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

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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.

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

On XX/XX/XXXX, I submitted a written dispute letter to Transunion to dispute items on my credit report. I have not received a response and they have NOT provided me with a copy of ANY original documentation after several attempts.
Product: Checking or savings account

My car was broken into and my devices were stolen with all my info in them and 36 transactions of over {$150.00} each were made totaling {$10000.00} and Wells Fargo didnt even send me a single security or confirm purchase notification, reached out to the claims team with hope that theyd do right by me being a long time customer, but no they closed and denied my claim after all the info I had given them that made it clear someone else was using my information. After they denied it, a quick XXXX search showed they had tons of other customers they had done XXXX as well and that they are by far the worst bank to do business with. I had another bank that was hit at the same time and they gave me a credit while I waited for results and then came to a decision that the funds were to be reversed in half the time as Wells Fargo, to anybody reading this, stay away from that bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account in XXXX and when I received my most recent reports, they are now reporting me late in XXXX on a closed account! 

I have repeatedly asked them in writing to report accurately or remove the accounts but they just seem to ignore me and their responses on the credit report say " they verified that the account belongs to me & reported me 90 days late 3 months in XXXX ''. I never asked them to verify if it was my account, I asked them to remove the late payments in XXXX on an account that was PAID & CLOSED in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account
Product: Money transfer, virtual currency, or money service

I was attempting to access my employer XXXX account and saw I also have an account from XXXX though chase denied me any information
Product: Credit reporting or other personal consumer reports

On XXXX  I received a hard inquiry from XXXX XXXX XXXX XXXX XXXX I was notified by XXXX XXXX that an inquiry was made. I called XXXX immediately to inform the bank that this is fraudulent and the attempt was fraudulent. The representative stated that I needed to submit a letter and send it to XXXX and that they would ensure it was removed. I sent the letter with tracking to XXXX XXXX XXXX and it was received. 

I received a letter from XXXX XXXX XXXX XXXX XXXX. The letter specifically states we have submitted a request to the credit bureau to remove the hard inquiry from your credit profile due to a fraudulent application. 

Today is XX/XX/XXXX and the inquiry is still appearing on my Transunion and XXXX Credit bureaus. Thank you for assisting me in this matter. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

Good morning, I received a credit card from US bank that I never applied for, I worried about somebody have access to name, account number, address, Social Security number. 

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

Sent via mail onXX/XX/XXXXa letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( XXXX, XXXX, Experian ) immediately. My check was cashed on XX/XX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never updates my credit reports to reflect proper information. They also have refused to lower my extremely high interest rate and don't base my credit line on proper info like my salary which is well into the XXXX figures or XXXX XXXX. My score is XXXX and yet I have an interest rate based on high risk. I'm not. I've never missed a payment in years.
Product: Checking or savings account

I am attempting to complete a rollover distribution from my Wells Fargo 401 ( k ) account. I contacted Wells Fargo Retirement Services on XX/XX/2018 and was told that I needed 10 pages of notarized paperwork with a copy of my identification in order to do so. I spoke at that time to " XXXX '' in Distribution Services, who was to email paperwork but never did. On XX/XX/XXXX, I spoke to XXXX with the same result. On XX/XX/XXXX, I spoke to XXXX and finally received the paperwork. I completed it, had it notarized and mailed it back as instructed ( there is no email option ) on XX/XX/XXXX. On XX/XX/XXXX, having received nothing, I contacted the company again and was told by XXXX that the paperwork was never received and I would have to redo it. I have not encountered this level of bureaucracy and inefficiency with any other plan manager. In fact, I have done all other rollovers completely via telephone. I refuse to continue to pay for notary services and to make matters worse there is an after tax amount being held hostage by this company as well. I have been laid off and could definitely use those funds. I will not comply with an egregious request for something completely unnecessary and simply want the funds mailed to me for rollover. 

XXXX XXXX
Product: Debt collection

I received a call from my present landlord telling me this company send her a notice saying I owe them and asking her for information about me .Yes I did lived on XXXXXXXX XXXX XXXX  years ago and was at the time and still is receiving public assistant my rent was paid in full without any responsibility to pay rent from me So I can't understand why would this company be saying I owe anything that I am not aware of I received a letter from them today telling me there are going to take my taxes weather or not I file a tax refund at this point I am just stress by the treats and them telling lies to myself and other people about me I don't know where this is coming from But I am being bully into paying something I am not aware of I was never in court with them nor was I served to do so I went to court while I was living on XXXX XXXX but the case was thrown out because no one from XXXX XXXX never show up to court so I'm just confused to what all of this is about
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EQUIFAXXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Experian for the following unauthorized Addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Address : XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person XXXX Therefore reporting these accounts as a tradeline is a violation of XXXX XXXX XXXX the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the XXXX, Experian, XXXX is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment
Product: Credit reporting or other personal consumer reports

As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. These inquiries are not a result of any actions or credit applications initiated by me, and I believe they were added to my report in error or without my consent. 

I have already contacted the credit reporting agencies and the companies responsible for these inquiries but have not received satisfactory responses or resolution. As a result, I am seeking your assistance in investigating this matter further and removing the unauthorized inquiries from my credit report. 

XXXX XXXX THD/CBNA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWayfair XXXX XXXX XXXX there is a total of 11 inquires
Product: Checking or savings account

On XX/XX/XXXX I contacted the chase customer claims department to report or request a dispute be filed for several transactions. Two of the transactions were from XXXX and I was having an issue resolving it directly with them. I wanted to file a dispute due to services, not rendered, apart from that there were also other charges where, although they were not authorized by me the actual company/merchant confirmed a refund would be processed. ( I believe this is due to a police report being filed. ) I did receive a partial refund from one of these charges. 

The problem occurred on the call on XX/XX/XXXX instead of reporting it as a dispute with all the details that I provided over the course of a call that was more than an hour long- the agent reported all of these transactions, as if I was reporting them as fraud. They opened a fraud claim, and within a day sent me a secure message advising me that it was denied or declined, due to the fact that it was not Fraud. 

I contacted them back the following day on the XXXX when I saw the secure message, after on hold for quite some time the agent advised me that there is not a way to reopen any claim, or re-file a claim the way it should have been originally filed as a dispute and not a fraud claim. 

She then requested that I fax all evidence I was requesting be reviewed and that it would be reviewed by the back office. 

I faxed over all information and called back on the XXXX. I spoke to someone called XXXX who kept insisting that at this point, I needed to resolve with the merchant. I asked her several times if basically, the issue was not going to get resolved or further investigated due to their/her coworker filing my dispute, and properly as a fraud claim. She refused to answer that and kept directing me to contact the merchant. 

I am having all sorts of problems with the merchant. Im not sure if theyre even a legitimate merchant as they have used a different names to charge the same account. With XXXX -It appears that they have my issue down as two different ticket numbers and its causing a confusion. 

Unfortunately, I have not been able to resolve anything and Im still going back-and-forth with both XXXX and a company called XXXX.
Product: Credit reporting

Invalid notation of a XXXX account alleged debt on my Experian Credit Report. I have no accounts with XXXX XXXX XXXX now and did not in XXXX. 
The report notes a credit line. I never had a credit line with XXXX XXXX XXXX. The credit report notes that the delinquency was first reported in XXXX. All of the information contained in the credit report is FALSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/22 When I checked my credit report there was an Experian alert that said my card was over the limit. I called my bank and they said it hasn't been over the limit and is not now over the limit. 
I tried calling Experian but it's impossible to talk to a person, I only was able to listen to options that didn't apply to my situation. The recording said I had to use their website. 

To use their website they require that I establish an account and become a member. I have no intention of becoming a member and giving them my contact information because I don't trust them. They've already made one mistake that has affected my credit.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER XXXX5USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES THAT CONSUMER REPORT AGIENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. I was never late on this account. 
XXXX  XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

2. I was never late on this account. 
XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


3. Please remove this inaccurate information from my credit report XXXX XXXX XXXX Account Number XXXX* 4. Please remove this inaccurate information from my credit report XXXX XXXX XXXX Account Number XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Prepaid card

I got a {$2000.00} American Express Gift Card from work as a bonus. I tried to use it at numerous places but it keeps getting denied. I tried numerous times on XXXX ( from XXXX XXXX {$70.00} orders ) and some went through and half denied. That was about XX/XX/XXXX and XX/XX/XXXX. I also tried at a online website named XXXX XXXX, I don't have proof of that decline but I ended up using my own Mastercard to complete that order. It was for {$120.00}. They had a half off sale for just a few days and wanted to take advantage of that. I also saw on reddit you could do a {$9.00} to reload your XXXX card. I did a few times, and then it started to get declined. I tried a {$500.00} XXXX gift card and it was denied. I also tried using it in person at XXXX on I think XX/XX/XXXX and the card was declined. That was for about {$64.00} or so. I tried to use at XXXX XXXX XXXX and got declined. I tried using one other place but can't remember where but it was declined. I have tried a few places online and in person and it keeps getting declined. It is a hassle and the roll of the dice if the card will work. I still have {$760.00} on my card.
Product: Credit card

On XX/XX/XXXX, I submitted a single payment of {$2000.00} to my Comenity NFL credit card from a bank account earmarked for this card carrying only a balance required to pay this card. Approximately a week after submitting this single payment, I logged into my account and saw that a duplicate payment was submitted on this card despite only submitting a single payment. I received only a single confirmation payment email, however, my payment was processed twice. Due to this duplicate payment from the system error, I was assessed a fee of {$30.00} for a returned check card and {$2.00} of interest. I have attempted to contact Comenity to resolve this issue however I have not been able to resolve this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/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 XXXXXXXX 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: Debt collection

I have no agreement with XXXX XXXX XXXX. I have requested several times that this information be removed from my Credit Report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX mo XX/XX/year> Subject : Complaint Regarding Inaccuracies on My Credit Report Dear CFPB, I am filing this complaint regarding inaccuracies on my credit report and the failure of both the creditor, Capital One, and the credit reporting agencies to resolve these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

The disputed entry pertains to an account with Capital One, which is being reported as [ written off, charged off, etc. ] on my credit report. This information is inaccurate, misleading, and unverifiable for the following reasons : No Authorization to Report Information : I did not give Capital One permissible purpose to report the information in the manner it appears on my credit report.

Refusal to Provide Verification : I contacted Capital One directly and requested a Form 1099-C for clarification of the alleged write-off, as my credit report states the account was written off. They refused
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion student loans are still reporting negatively on my credit report. These student loans were opened in XXXX, and still affecting my credit score. I work for law enforcement, credit is important in my line of work. I have previously disputed these student loan accounts before, i'm currently dealing with the same issues again. These student loan accounts need to be deleted to prevent future complaint regarding the same issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are reporting XXXX days late. Please help me in resolving this matter. Thank you.
Product: Debt collection

Since XX/XX/2022, I have paid my car loan bi-weekly to ensure the full monthly payment of XXXX is paid every month. However, since XX/XX/2022 - present, they keep reporting my accout as past due to all credit bureaus. Also, it shows the remaining balance is {$31.00}, XXXX but the loan was financed at {$32.00}, XXXX in XX/XX/2022?? This has severely DAMAGED my credit and the XXXX XXXX value of this vehicle is only worth {$14000.00}!