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

inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised through the Equifax leak. Time frame unknown. I can not access any of the 3 big credit bureaus due to my stolen information someone has used to file for student loans, mortgages, credit cards and purchases. None of the information matches for me to access my credit.
Product: Credit card

Capital One is reporting a 90 day status to the credit bureaus on a closed account with a paid zero " XXXX '' balance that has been paid per all records ( Capital One, XXXX ect. ) since at least XXXX 2011. Account number XXXX .... I recently filed a dispute through XXXX and the company " updated '' the record but did not remove. I am not aware of any updated status. According to credit bureau records the account should be deleted ( fall off ) next month. Capital One with it 's enormously poor record with the XXXX as well as other sources remains a concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequencXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX. XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
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, M ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX EMPLOYER : RETIRED BXXXX XXXXXXXX XXXX RETIRED XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX  Collections : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXXXXXX XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX RETIRED Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Colections XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NAME XXXX XXXX A XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit incorrectly lists my account as a Charge Off on all three credit reports. I reached out to Ford and they confirmed that the account was paid in full and as agreed. I asked that they change this information and sent a letter in as instructed. The information on my credit reports is still listed incorrectly.
Product: Credit reporting or other personal consumer reports

NAME INCORRECT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS INCORRECT : XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY, XXXX EMPLOYMENT INCORRECT : XXXX XXXX XXXX XXXX Dismantling HARD INQUIRES : Unauthorized Inquiry XXXX Date of Inquiry : XXXX XXXX, XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Unauthorized Inquiry. 
XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Unauthorized INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX  Date of XXXX : XXXX XXXX Unauthorized Inquiry XXXX Date of Inquiry : XX/XX/XXXX DELETE ALL!! 

UNDER 15 USC 1666B THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECT BILLED ALL XXXX ACCOUNT XXXX PLEASE UPDATE THE STATUS OF THIS ACCOUNT TO PAID ON TIME XXXX  XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX THIS ACCOUNT NEEDS TO BE VALIDATED XXXX  ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items on my credit report and didn't receive a response
Product: Vehicle loan or lease

My daughter passed away and with funeral expenses I fell behind. I called to bank to make payment arrangements and was told no options it will be repossessed pay off loan entirely or make 4 payments of XXXX.
Product: Debt collection

Upon checking my credit I noticed bridgecrest credit c has listed an account on my credit report as charged off however I did not receive a 1099c and according to Reg. 1.6050P-1 ( b ) ( 2 ) ( i )
Product: Debt or credit management

XXXX XXXX XXXX closed my account and sent my card debt to collections with Capital Management Services. On XX/XX/XXXX i called and placed a payment for XXXX to settle the account in accordance with a 30 % settlement offer. Then on XX/XX/XXXX I called back and made an additional XXXX payment to finalize settlement. CMS accepted and processed first payment and then accepted settlement on the account but instead of settling moved the account to current status and not settled. I attempted to make a XXXX payment of XXXX and settle the account which was accepted but was then never processed. When I called back I was told that CMS no longer had my file and that XXXX had possession of it. Upon calling XXXX I was told that they did not have my file and that CMS had the file. And calling CMS back they told me that they cancelled my 2nd payment and sent my card data back to XXXX starting an endless cycle with me no longer having a settlement agreement. I called XXXX and was provided confirmation numbers for the first payment of XXXX which was XXXX and for the XXXX attempted payment was XXXX. I called XXXX as well. And was also provided with a defunct number of XXXX.
Product: Checking or savings account

My mother passed away XX/XX/XXXX. My father passed away XX/XX/XXXX. After receiving my father 's death certificate, I went to Wells Fargo bank to have the account closed on two separate occasions. The first time was after my father passed away, and then a second time after I kept receiving bank statements showing that Wells Fargo was steadily charging monthly fees regardless of me personally providing the bank copies of my parents death certificates on two separate occasions. Wells Fargo intentionally allowed the account to remain open to deplete the account of its funds. Each time I provided the original death certificates, Wells Fargo kept my parents ' account open. I was the caregiver for the both of my parents. My parents made little money, and to see a financial institution continuously take money from poor people was unethical. Wells Fargo refused to close account and continued to send monthly statements to my home. I stopped opening the statements as it was painful to see what the Bank was doing to me. My son was diagnosed with XXXX XXXX. At the time, I wanted to retrieved the money for my son, as my son was named after my father and my parents considered my son as their own child. 

At the time of my father 's death, the checking account balance was around {$1200.00} ; however, Wells Fargo only sent {$440.00} to Unclaimed Property. I would like Wells Fargo to do the honorable thing and return all monies taken out of account ; as I was told by their employees that the money would be returned. Although, I think they lied about that too. I considered Wells Fargo actions as the rich stealing from the poor. No government agency should allow such unethical behavior to go unpunished. Please help!
Product: Vehicle loan or lease

Financial hardships caused me to fall back on payments. I was told to keep in touch with the company Santander and send what I could. I did all of the suggested. My car was still repossessed and I owed on the car after it was sold. This made me feel like all of my sending out my last to keep the car and catch up on payments were null in void.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX and TransUnion-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, XXXX, TransUnion. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.
Product: Checking or savings account

I applied for their promotional checking account offering {$300.00} for opening a checking account, I opened the account on XX/XX/XXXX received my debit and letter confirming my option our for overdraft protection on XX/XX/XXXX all be email as I requested all documents, statements by email as I like to save paper. So, I did everything that I was required to do, to get the {$300.00} promotion and needed to make sure it stayed opened with no negative balance, no problem! 
Then on XX/XX/XXXX I received a letter in the regular mail from chase dated XX/XX/XXXX saying they will be closing my account ( I have XXXX informed delivery, which you get an email showing you the mail you will receive that day from the post office ) it was an the XXXX informed email I received that day as well. So, they held on to my money, sent me a debit card, emailed me a copy of the option out of overdraft letter on XX/XX/XXXX they like cash flow to make money then XXXX the consumer, stay away! Unfortunately, consumerfinance.gov would not let me reply and closed it after their reasoning is the agreement in the small print as usual, they can close your account at any time for any reason. For any of those that want to see my documents I will be glad to show you as attached and please notice dates of letters received.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX, 2024 Equifax XXXX XXXX  Subject : Request for Removal of Fraudulent Accounts from Credit Report Dear Sir/Madam, I, XXXX XXXX , am writing to request the removal of the following fraudulent accounts from my credit report. I have included a new XXXX XXXX Report that details the unauthorized items and creditors involved. 

FTC Report Number:XXXX 1. XXXX Account - Item Disputed : XXXX XXXX - Account Number : XXXX - Issue Type : Account ownership and fraud issues- Issue : This is not my account, and I am a victim of fraud.. 
- Confirmation XXXX : XXXX 2. Inquiries : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Date of Inquiry : XX/XX/2024 - Action : Dispute this XXXX XXXX XXXX XXXX - Address : XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX - Date of Inquiry : XX/XX/2023 Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these fraudulent accounts from my credit report. 

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

XXXX  is reporting a charge off every month when it should be only reported once that it was charged off. Not that it has charged off 45 times which is impossible. They have XXXX XXXX and XXXX XXXX which I am sure are the same company reporting Charge off numerous times on my credit report. General credit was transferred to XXXX XXXX because of the building being closed down. I am asking that XXXX XXXX and XXXX XXXX be removed and deleted from my credit report immediately. None of the dates nor information lines up with the other credit bureaus. I have asked for a full investigation numerous time from all of these bureaus. Nothing has been resolved. I am asking again that the XXXX XXXX and XXXX XXXX be removed for reporting inaccurate information. All 3 credit bureaus have different information and I can't tell which is accurate and inaccurate. When you compare all 3 none of the info matches but the balance. No dates match or info about the debt matches. Then I have receive a letter from a company called XXXX XXXX that I am assuming has purchased this debt.
Product: Credit card

I am writing to express my concerns and seek clarification regarding my Apple Card payment plan and the accrual of fees and interest on my account. I have been experiencing inconsistencies in the information provided to me and the charges applied to my account, which I believe need to be addressed. According to the payment plan agreement I received, my interest rate was reduced to 0 % APR for 12 months starting from XX/XX/XXXX. The agreement specifies that my monthly plan payment amount is {$51.00}, with the first payment due on XX/XX/XXXX, and the last payment to be made on XX/XX/XXXX. However, due to a misunderstanding regarding my pay schedule at my new job, I was unable to make the first payment on the agreed-upon date. I promptly contacted an Apple Card Specialist, XXXX XXXX, to explain the situation and inquire about the implications of a delayed payment. I was assured that missing the first payment would result in my account becoming past due but that I would remain enrolled in the program. Despite this assurance, I have noticed that my account continues to show as past due in the Wallet app, and the amount required to bring my account current has been increasing, which contradicts the terms of the 0 % APR payment plan. In subsequent communications with XXXX XXXX, I was informed that my account would be restricted until I make a payment of the total balance or the minimum due, but I was not provided with a clear explanation as to why additional charges are accruing. I kindly request a thorough review of my account and the payment plan to ensure that it is being administered in accordance with the agreed-upon terms. Specifically, I would like clarification on the following points : Why is my account showing as past due and the amount required to bring it current increasing, despite being enrolled in the XXXX plan with a 0 % APR? Why was I informed that missing the first payment would not affect my enrollment in the payment plan, yet my account status and balance suggest otherwise? What steps can be taken to rectify any errors and ensure that my account is accurately reflecting the terms of the payment plan? I appreciate your prompt attention to this matter and look forward to a resolution that aligns with the terms of the payment plan agreement
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal and final demand to immediately delete the inaccurate and unverifiable account referenced above from my credit report. Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 15 U.S.C. 1681s-2 ( Fair Credit Reporting Act ), I have the right to dispute any erroneous information on my credit report and demand immediate correction if the information can not be fully verified.

You are hereby notified that you have 30 days from the receipt of this letter to : Provide full legal validation of the debt, including all original signed agreements. 
Remove this account from all three major credit reporting agencies ( XXXX, XXXX, and TransUnion ), as the continued reporting of this inaccurate information constitutes a violation of federal law. 

Failure to comply within 30 days will leave me no option but to take immediate legal action against your agency for violations of both the FDCPA and FCRA. This includes pursuing legal action to seek statutory damages, actual damages, and recovery of all legal fees. Additionally, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your agency is held accountable for these violations. 

This is your final notice to resolve this matter promptly. Please confirm that the account has been deleted from my credit report and that you have ceased all communication with me regarding this matter, as per my rights under 15 U.S.C. 1692c ( c ). 

I trust you will handle this situation professionally and in compliance with the law. I look forward to receiving confirmation of the removal within 4 days. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. In light of the recent CFPB lawsuit highlighting significant issues with the platform and its lack of accountability regarding not including warning signs. 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Checking or savings account

I havent received my paycheck from ny employer due to Capital One having technical issues. I called and they told me that their XXXX  party company was having issues that would affect deposits and ACH transfers. So I called the branch itself to see what they can do as a resolve and I explained that I have bills go pay and they told me to ask the bill payers to give me an extension and I believe that is unacceptable