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

Date of XX/XX/2022, I received an alert from TransUnion app & XXXX XXXX app stating there has been a hard inquiry placed on my account. I quickly look into the account and notice this was an unauthorized inquiry. I was immediately suspicious and decided to contact the TransUnion Bureau immediately to resolve the issue. While I was on hold for TransUnion I decided to contact the fraud dept of the creditor reporting onto my credit file ( transunion only- no other bureaus received this inquiry ). The fraud dept of XXXX informed me there is no account open in my name or SS #. There was not even a application processed that day using any of my information. And it will be impossible to send a " letter of none records '' to the bureau reporting this matter if there is not account found ( per policy ). When spoke with TransUnion I was given a reference number to confirm the transaction that will take place ( removal of hard inquiry resulting in fraud ). The next day I called to check status, the representative did not have a clue what i was referencing to. The rep advised me to call the creditor instead even after being informed of my phone call previously. Today I am highly upset with what the bureau is exhibiting. The behavior of one of the reps was uncalled for she became very eager to disconnect the line after repeating her self constantly ( her dialogue was very heavy I could not understand her at all ). She disconnected. Consequently, I am writing a complaint and requesting a hard Inquiry be removed immediately as I have evidence this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX date open inaccuracy with all 3 credit bureaus {$1000.00} - original creditor XXXX XXXX I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Sources Recievable Management XX/XX/21 $ XXXX original creditor XXXX XXXX  I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

XXXX XXXX XXXX Collections closed due to inaccuracy but needs to be deleted. See attached credit bureau response after re-investigation. I have not supplied proof under the doctrine of estoppel in silence Engelhardt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alledged debt, nor therefore any such debt, in fact therefore exists. 

Credit bureaus are to report 100 % accurate information by law, the above companies were asked to investigate and provide proof of accuracy of these alleged accounts by item of signed contract, note, or instrument showing the accuracy of these accounts and they have failed to do so. These accounts are negatively affecting my credit profile and leaving me under distress.
Product: Vehicle loan or lease

US Bank has incorrectly calculated my excess mileage charge. I have written to them more then 6 times.
They have not fixed it.
They have damaged my credit score.     A full explanation is attached.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and to request the blocking and deletion of the following accounts from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts have been fraudulently opened or impacted as a result of the breach. 
The following accounts have been affected : Account Information : XXXX XXXXXXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1200.00} XXXX  XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX XXXXXXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX  Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$2200.00} XXXX XXXX XXXX Account number XXXX XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$0.00} XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$570.00} XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$650.00} XXXX XXXX XXXX Account number : XXXX, Date XXXX XXXX XX/XX/XXXX, Amount : {$500.00} XXXX XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$380.00} XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$340.00} Inquiry Information : XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX
Product: Checking or savings account

I received a phone call from a scammer saying my payment to the XXXX XXXX XXXX had been outed from my Chase bill pay to the wrong address and that i needed to go into chase bill pay and redo the payment in the XXXX bill pay option. I did this.. When I realized that something was wrong I went to bank and called they told me they could do nothing that I had submitted the payment. I talked to 3 different phone recorded calls and went to two branches of chase.. No one would reverse the payment. My phone call was immediately following the transaction and still reads pending but they would not reverse it.I was asked to contact XXXX the bill pay chase uses and they told me beings I did it on my chase bill pay I would have to talk to them. This scammer knew my numbers ...
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 an open end consumer credit plan as late for any purpose.

Repost
Product: Checking or savings account

In XX/XX/XXXX, I launched a checking account at Chase with a coupon that will reward {$500.00} if I have met the direct deposit requirements in the following months. After that, I have fullfilled the requirements by Chase, but I have never received the bonus until today, XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was using XXXX connection in year 2018, I wanted to switch connection so I started looking for options. I went to various shops- XXXX, XXXX etc. I liked the option that XXXX XXXX gave me and I took it. But during the process of checking offers, XXXX people took my application and didn't close it. I never got any sim or connection from them, also they didn't send any invoice to me. But after some time, I got a collection notice from XXXX XXXX for XXXX dollars. 

I thought it to be a scam so I ignored it, I called them once to dispute it, but it also didn't work. Now I had to pay XXXX dollar as settlement amount as it was showing on my credit report, which I was never worried about until now. Now even after making payment for something I never got, it will take 30 days to remove it from my report.
Product: Credit card

I made a car rental reservation with my Apple card, and when I tried to delay the pick up of the car, well before the scheduled time due to a delayed flight, in accordance with the instructions on the booking site, I was told that the car was no longer available and that my reservation was canceled. The booking company then refused to refund any of my 10-day reservation fees, even though the car provider had not been paid.

I disputed the charge with Apple and they sided with the booking site, citing the booking company 's policy of refusing refunds for any reason, even though the company was unable to provide me with ANY service at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX. XXXX, XXXX These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an conversation with someone whos a loan officer and I never once gave him permission to run my credit.he had it on file from previous encountered but I never once gave him permission this time to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting has left a fraudulent Hard Inquiry on my personal file from XXXX XXXX, that I did not authorize nor do I have any accounts or relationships with, I also contacted XXXX and they have incorrect info on me, neither is deleting and are not in full compliance with federal credit fair reporting compliance
Product: Student loan

Complaint XXXX was closed after they provided what appears to be an AI written script that didn't address a single XXXX of my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by XXXX because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with XXXX XXXX with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. XXXX was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called XXXX to provide the payoff amount and mailed a bank check that was cashed by XXXX on XX/XX/XXXX ( This included the last payment ). XXXX never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed. 
I started a dispute with both XXXX and reported it also to Experian but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.
Product: Debt collection

Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.
Product: Mortgage

I would like to place a complaint against SPS concerning my modification process, appeal, denial, practices, policies and procedures. For the last year in a half I have submitted XXXX modifications with SPS. Concerning some of the modifications, they have lost completely or miss placed paper work which have prolonged my modification and caused me undue burden stress and strain and resulted in me owing more on my mortgage and therefore getting further and further behind. I was instructed by sps not to make a payment until all the issues concerning my mortgage were resolved and that they would cease and desist all foreclosure activity during the modification process. SPS still continued with their foreclosure activity during my modification and request for information. I 've made several request to SPS for information concerning my mortgage, that have went unanswered and during these periods on two separate occasions, SPS has forwarded my mortgage file to an attorney to proceed with foreclosure. I filled a appeal of my denial for modification and sent in supporting evidence on why the values that they used were in correct when determining my homes value, i further explained that my home is and ADU XXXX affordable dwelling unit XXXX and it is governed by the counties rules and regulations listed in the deed. I have sent in QWR 's and have requested documents verbally which has been recorded and documented by SPS and myself specifically about my mortgage file, service file, and request for information. SPS has ignored nor answered many of the request that i have put forth. Some of the request if they were answered did answer the specific questions in the letter 's I sent. I have attached supporting documents that will provide a time line of what has happened.
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 are 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 repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected including the address : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with Experian, XXXX and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

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

I have XXXXent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting an account on my credit report that has already been removed by other credit reporting agencies, specifically XXXX, following dispute investigations. The account, XXXX XXXX, was determined to be inaccurate or unverifiable by the other bureaus and subsequently deleted. 

I disputed this account directly with TransUnion, providing supporting documentation and evidence that the account should not be included in my credit report. Despite my efforts, TransUnion has failed to take corrective action and continues to report this inaccurate information, which is negatively impacting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ACCT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Debt collection

After being ignored by XXXX XXXX XXXX XXXX about my bill being incorrect they very quickly gave my bill that I was still disputing to this company. I explained to them the situation, they offered no help or information on how to help get this bill taken care of. 
I was never seen at XXXX XXXX XXXX XXXX, this bill is false. I called XXXX and they agreed that it was incorrect and then stopped responding to me.
Product: Mortgage

Please refer to Consumer Financial Protection Bureau Case number : XXXX. 
Wells Fargo Home Mortgage is maintaining that we are one month behind in our mortgage payments. I have reviewed the final account statement from XXXX XXXX, Executive Resolution Specialist for Wells Fargo. My bank account payment records and my Wells Fargo online records both match the statement of account that she sent me. The only difference is all our payments are listed as " Unapplied Funds ''. Why is that? 

I 'm reattaching the statement from the bankruptcy court that I attached to the original complaint. It clearly states that the house was surrendered to my ex-wife through our divorce. It also clearly states that no money was held by the bankruptcy court from Wells Fargo. 

Also, XXXX XXXX did n't even address the fact that 2 payments were made in XXXX XXXX! 

Further, the court did not tell Wells Fargo to reverse that XXXX XXXX payment and then only partially apply it to the mortgage as stated by XXXX XXXX. 

This whole mess, which we have been trying to work out with Wells Fargo, has gone on for years now! It is nothing more than an accounting error on their part yet they refuse to fix it. At this point I am looking at it as outright fraud on their part! 

XXXX more points : 1 ) I have spoken with the VA and they tell me Wells Fargo has reported us as " On Time '' a couple months this year ( as well as several other times during the period they have been tell us we are behind ). 
2 ) Since XXXX XXXX we have made 48 complete payment when only 47 were due during that time period. 

Their argument that we are a month behind makes absolutely no sense! We are a month ahead and we want that 2nd payment made in XXXX XXXX back and have our account show that it is current!
Product: Credit reporting

I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me. I have been dealing with this issue for over a year now and I 'm at the point to where I need to hire an attorney to get this resolved if this dispute is n't settled this time. If that is the case I will be suing the credit reporting agency and the original credit grantor on file for each account in dispute.
Product: Debt collection

Dont know know who they are. Never had a debt with XXXX XXXX. Please verify where I signed and now they sold this account am reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.
Product: Payday loan

I was a victim of fraud due to information being received from a scammer utilizing XXXX. I have contacted ace cash express and have spoken to the correct company that has my loan. Unfortunately, I have attempted to gain contact to these individuals and filed a complaint with XXXX XXXX.