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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I am deeply concerned because I have noticed that Chime Bank is taking money from my account without any trace or clear explanation of the transactions, and I've learned that this is also happening to other people, which exacerbates my frustration and XXXX about the security of my funds ; I urgently need assistance in understanding where my money is going and how to resolve this troubling issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my credit report last month and upon receiving a copy I noticed there were several fraudulent accounts listed on my report. This is extremely alarming due to the fact that I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Product: Checking or savings account

XX/XX/XXXX my bank of america account was hacked. I quickly received an email regarding low funds and contacted my bank. They did nothing but tell me they would research the issue and would take 10 days to come to a decision. Today I received notice that my claim was denied because the transactions in question were completed by a third party who was given access to your account or account information. I've never ever given my information to anyone to steal my money. They told me today that if I get a letterhead from an IT or XXXX XXXX company stating that my laptop was compromised that they would revisit my account. I spoke to an IT professional and they said that wont prove anything. The bank has IP addresses of whoever logged in and they can trace it. The bank has not done anything to find who did this. There was proof that someone made multiple payments to XXXX with account numbers and they told me they dont contact them??? I was furious! Said so what are you doing for me then?!!! There is evidence where my money went and they did nothing about it!
Product: Checking or savings account

Someone has opened a checking/debit account using my name, DOB, SS # and address. 
M & T Bank sent a physical card to my address. They also sent a request to complete an application on an email. 

XXXXXXXX XXXX has sent XXXX emails so far requesting my email address to Complete an application to open a checking/ debit bank account. I have not responded to that email. 

Once I contacted the M & T Bank I was able to get the email address the fraudster used : XXXX M & T Bank has closed the account and guaranteed that another account can not be opened on my name online ever. I need to go to a branch in person if I choose to open an account with them.
Product: Money transfer, virtual currency, or money service

In the month of XXXX 2017, one of my business associates sent me {$4000.00} and {$3000.00} through PayPal. PayPal does not allow me to use my funds for well over 3 weeks. I have to call them constantly and beg for them to release the funds. In addition, there is a very long wait, usually over 30 minutes, to speak to a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my XXXX XXXX XXXX Credit Card, issued by Commenity Capital Bank was closed due to the joint applicant filing for bankruptcy. Prior to the filing, the account had NEVER been paid late, ( I was also able to get Commenity to verify 4x that I had never been late on the account ), however in XXXX & XXXX of XXXX two late payments were reported to all 3 bureaus for this account. This is very inaccurate, as this account had already been closed and included in bankruptcy. Commenity could be in a lot of trouble if I move forward with my attorney, as this is considered an act to try and collect after a bankruptcy has been filed and discharged.
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, my financial institution and Zelle failed to investigate these claims adequately. They informed us 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. My bank accounts were also linked to my Zelle account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXXXXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX IN with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Product: Mortgage

Amerihome Mortgage  acknowledged they made a mistake and combined both our loans ( one is our primary home and one is a rental ) in XXXX of 2022. They also acknowledged they switched the loan numbers and failed to pay taxes on both properties. They also contacted the insurance companies and asked them to update the loan number attached to the address to the WRONG address. They acknowledged all these mistakes and more HOWEVER, it is XX/XX/2022 and these problems have not been rectified. HOW LONG DOES IT TAKE TO ASSOCIATE THE ADDRESS WITH THE CORRECT LOAN NUMBER AND PARCEL NUMBERS? HOW LONG DOES IT TAKE TO DO AN ESCROW ANALYSIS TO INSURE THE HOMEOWNER DOESNT HAVE ANY MORE MONEY STOLEN FROM THEIR ESCROW ACCOUNTS DUE TO AN INTERNAL PROCESSING ERROR BY AMERIHOME?
Product: Credit reporting or other personal consumer reports

I called Experian on several occasions dated XXXX XXXX and XX/XX/XXXX  to have incorrect/transposed legal names removed from my Experian credit report. I have also filed couple CFPB complaints trying to correct this issue with no success. 
Experian is declining to remove incorrect names records stating they did a reinvestigation according to the 15 USC 1681. Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my right under 15 USC 1861. According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy. According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Experian stated over the phone that the information they have is correct as per the " Credit Card '' companies. The only name I provided to my creditors is XXXX XXXX XXXX XXXX which have provided a copy of my SSN card and State Driver License proving my true legal name. Even after several attempts to have incorrect names removed, Experian is still showing several incorrect names and they still are refusing to remove the incorrect names. Experian keeps saying that they are getting these names from the creditor and that I need to contact the creditors to have the information corrected. As per the law, they should not be reporting incorrect information on my credit report but they still are and they are justifying breaking the law by saying the creditors are sending them the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Credit card

RE : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX, NY XXXX XXXX FAX XXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - LEGAL VIOLATED FEDERAL LAW AS PER XXXX AND XXXX ( XXXX ) XXXX XX/XX/XXXX - SENT A LETTER TO THE LAWYER WITH LVNV FUNDING LLC XXXX XXXX XXXX AS PER THE ADVICE OF LEGAL XX/XX/XXXX - SENT LETTER TO NEW YORK XXXX XXXX REQUESTING THEY DISBAR UNDER THE FAIR CREDIT REPORTING ACCT AS THIS WAS COMPLETED AND PAID IN FULL AT OR PRIOR TO XX/XX/XXXX # XXXX - LEGAL ADVISE -WANT A PERSONAL AND PUBLIC APOLOGY IN LEUI OF {$50000.00} FOR XXXX AND OTHER XXXX XXXX WITH ISSUE DATING TO XXXX XXXX lender is in violation of federal and state law CONSUMER PROTECTION - FAIR CREDIT REPORTING ACT and was admitted to the bar in XXXX as per XXXX XXXX -Called in XX/XX/XXXX and requested the lawyer who sent letter to return call - this did not happen -Spoke with ID and XXXX on this issue and legal advised to file a civil and criminal charge if this is not resolved before end of XXXX signed electronically, XXXX via XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to contact all three credit bureaus to get the XXXX and XXXX alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my XXXX. Thank you.
Product: Debt collection

I am writing to dispute the presence of late payments on my credit report as listed in the report provided by your agency. After a careful review of my credit history, I have identified inaccuracies that I believe are negatively impacting my credit score. I am requesting an immediate correction of these errors. 

I understand that accurate reporting is essential for maintaining the integrity of credit reports. However, I firmly believe that the late payments listed are erroneous, and I request a thorough investigation into this matter. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter promptly and correct any inaccuracies found on my credit report. As a consumer, I am entitled to fair and accurate reporting, and I believe that resolving this dispute will contribute to the overall accuracy of my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and timely investigation of my dispute. I request that you provide me with a written response within 30 days of receiving this letter, detailing the results of your investigation and any actions taken to rectify the inaccuracies.
Product: Credit reporting or other personal consumer reports

An investigation done by TransUnion shows they deleted info mainly inquires off my credit now no one sees anything after theyve sent me several emails telling me its in my favor please help
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked in my credit report ( XXXX XXXX ) and once again .in my inquiry type : FINANCE, PERSONAL LOAN, DISCOVER INQUIRY DATE XX/XX/XXXX.. (  XXXX ) XXXX address :XXXX XXXX XXXX XXXX XXXX, DE ,XXXX XX/XX/XXXX. 
another Discover bank card was tried to be used in my name, or a personal loan, Discover Credit Operation team. 
XXXX aplication numb. # XXXX XXXX thes discover bank cards and personal loans is not by me ... ( FRAUD ) ... I understand some did receive a personnal loan threw discover..i put in 4 disputes to get this removed ... im on XXXX.. ssi ... like to give ( CFPB ) authority to request information in that file that was in my name.. ID.THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving a copy of my consumer report. I seen there was numerous fraudulent accounts taken out of my name. I have contacted the consumer reporting agencies. I have contacted the creditors. I have done a FTC report XXXX  report. With no resolution insight. I am a victim of identity theft. The situation has caused the great distress loss of sleep as well as XXXX XXXX Due to this fraudulent information being Furnished onto my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit fair reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C 1681 section 602 A. Sates I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency connot furnish a account without my written instuctions
Product: Debt collection

XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax, I am writing to dispute inaccurate information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The disputed information is as follows : - Creditor Name : XXXX XXXX XXXX XXXX - Account Number:XXXXXXXX XXXX Nature of Dispute : Inaccurate reporting of late payments and account status Under the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of the information reported ( 15 U.S.C. 1681e ( b ) ). However, my credit report contains the following inaccuracies : XXXX. The account reflects three late payments, but I believe these are erroneous as I made consistent payments, including on XX/XX/XXXX, as shown in the attached documentation. 
XXXX. The account is listed as closed as of XX/XX/XXXX, which contradicts payment activity after this date. 

These inaccuracies are damaging to my creditworthiness and are a direct violation of the accuracy and dispute resolution requirements of the FCRA ( 15 U.S.C. 1681i ). 

I am requesting that you : XXXX. Investigate this account thoroughly : as required under 15 U.S.C. 1681i. 
XXXX. Provide written confirmation : of the results of your investigation. 
XXXX XXXXRemove or correct all inaccurate information** within the legally mandated 30-day timeframe.

If this information can not be verified, it must be promptly deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to address this dispute adequately may result in further action to protect my rights under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Thank you for your prompt attention to this matter. I look forward to your written confirmation of receipt and a resolution of this dispute. 

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

I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, EXPERIAN AND XXXX  ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..
Product: Credit reporting

This information is incorrect, and by law is required to be removed however experian has not done so. 
I have spoken with XXXX XXXX XXXX the creditors payment solution dept whom admits the information is incorrect. This incorrect information was removed from other credit reporting agencies yet remains on the experian reports a a negative factor. Per experian staff this case has been investigated, if this was true then why has n't experian abided by the law and removed wrong information from my credit report. Due to experians unlawful reporting of incorrect information on my credit report my ability to obtain credit and or receive the appropriate interest rates have been negatively impacted. 
I want this resolved expeditiously by removing the information from my credit report. 

credit report s proved to be a very
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$430.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$1100.00}