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

Absolute Resolutions reprinted my account as collections XX/XX/XXXX. They didnt even send me a notice stating I owed money to them. I only found out my reviewing my credit reports. I called and they transferred me to a debt attorney to make payment. I paid the balance in full with the debt attorney. I can provide all records of this along with letter showing account satisfied/paid in full from the attorney. The letter was sent to Absolute Resolutions showing payment in full and to remove my account on credit reports. They refused to do this so I disputed it with the credit bureaus. The credit bureaus researched and proofed I did pay full balance and updated account to reflect. Everything was good. Until Absolute Resolutions reported yesterday, XX/XX/XXXX to all the credit bureaus that I still owed the full amount and that my account was in collections. I called them today and they denied doing and stated there was nothing they can do about it. Im in the middle of purchasing a house and this is really causing problems that they reported it after everything was cleared and paid for. They are falsely reporting a balance that I dont owe.
Product: Checking or savings account

There were a few international charges that were flagged by my bank. I immediately called and had the card shut down and a new card was issued. I was told I was not responsible and the money was put back into the account. Several days later the charges reappeared. When I called the bank I was then told that I was given mis information by the analyst. Charges are still occurring days after the card was shut down. Now there telling me that I have to file an investigation when this card was allegedly shut down and the charges were removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T is reporting to credit bureaus a mortgage with a balance of {$240000.00} and monthly payment of {$2500.00} that is not a mortgage obligation of mine. XXXX  XXXX XXXX  BB & T branch employee referred me on XX/XX/XXXX to the BB & T Mortgage Division. On XX/XX/XXXX the Mortgage Division referred me to the Fraud Department online support at XXXX  and I emailed the online support. On XX/XX/XXXX online support replied with direction to visit the local branch for assistance. On XX/XX/XXXX I visited the branch and was told by the branch rep that he would attempt to resolve the issue. After repeated attempts to subsequently reach the branch rep he contacted me on XX/XX/XXXX and verbally acknowledged the mortgage is not mine but directed me to the Mortgage Division. The Mortgage Division on XX/XX/XXXX informed me they can not confirm in writing because her division is working from home. She recommended I complete a BB & T mortgage release research form for the mortgage that is fraudulently reported in my name. I can not complete the form because the loan is not mine.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a National data breach. After reviewing my credit report I noticed some accounts I am not familiar with. I have asked the CRA 'S for validation of debt however the information has not been provided. Due to my information being exposed I have submitting a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, FTC report along with verification my information was exposed in a national data breach.
Product: Checking or savings account

On XX/XX/2020 i filed a claim with wells fargo because i was a victim of fraud, I put some money aside for gold and cryptocurrency purchases but the broker turned out to be fraudulent and i never received received any of the investments i purchased. 

Wells fargo handled the matter and stated that they will conduct an investigation. They provided me with two provisional credits in my account of XXXX and XXXX until they are done investigating.I cooperate with them and provided them with the evidence and communications between me and the merchant. 

Sometime in early XXXX they sent me a letter stating that they are still investigating and that they will take back a portion of the provisional credit. Later that month ( XX/XX/2020 ) They took the remaining of the provisional credit, accusing me of fraud and draining my bank account of any funds and leaving it in a negative balance of XXXX USD. They never provided any evidence of their " findings '' and refused to further speak to me regarding this matter. Claims department stated that this case was escalated to another department.
Product: Debt collection

I have been denied for a apartment, car due to a bad credit score because I recently pulled my credit report and there are items on my report that arent tied to my name at all, also things I never authorized such as a XXXX XXXX XXXX for {$1500.00} thats not right thats fraud. As well as XXXX. XXXX, XXXX for {$820.00} thats inaccurate and very much so identity theft. Ive never lived at XXXX XXXX XXXX, XXXX XXXX XXXX that address doesnt belong to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency us unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was included in my Chapter XXXX Bankruptcy that was discharged. I gave the accurate information to the company, XXXX XXXX I, XXXX, called them and told them, called and sent the information to Experian, and the account still is on my account as a " Collection Account. '' The debt buyer is claiming an OPEN BALANCE of {$5000.00} from the original debt they bought. However, the balance was DISCHARGED in my Chapter XXXX Bankruptcy and I DO NOT OWE that debt. XXXX XXXX I, XXXX is reporting the balance as an open Collection Account that I owe to them in the amount of {$5000.00} from the original debt that was discharged. I told them this and to verify it has been discharged and sent them proof and they still report it. 

The XXXX cards and accounts I had have ALL been discharged through my Bankruptcy, and as a result should NOT be showing as a collection account. 

A debt buyer bought a XXXX account that was discharged in XXXX, but they are claiming the account as unpaid and open as a Collection Account AFTER my XXXX discharge. This is incorrect and needs to be REMOVED. 

ALL of my debt was DISCHARGED in the XXXX, including this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email that my score dropped. I looked and saw some new inquires. I also noticed some older ones that I don't recognize. I've been struggling with identity theft since I was 17. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX These are the unrecognized ones. 

I also noticed that when I applied for my car, they ran it 8 times. Is the dealership allowed to do that?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXnquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/2018 XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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- ( ipromptly 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit on XXXX XXXX I have come to a conclusion that my identity was tempered with for I am not familiar with previously reported errors on my credit profile. I have reached out to XXXX, TransUnion and XXXX. XXXX acted accordingly by deleting everything off my credit report including inquiries except that they are not reporting my score on my credit profile. TransUnion did get rid of some but left XXXX, XXXX and Inquiries. XXXX deleted all inquiries but left a XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. However, my biggest problem is with XXXX  and TransUnion who continue to ignore my request to delete Erroneous items that I am attaching on here for you to review and investigate further. I have filed a complaint with the FEDERAL TRADE COMMISSION and sent it to all three credit bureaus and attached it to this complaint as well. I am demanding that XXXX TRANSUNION, AND XXXX  remove all INQUIRIES, and listed attached so called collections and derogatory accounts off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) - and the credit bureaus are reporting SEVERAL inaccurate ACCOUNTS as well as they are in violation of the Bankruptcy courts - the XXXX XXXX! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Product: Credit card or prepaid card

On XX/XX/2015 it was reported that someone opened up an XXXX/XXXX XXXX  Account and charged up to {$3300.00} under my name without my knowledge. Because of this my credit score continues to fall. The company has sent me various letters claiming that they ought to be paid for the balance.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Money transfer, virtual currency, or money service

Sent money through Western Union app. Amount is {$270.00}. Sent on XX/XX/XXXX and supposed to received few hours after I sent but was put on hold and no information received from them. Talked to customer service and they keep me on hold for nearly an hour and it happened twice. Finally got the money 5 days after the sent date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to Experian and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
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 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXXt Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction. 

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 accordance with the Fair Credit Reporting act .... 

XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. Thanks. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The calls before XXXX XXXX started last Wednesday on XX/XX/2021. I returned call and told the representative they are calling me before XXXX and she told me it was a automatic dailer I told her its there responsibility to make sure it is calling me after XXXX my time. I then ask for a supervisor and would not transfer the call. I got a call again today XX/XX/2021 before XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!
Product: Mortgage

Wells Fargo wrote to me asking for proof of insurance coverage. I uploaded this information to their website : [ 1 ] XXXX website confirmation dated XXXX [ 2 ] XXXX XXXX XXXX XXXX XXXX with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo asking for proof of coverage between XXXX and XXXX. I uploaded this information to their website : [ 3 ] XXXX website confirmation dated XXXX [ 4 ] XXXX  dec page pdf, with a policy period of XXXX to XXXX shown on page XXXX. 

I received another communication from Wells Fargo, again asking for proof of coverage between XXXX and XXXX. This time, I called the number on the letter [ 5 ] XXXX phone call log from XXXX, where I called Wells Fargos Hazard Insurance Processing Center. I pointed the representative to the documentation that I had already uploaded that satisfied the requests. The representative agreed with me, said that they would update their system, and told me that no further action was required on my part & that I would not be charged. 

However, I received another letter from Wells Fargo saying that I was charged {$100.00}. 
[ 6 ] XXXX  letter from Wells Fargo indicating a {$100.00} charge for a lapse in coverage between XXXX and XXXX. 

I replied to all communications in a timely manner and provided satisfactory documentation, even getting confirmation from the Wells Fargo representative. I believe that this charge is unjustified, and should be refunded in full.
Product: Debt collection

Upon thorough examination of my recent credit report, I found several accounts that seem to be incorrectly included and were added without my awareness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Product: Debt collection

JPMCB INC After reviewing my credit report i have noted some discrepancy onvalidation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was recently able to sign in to view my credit report since I been incarcerated for three years XXXX to XXXX I have all the proof of incarceration I can include it when you you contact me about this matter. So basically some has my info and is doin fraud with my account so basically anything between XXXX - XXXX of XX/XX/XXXX was when I was released from prison and I been tryna build my cridit to be able to get a car and I come to find out this can you plz help me resolve this matter thank you my # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX 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
Product: Checking or savings account

I opened a Citibank credit card with my husband ( XXXX XXXX ) on XXXX. 
I was then offered a bonus of {$450.00} for depositing {$50000.00} in a Citibank Savings account ( and maintaining that minimum balance for 60 days ). 
I opened a savings account to take advantage of that offer. 
An email from Citibank confirmed that the account was opened on XXXX. This was an individual account in my Name ( XXXX XXXX ) as Citibank did not offer the option to open a joint account. 
I proceeded to link the Citibank savings account with my XXXX account ( which is joint with my husband, XXXX XXXX ). 
Micro deposits between the two accounts were successfully made by XXXX. 
On XXXX I transferred {$50000.00} from my joint XXXX account to my individual Citibank savings account. 
I logged into the Citibank account at least twice to confirm my transfer went through. 
On XXXX I was not able to log into the savings account. 
After many conversations with several Citibank representatives, I was told by XXXX that my account had been " marked for closure '' by Citibank 's fraud department. 
I was told that I would receive a letter explaining what happened in the next couple of weeks. 
XXXX confirmed that the only activities on the account were the microdeposits and the {$50000.00} deposit from XXXX. 

The letter ( dated XXXX ) stated that Citibank was terminating our banking relationship, yet did not state when my {$50000.00} would be returned. 
I called Citibank on XXXX and spoke with XXXX who again confirmed that my account held {$50000.00}. He stated that the problem was that the deposit was made using a " third party check ''. XXXX told me that my funds would be returned either to me or to the originating financial institution ( XXXX ) within 30-60 days. 
I waited well beyond that 60 day window but the funds were never returned. 
On XXXX I called Citibank and spoke with XXXX who told me that XXXX would need to file a claim with Citibank. 
Citibank also confirmed that they still had the {$50000.00} in a later phone call with XXXX. 

I then spoke to XXXX at XXXX ( XXXX ) who said that XXXX would recall the EFT and gave me a dedicated associate to handle the matter. 
XXXX also informed me that the EFT from XXXX to Citibank was actually not done in my name ( XXXX XXXX ), but instead done in my husband 's name, XXXX XXXX ( who was joint on the XXXX account ). 
On XXXX ( 30 days after the EFT recall ), XXXX from XXXX informed me that Citibank failed to respond and also failed to return the funds. 
At this point, my Citibank is still in possession of my {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan on XX/XX/2020 with netcredit. The advertisement online states that all credit types are accepted for quick and easy loans. I put in an application and was denied because of factors that made my credit score lower. So the overall reason for denial was my score itself. I feel stressed out enormously over an advertisement that stated quick and easy but has not been quick or easy and falsely advertised.
Product: Credit card

Accounts open under my name are fraudulent and i hano knowledge of any accounts with company. However when i do apply for card i am being denied and treated unfairly as my credit is fair and meets approval requirements.