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

Please notify all Bureaus such as XXXX, Experian, and XXXX to remove this account from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.
Product: Bank account or service

Approximately XXXX XXXX, I went into Bank of America, XXXX and XXXX branch to cash a paycheck, drawn on their account. Despite having a business account with them, they claimed I had to have a personal account or they would have to charge me a 'non customer fee ' of XXXX dollars. Again, this check was drawn on their account! Essentially, they have my money in their vault and refuse to give it to them without their " taste ''. Extortion. In California, there is a law that a paycheck must be able to be cashed without a fee. Please look into this and help to rectify this money grab. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX US DEPT ED XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX XXXX submitted an unauthorized payment of {$58.00} that was deducted from my credit union account and created an overdraft and overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

There loans inquires credit card inquires that should not be on report or had access on my credit report and other social security numbers address that not associated with me and emails and full name and last names should be associated with my credit report and inquires for pay day loans credit cards car loan house loans that should not be with my credit or have any hard inquires I have not ran any hard inquires in 8 months of credit history only one time I allowed my credit to do one inquiry which was utility bill of gas bill and XXXX  cellular services that was the only 2 credit applications I need to have all hard and soft inquires removed off all 3 credit bureaus my credit history
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. 
For following accounts XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a XXXX XXXX XXXX XXXX and XXXX Accounts. My last transaction that went through is on XX/XX/XXXX. Ever since then, even though I have over {$190.00} in my Spend account and {$10000.00} in my save account, my debit card is declined and when I try to transfer my money out of the accounts it says my account is frozen. I also get an error, if I try to close my accounts. 

I have emailed and phoned the customer service over and over - and they just say they will forward to a specialized team. I never hear back from any of them. I don't even know why they froze my account. 

I have bills to pay - I need my money back. Please help me get them to unfreeze my account ASAP
Product: Credit card or prepaid card

The account was opened fraudulent. Only reason I had knowledge of it is because it started reporting to my credit reports at the time of me trying to buy a house. I was getting denied because there were high limit credit cards opened in my name but not authorized by me! Fast forwardpaid the account of request it be closed due to fraud and the account was never closed at my request. Fees started to incur and the account was allowed to be negative for 3 months after my request. Incurring 3 months of late fees and bad credit reporting
Product: Credit card

FNBO refuses to accept a dispute by claiming that they can't verify my identity. It didn't prevent them opening a credit card for me with the {$20000.00} credit limit, and make charges approaching this amount. But for a dispute of the {$69.00} bogus membership fee, that can't establish that I am who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, ny Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : Midland credit managem Account Number:XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries was not done by me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA ( ON THE REPORT XXXX TIMES ) XXXXXXXX XXXX XXXX ( ON THE REPORT XXXX ) FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( ON THE REPORT XXXX  TIMES ) XXXX XXXX XXXX ( ON THE REPORT XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. You guys reporting an account that's was sold to other company it is against the law. XXXX XXXX account # XXXX and was sold to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a home equity loan with XXXX and they denied me based on excessive debt post funding which is absolutely wrong I only have a mortgage and my student loans my credit score is XXXX I make over XXXX a year and I'm not behind on any payments in fact I have disposable income over XXXX to {$7000.00} per month so it makes no sense as to why they would deny me. They tell me it's something on the XXXX credit report and XXXX says there's nothing on there so it's very frustrating because I keep getting denied by different companies and there is no reason why I should not be able to get a feel like this is discrimination and it's unfair. I need this loan so I can move forward with my home renovation projects. I've been stalled now for over XXXX  years.
Product: Debt collection

Back in XX/XX/2020 saw XXXX XXXX account reported which is not my account now there is two accounts both charged off and effecting my credit that i have no knowledge of opening or owning
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX  XXXX Balance : {$890.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$580.00} XXXX  XXXX Balance : {$550.00} XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I had phone service with google using their XXXX XXXX. When the new XXXX XXXX came out they offered a trade in program where they offered up to {$400.00} for the trade in if i bought the new phone. I agreed to this and got {$400.00} for my phone and purchased the new XXXX XXXX XXXX with my credit card. I later on decided to cancel my service with them but before I did I asked what was going to happen to the {$400.00} that I received with my trade-in. They assured me that the amount was going to be issued to the card that I had stored on file. I agreed and switched carriers. About a month and a half later i contacted them wondering about my credit and they told me the only way I would receive the credit was in XXXX XXXX credits and that no other options were available. Customer service was not able to help so he transferred me a " specialist '' to help me yet still nothing. He escalated the issue to someone else. A day later I got an email and still they were unable to do anything. Customer service recommended me to get back with the XXXX XXXX to use up the credits even though I left because of the Customer Service issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is my name social security number is XXXX my complaint is that XXXX  has filed my disputes for the three negative items that are fraud I filed a federal trade commission identity theft report for the three negative items that are charged off normally XXXX will delete them in 24 hours off my credit report .and my complaint regarding equifax credit reporting agency there's only one negative item that's XXXX  XXXX please tell equifax to have that item removed due to fraud I filed a federal trade commission identity theft report with equifax too
Product: Credit reporting or other personal consumer reports

I recently view copies of my ( XXXX, Experian and XXXX ) consumer reports and noticed that it is reporting my experience with your company. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX and I. 

XXXX HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.

I GAVE 30 calendar days to update my utilization to 0 % usage and remove the late payments from said accounts and consumer reports with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ). Do not remove but update said accounts to pays as agreed or in good standing. 

Furthermore, I am REQUEST that XXXX provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that THEY have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

XXXX HAD 30 days from the date that THEY receive this letter to provide me with the information that I am REQUESTED. XXXX did not provide this information in the allotted time given, and it is assumed that XXXX can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ).
Product: Mortgage

I have owned my home for 14 years, not once in those 14 years have I made a late payment on my mortgage. My mortgage was apparently sold and is being serviced by Ditech. In XXXX 2016 my automatic payment for my Principal and Interest was not deducted from my bank account, there was however a NSF Fee. I contacted Ditech immediately to inquire about the issue. I was told that I had been sent a letter ( I never received ) requesting proof of flood insurance and when it was not provided that Ditech had opened an escrow account and my payments would be significantly higher due to this added escrow. This is not the first time I have had a mortgage servicer request proof of flood insurance, I gathered the requested information and faxed it to them immediately. I followed up and was told it had not been received. I sent it again. I followed up and was advised it had been received and would be resolved. I then began receiving letters that my account was delinquent, I called back several times. They refused to take payment unless I paid the Escrow amount that I had already been advised was not warranted. On my second attempt to make a payment, I explained the issue and spoke with a supervisor that authorized the payment on the principal and interest to get me current, she also assured me that once my insurance was received the insurance coverage they opened would be stopped and the escrow account closed, to find out afterward they applied it to the escrow account. I have sent Fax after Fax, email after email, proof of insurance for flood. Once confirmed they had updated the flood insurance, they then opened a Second account ( forced insurance ) for Hazard that no one until that moment had mentioned to me. I Immediately sent proof of Hazard insurance. I have requested in writing that the escrow account was not authorized or opened by me and requested it be closed, this was declined they said due to non payment of the same escrow account I have proven was not opened by me or required. My Insurance documents have been verified as having been received and updated yet I still can not make the proper payments on my mortgage. My insurance coverage has never lapsed, expired or been cancelled due to non-payment. I have been advised by ditech on several occasions that this will be resolved, yet it never has been. I have made dozens of calls requesting escalation and an insurance assessment and am still unable to get this issue resolved. I just want to pay my mortgage. They have received all requested information yet they are determined that I am going to have an escrow account and I am going to have to pay my insurance TWICE every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Transunion credit report and saw that I have many unauthorized inquiries that I didn't give permission to run my credit. I called and spoke to a rep and he refused to delete them. So I'm filing a complaint against them so I can have the unauthorized inquiries removed from my credit report. I spoke to Trans Union XX/XX/XXXX around XXXX pst. 
The unauthorized inquires are listed below : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX  XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX  XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX  XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XXXX XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX  XXXX XXXX XXXX XX/XX/XXXX 23. XXXX  XXXX XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XXXX XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

OnXX/XX/2020 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/scrub>XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023; XXXX XXXX XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Zell 's handling of disputes is particularly concerning, 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, despite the various proof of information I provided for them. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems leaving us vulnerable to scams.
Product: Money transfer, virtual currency, or money service

my friend sent me money twice for XXXX n again for XXXX  dollars n google pay wont release it nor accept my debit card for instant transfer which they have before
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX Balance : {$4900.00}
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, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX ; DEPTEDXXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX