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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry  XXXX XXXX XXXX XXXXDate of inquiry  XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX-Date of inquiry XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XXXX XXXXDate of inquiry XXXX XXXX XXXXDate of inquiry XXXX XXXX-Date of inquiry XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received an e-mail from XXXX, the servicer, on XXXX/XXXX/XXXX. I logged into my account to read the message and observed that the site listed my current payment as past due. I contacted XXXX chat support the same day and inquired as to why my payment did not post on time. I explained that I have been subscribed for automatic debits for well over a year and I have not made any changes to my accounts. 

The representative, XXXX, explained that it was not my fault or their fault. He explained that " Your due date was on the weekend, and payments are only process on business days ( Monday-Friday ). It takes 2-3 full business days to process auto debit payments. Your payment will be effective on XXXX/XXXX/XXXX, and should be visible on your account by XXXX/XXXX/XXXX. No late fees, or negative credit reporting will occur because of this issue. '' I inquired as to whether the company would continue to list this as a past due payment on my account. The representative said " Your payment will appear to be 3 days late, but that will not be reported to your credit, and is a non-issue once the payment is processed. '' Unfortunately, the claim that this is a non-issue is false. Records of my payment history can be required for future financial applications. Potential loan refinance offers may be contingent on perfect on-time payment history. There are other circumstances where it is plausible that this " late payment '' can cause me harm. Yet, the company claims there is no mechanism to reverse the status on my account to reflect their responsibility for this situation. The representative explained that, if I wish to prevent this in the future, I need to end my auto debit plan and make manual payments. 

I contend that, if this company offers an auto debit service through their site, they have a legal responsibility to conduct their debits in a way that does not occasionally but permanently tarnish my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending Equifaxs response to my recent complaint. I submitted a police report along with a identity affidavit for fraudulent inquiries that were not removed from an identity theft case I submitted back in XXXX. The CFPB is supposed to be advocating on my behalf but is allowing Equifax to break the law By the FCRA law, when identity theft is reported the credit bureau is either supposed to suppress the information or delete it. It is not on the victim to report it to every creditor. The credit bureau is supposed to work for the consumer, not the creditor, I provided the information & reported it to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out transunion, experian, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a loan.
Product: Credit reporting or other personal consumer reports

The hard Inquiries on my XXXX Equifax and XXXX account are errors, and all need to be removed immediately.
Product: Checking or savings account

Transfers being canceled or withhold, not able to detect scamming until after payments are being sent out and not being able to be refunded and no longer being able to have access to send or receive funds
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, AMERICAN EXPRESS add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 



Failure to comply shall lead to complaints being filed with XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA )
Product: Mortgage

We have just completed our 4TH attempt at a loan modification. The first 2 times we filled out this paperwork through OCWEN and we were told that unless one of us dies or we completely lose our jobs that we would never qualify for a modification. The 3rd time we did this, we were successful due to hiring a 3rd party agency ( Paying them {$2800.00} ) ; only to be ultimately denied because of a document delivered to us ( on or about XXXX XXXX ) by OCWEN dated XXXX XXXX, 2016 ( see attachments dated XXXX, XXXX and XXXX ) asking for a payment due on XXXX XXXX, 2016 in the amount of XXXX ( which they received but then returned to me ). 

After being so completely distraught and speaking with Ocwen Agent # XXXX I have been told that my circumstances are unfortunate but I needed to go through the process all over again. See the contract I signed stated that my first payment was due XXXX XXXX, 2016. This contract was dated XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a statement ( payment coupon ) from OCWEN requesting the payment of XXXX be paid on XXXX XXXX ; this is the amount of XXXX and XXXX trial modification payments combined. I TRUSTED that the documentation I received from OCWEN was truthful - however, I have since learned that it was a LIE and a TRAP to cause us to fail! Ocwen ( Agent # XXXX ) stated that since I had been approved for the modification before that I would ( MOST LIKELY ) be approved once again, this time with a lower payment as well. Why did Ocwen continue to send statements with a FALSE due date? It seems VERY apparent that they were TRYING to make us fail by sending contradicting information 3 MONTHS STRAIGHT! 
We were so excited to think that we would be moving forward with the opportunity to have our payment lowered appropriately. 
We have begged for OCWEN to PLEASE SEE WHERE THIS IS A MISUNDERSTANDING and ALLOW US TO KEEP OUR HOME! We can fulfill our obligations based on the modification that they have chosen to reject ... .Ocwen seemingly would prefer that our home be left empty No one wants it ... BUT US! WE WANT OUR HOME! We had it listed with an agent until we found out through working with a 3rd party in XXXX that we were going to be approved for the loan modification. In 90 days we showed the house 6 times and each time we were told it was n't worth asking price ( {$260000.00} ), but more like {$190000.00}. 
Furthermore, the dates on Ocwen 's Modification Appeal Review Completed documents do NOT match up with the dates on my signed contract for the loan modification ... .once again ; OCWEN is at fault for this incorrect information. OCWEN needs to realize this is a communication error on their part! ... .Agent # XXXX even stated that this was clearly a misleading - sending a statement requesting an amount of money on a particular date and then refusing the funds based on a DIFFERENT piece of correspondence that was also sent out by OCWEN .
Product: Mortgage

To whom it may concern, Keybank consistently miss-applied my payments during 2021 resulting in negative credit reporting. The company does not allow automatic payments. Monthly payments were approximately {$270.00}. In lieu of automatic payments I paid Keybank {$2000.00} in XXXX to cover payments through XXXX, and another {$1000.00} in XXXX to cover payments through XXXX. Unfortunately, Keybank mis-applied the payments, then reported a 30-day late in XXXX and a 60-day late in XXXX. This is resulting in negative credit for me and an inability to refinance my mortgage. 

Will you please help me however possible? The goal is to remove the 60-day late. 

Thank you! 
XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed inquiries on my credit report that I did not authorize nor have any knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed, by an individual, who also scammed, many more people! The Dept of Defense, Attorney General 's office, is investigating! 
Discover Card and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX without, my name on a signature card! XXXX XXXXXXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by Discover Card! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XXXX on my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.
Product: Credit card

My lowes card got locked and online it told me to call in back in XXXX They want me to upload a video of myself confirming my identity I said XXXXXXXX XXXX 

They said they would mail paperwork but never did I have usps informed delivery so I can confirm they never sent me anything In the world of deep fakes and data breaches I do not consent to a private company storing a video of me looki g around and confirming my identity on thier private servers! 

I have fraud alerts on my credit reports at time of opening all 4 synchrony bank accounts and they never once asked for this to verify my identity back then. 

They refuse to talk to me. 

I mailed payments on the XXXX and they received all but the 1 for my lowes card I want a reply and help from corporate officer, I didn't not need to do this for any single company, not even for them when I opened my accounts even though I have identity theft alerts but 3 years later they now want a video of me??? 

I smell data breach and fraud with this " bank '' and I use that term very loosely. 

My card got mailed to me, has been used 1 time in store and had always been locked in a safe in a house with cameras and a full alarm system. 


Who lost my info if I didn't and they are the only other ones that have it???
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are reporting incorrect information on the account listed as XXXX XXXX XXXX XXXX it has several inconsistencies which means the account has not been properly validated because it can not report 2 different ways. 

The account information that should be investigated is : High Balance : {$0.00} -- Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal Credit Unions Payment Status : Payment after charge o! / collection Paid, was a charge-o! 
Creditor Remarks : Account previously in -- dispute? now resolved? reported by subscriberm Payment Amount : {$0.00} Term Length : - - 1 Month ( s ) Account Type : Open account Deposit Credit Limit : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for a XXXX student loan. I did not receive any statements ( online or via mail ) starting after XX/XX/XXXX for my account. Every time I logged in to my account online, it said {$0.00} was due and that no interest was accruing. I thought that this was because of the federal student loan pause. In the middle of the month in XX/XX/XXXX, my account all of a sudden showed past due and interest had accrued ( my balance went up due to interest and late fees ). I did not receive a statement for this. I called the company in XXXX to ask what happened that they told me it was an internal error that erroneously marked my account as matured, and therefore it stopped sending me statements since XX/XX/XXXX. It was flagged in XX/XX/XXXX and then the account payments resumed, without them notifying me. I had just happened to log in to my online account for a second time that month to find out about the balance going up and past due payments. When I called the company in XX/XX/XXXX, they assured me this would not be reported to the credit bureaus and that I would need to file a forbearance form. I told them I didnt want future forbearance, but to have the past due amount and related interest removed from my account. I filled out the form anyway stating all of this info, and the they changed my account information online to show I was current and had late fees removed ( but interest from this time period was never removed ). In XXXX, I received notice from my credit monitoring service that my credit scores from all three credit bureaus had gone down by an average of XXXX points due to a missed payment on this student loan account that had been reported. I called the loan servicer to ask for this to be removed since it wasnt my fault, and they said it would be removed at the end of the month ( XXXX ) since the account now says current. I also filed a dispute with all 3 credit bureaus stating what happened. The dispute did not change the past due payment listed on the account. As of today ( XX/XX/XXXX ), my credit reports all still reflect the erroneously reported past due payment. I called the loan servicer today and they showed on their end they had reported to the credit bureaus that there are no past due payments and there was nothing else they could do. I asked them for a formal letter stating all of the above information in case I need it as an explanation for the negative mark on my credit report. They said they can send an email to me and request a formal letter, but it is not guaranteed.
Product: Prepaid card

My payout from the Equifax settlement is {$37.00}. I was given this amount on a virtual pre-paid card that does not work. Any attempts to use it informs me it is past its {$10000.00} daily limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX TransUnion and XXXX XXXX XXXX has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit report that in error. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a U.S Bankruptcy Court that is reporting on my credit report. I have reached out to all 3 Credit Bureaus on XX/XX/18, XX/XX/18 and XX/XX/2018. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX has yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. Also when asking how they are getting the information. I receive a response that they are getting the information from XXXX XXXX. When I contacted XXXX XXXX they stated that they got the information from XXXX. I am getting furious with going back and forth between XXXX and XXXX XXXX. This inaccurate information is hindering me from getting a home loan. 

Under the FCRA, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and or judgement all accounts ad public records hat you post o anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.