks after I've made Payments. DISCOVER changed the ending XXXX!!! It IS THE ONLY Possible Reason! My balance on XXXX was only {$40.00} something Dollars, AND THE CARD ENDING IN XXXX, that I PUT Up will be The EXACT Same Amount, LIKE THE WAY THAT IT was sent to me with THE Same BALANCE!!! Please don't wait Until They Try To XXXX XXXX! XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

CashApp froze my account because they suspected a fraudulent transaction. I verified my account information & told them the transaction was not fraudulent. I requested them to unfreeze my account as I needed access to my money. They continued to repeat I had to wait 24-48 hours for them to " complete their investigation ''. I told them the investigation should be complete once I verified my information & the transaction. But they repeated the same thing over & over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly lates in XXXX and XXXX on the XXXX XXXX XXXX, XXXX partial account number ****XXXX. (  Please see page attached from my credit report. ) I applied for and was approved for a loan modification on XX/XX/XXXX. Please see loan modification documents from XXXX XXXX   attached. The lates that are reporting are after the loan modification was approved and therefore these lates are reporting in error. In addition, this debt was discharged through a Bankruptcy. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
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 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 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: Consumer Loan

From XX/XX/XXXX through the present time OneMain Financial has continued illegal and abusive attempts to collect debts that they are not legally entitled to collect/receive because of the fact that they have committed common frauds and/or have no current valid agreement of accounts stated to establish a verified debt which entitles them to collect/receive on this alleged liability. Furthermore, this company is not in compliance with the fair credit reporting responsibilities that state and federal laws mandate that they must do when managing consumer accounts. At this time all XXXX Credit Bureaus have inconsistent information that is as a result of OneMain Financials improper actions that it seeks to deliberately obfuscate from the eyes of regulators yet ironically seeks to enforce its own nefarious agendas. OneMain Financial continues to engage in harrasment via email, phone calls and letters denoting legal consequences as though sent by a lawyer/law firm despite knowing that this is illegal and improper. The company has recently reorganized reincorporated itself. New account numbers and transfer of the alleged debt has occurred as of XX/XX/XXXX. This email will serve as a full dispute denial of the entire amount alleged to be owed to OneMain Financial. No new contract has been signed on this account stated to verify the transfer of loan servicing entity and no verification has been received to demonstrate that OneMain Financial or their reincorporated entity is entitled to anything from me. This pertains to all prior information within their possession since a proper chain of custody of accounts stated has not been received by me. Furthermore, the credit bureaus are and have been decieved by OneMain Financial for several years as to the appropriate details pertaining to this alleged liability. Finally, this email is not an acknowledgement of the alleged debt in any way as granted by Federal State and local law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may  concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX IL XXXX XXXX XX/XX/2017
Product: Mortgage

I make my payments early so imagine my suprise when I sign into my account and see that vanderbuilt says I still owe XX/XX/XXXX. I paid my XXXX payment in XX/XX/XXXX. Well now my XXXX payment I paid at the end of XXXX is being applied to XXXX and the XXXX payment is not credited anymore to this year and they're saying I still owe XXXX. I can't afford to make XXXX mortgage payments in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any p
urpose.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted disputes to XXXX on XX/XX/2023, I have provided all documentation to prove my claim, and it has not been fixed. XXXX is showing that I have open student loan debt totaling {$120000.00}, which is incorrect and I have been disputing this information multiple times. 

My current student loan balance is {$29000.00}, As part of President Joe Biden Student Loan Forgiveness Program, {$31.00}, XXXX under the one-time account adjustment. The remaining balance of all loans is {$29000.00}. I DO NOT HAVE ANY LOANS UNDER FEDERAL LOAN SERVICING, they are closed- paid in full/ and some are now being serviced by XXXX. Please update this information. 

Also, Many of these loans dates are well over 10 years being reported, the orginal dates are incorrect and keeps being duplicated and reported as duplicated balances. 

I am so tired of going over this time and time again. I send documentation over and over again this still has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Creditor tagged my consumer report as derogatory reporting discrepancies each time they update in which I am unable to get anyone on the phone to obtain supporting docs submitted by Sears referencing settlement of both accounts. Instead of removing the accounts upon receipt of lump sum payment they waited until a dispute came in the way both accounts were removed. They listed as charged off and still trying to collect more monies and damage my credit.

Citibank reports and update on XXXX reports several times within a month while Citibank and Sears report same account together as one on XXXX reports. I feel their practices is unfair. Citibank ( CBNA ) reports a remedy in comment section and tagging XXXX with Sears using the same address
Product: Credit card

On XX/XX/XXXX I reported fraud and opened a fraud investigation and asked for my Lowe's/Synchrony account to be closed. At that time they did not tell me another account would be opened automatically, nor did they advise that someone had impersonated me and had a card mailed to another state. 

As of today, my fraud claims on 3 different cards equate to approximately {$15000.00} due to the negligence of Lowe 's and Synchrony bank. Despite spending many hours on the phone over 7 phone calls, I have no confidence they are resolving the issue. 

On XXXX XXXX, XXXX I learned through my credit report there was another large balance. I opened another fraud claim and demanded the account be closed. They did not tell me that another card would AUTOMATICALLY be reiussed. Each time a fraud claim is opened it TAKES 60 DAYS to get any information about the investigation even if it is related to a claim already filed previously. They will not link the claims. 

On XXXX XXXX, XXXX I received a past due bill for a 3rd card. The thiefs are apparently going into the stores in another state and using my SS # to make purchases each time a new card is issued without my knowledge. I opened a THIRD FRAUD claim and was told it will be another 60 DAYS until any informatin can be shared about the investigation even though it's related to the first investigation open on XXXX XXXX. 

Each time I've called - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX the fraud department assures me my account is closed which is untrue. Each time I call I get conflicting information about the status of my claim and what they are doing to proceed. 

I am in month 5 of this nightmare and just closed the 4th card account opened " automatically '' without my knowledge after being told just yesterday my account is completely closed. 

In XXXX, I signed up with XXXX, XXXX and XXXX and froze my credit but SYNCHRONY BANK AND LOWE 'S continue this nightmare with their horrible practices, conflicting information and lack of communication. I've spent hours on the phone only to find out later nothing was handled.
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 users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

It's only coming to me now how I've been declined opportunities, and it's incredibly frustrating to realize that these inaccuracies have been hurting me all along. I never authorized these accounts, yet theyre sitting on my report and unfairly pulling my credit score down.