23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. This account was opened up fraudulently.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C & & 5536 ( a ) ( 1 ) ( A ) ( -B ) .as highlighted in the CFPB 'S recent administrative proceeding ( file noXXXX ) against them for similar violations .I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation These are the Account that are inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I financed a vehicle with Hyundai Motor Finance ( HMF ) at 0 % interest. I have since moved states and my new state requires I re-title the vehicle in my new state before I can register it. I first attempted to follow HMF 's directions online to upload a request for XXXX XXXX to title in a new state in XXXX. After several days of delays, they updated the online status to say the XXXX address was invalid ( it was not, but it is a newer DMV office ) and that they needed a completed Title Application. I completed that and uploaded it on XX/XX/XXXX. The status changed to " Pending '' with no additional notes or information. I finally called on XX/XX/XXXX after not hearing anything from HMF, and was advised they needed me to mail the physical copy ( despite this not previously being a requirement ). Considering this information was never relayed to me, I asked for a supervisor for further clarification and why two and a half weeks had passed and he said HMF asks all customers to call them for a status. This is not stated anywhere despite his insisting that it is always requested. This is exactly what they display online : " We are processing your state title transfer. Please reference the status tracker and checklists below to stay up to date on where we are in the process. Expected timeframes can vary. Please allow 6-8 weeks for the process to be completed. For more information please visit our FAQ section. " At this point it feels like they are purposely delaying assisting me with my state title transfer in hopes that I'll pay off my 0 % loan so I can get my title and register my vehicle.
Product: Credit reporting or other personal consumer reports

Subject : Reporting of Civil Liability for Negligence and Non-Compliance I am writing to formally report an issue related to civil liability for negligence and non-compliance that I believe warrants your investigation. 

Experian and XXXX XXXX have not removed negative accounts from my credit after I submitted proper disputes and I need this situation handled correctly and fairly. My credit is being misused and I understand that there is a lawsuit currently due to the companies not removing negative accounts as they are supposed to be doing. 

Given the nature of this situation, I believe it is in the public interest that the appropriate measures are taken to ensure compliance and prevent further issues. I kindly request that your office investigate this matter to determine if any violations of regulatory standards have occurred. 
Should you require any further information or documentation to assist with your investigation, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

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

My complaint is about XXXX  US Store Credit Card, They have not updated or reported my payments to the 3 credit Bureau since XX/XX/XXXX. This is showing as a high balance for the last 4 months. This is affecting my credit report. Below is the state of my credit file as XX/XX/XXXX. 

Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. 
Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$300.00} {$300.00} Payment Info Status Current Updated on XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment {$28.00} Late payments -
Product: Credit reporting, credit repair services, or other personal consumer reports

There's some kind of mistake on the company 's reporting on my credit report as I was never late in paying them monthly and because this is important to me.
Product: Debt collection

Account opened in my name and fraudulent, I never had a service with XXXX XXXX. Not sure where and when this account was opened. All I know is not mine.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle numerous times 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 card or prepaid card

On XX/XX/2019, I spoke with, XXXX, a representative with XXXX XXXX XXXX credit card. I informed him that some of their calls were not returned as they come up identified as a telemarketer and no one was leaving a message. He said he understood. He then went on to demand that a {$280.00} payment be made by XX/XX/2019. I told him that some agreement would need to be made as I send {$100.00} every two weeks and hat is all I can afford to send due to Federal Student Loan taking so much out of my pay every 2 weeks that I am left with nothing to spare. XXXX simply stated that, unless {$280.00} was there by XX/XX/2019, the fees were going to continue to be assessed and the required monthly amount due will increase. He would not waver from this blanket statement to discuss a payment arrangement. 
Though this number calls everyday, at least 3 or 4 times a day, XXXX was the first to leave a message. His message threatened to make a legal decision for me if I did not call back by XXXX and he identified himself as being with XXXX 's 20 %. I assumed it had to be the credit card and returned the call.
Product: Mortgage

Citizens Bank purchased condominium insurance on my behalf after they had received the condo insurance. This is a fraudulent attempt to charge for a condominium insurance that is not needed as the condo insurance is already in place.
Product: Debt collection

Apparently, this company provided services to me in XXXX of XXXX, and I've never used this company to my knowledge. I've never received notices of a balance owed, and it states I owe {$81.00}. The letter I received is dated XX/XX/XXXX as it was just reported to the collection agency Aargon Agency. 
I looked on XXXXXXXX XXXX to figure out if the XXXX XXXX XXXX even exists, and XXXX XXXX state the company sent out fraudulent collection letters to them. 
I read that a company has XXXX  years to report the collection to a collection agency, and this is over 4 years by XXXX  months. 
I had medical insurance during this time period, and never received a letter from my insurance stating they could not cover costs. 
I suspect this is fraudulent, and left a voicemail to the collections agency stating the " statue of limitations '', for debt to be reported on my credit.
Product: Debt collection

Vantage Sourcing claims I owe XXXX to XXXX XXXX, I have never been with XXXX and use XXXX currently and have been for quite sometime now. This is a ridiculously high amount even for a cell phone, I suspect the account is a family plan as the charge can not be for on line alone. I also believe that Vantage Sourcing has added on charges and or fees of their own as this amount is still too high for a family plan, I have never in my life had such a high utility bill even for gas, electric or cable. This is obviously fraud and someone used my name to open the account, possibly a relative. I have a cousin with the almost the same name, he goes by XXXX XXXX with no middle initial. My name is XXXX XXXX XXXX, the notice came in his name. I can not be for sure, however, I think he opened the account using my social security number. He might have done this as he may or may not have good enough credit to open an account.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Here I attach, along with the dispute, my fraud report. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit card or prepaid card

I closed my accounts with this XXXX  and XXXX XXXX XXXX and the company has not refunded my money back into my bank account as stated. Close to {$4000.00} Theyre now ignoring my emails. 

The Company is : XXXX XXXX XXXX and their address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX, Georgia XXXX
Product: Checking or savings account

On or about XX/XX/23 I noticed a charge on my Paypal ( PP ) in the amount of {$350.00} rounded up. I called to have it removed from my PP account. PP through its alleged manager. XXXX XXXX ( or XXXX ) ( XXXX ) sent me a database in which to enter my claim for the {$350.00}. Credit. The PP database did not allow me to see my keystrokes, was very inforgiving and did not allow for correction of errors. Inadvertently I added a XXXX to my claim which made it {$3500.00} instead of {$350.00}. XXXX went ballistic and claimed he would be fired from PP for MY error. PP then proceeded, without court order, to invade my computer, lock it so I didnt have access to it and freeze my bank account, Then, instead of allowing me to send PP a personal or cashiers check which would have quickly cleared the matter, PP demanded through XXXX that I pay in gift cards issued by various stores ( XXXX , XXXX, XXXX , XXXX ). 

Im a partially XXXX XXXX years old war veteran and its difficult for me to walk, Because of PP, I had to go from store to store to store to purchase the gift cards ( because of daily XXXX XXXX limits on their amounts ). Its taken days to get the amount needed to repay PP. In the meantime, Ive not had access to my own computer or my own bank account. 

To say that PPs business practices are heavyhanded and XXXX like is an under statement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.
Product: Credit reporting

I have requested on several occasions on all XXXX credit reports for XXXX XXXX account to be removed off XXXX, Experian, and XXXX. Last deliquency date was XX/XX/XXXX and this company is still reporting charge off and also has sold account as of XX/XX/XXXX to XXXX and now this company is showing collections account and date opened in XX/XX/XXXX. I have also requested on several occasions to a XXXX agencies to correct this information as well. This should also reflect actual date but instead they are using a more recent date to effect my credit for a longer period. Please remove XXXX XXXX account and correct dates on XXXX XXXX. This should not remain on my report longer than 7 year period. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, the agent provided the incorrect amount of XXXX, resulting in me being reported as 30 days late because the amount was XXXX. 

The agent is maintaining that I was informed that they informed me that the amount XXXX, but that was not what I heard the agent tell me. 

I am clearly disputing that I was furnished the incorrect past due amount that resulted in me being reported 30 days late because I did not pay the current past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance : {$460.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX XXXX has reported inaccurate and inconsistent information to the credit bureaus regarding my mortgage account. 

Here 's what happened : Due to extensive flood damage to our home and XXXX declaring XXXX XXXX a flood zone, XXXX XXXX XXXX XXXX XXXX Department approved XXXX consecutive forbearance periods for our mortgage : XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX Despite these approved forbearances, XXXX XXXX has incorrectly reported my account as past due since XX/XX/XXXX. This contradicts the terms of our forbearance agreements and violates the Fair Credit Reporting Act ( FCRA ). 

I sold the property at XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/XXXX, and the loan was paid off at that time. However, XXXX XXXX has failed to update my credit report to reflect this payoff. The inaccurate reporting is inconsistent across all three major credit reporting agencies. 

As a result of this incorrect reporting, I have been denied refinancing for my current home and an application for a new mortgage, despite having an otherwise excellent credit history with no late or missed payments. 

I have requested that XXXX XXXX : - Correct the inaccurate information on my credit reports to show my account was current during the forbearance periods. 
- Update my credit reports to reflect the loan payoff on XX/XX/XXXX. 
- Explain the inconsistent reporting across the three credit bureaus. 
- Confirm in writing that these corrections have been made. 

Despite my efforts to resolve this issue directly with XXXX XXXX, the problem persists, causing significant financial harm. I am seeking assistance from the CFPB to ensure XXXX XXXX complies with the FCRA and corrects these errors promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX N/A XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid XX/XX/XXXX, I was on line looking at car loan rates. I don't remember what site it was and I started putting info in. But when it got to the point where I was putting personal info in, I cleared out and went back and cleared out all info. 

Then on XX/XX/XXXX I got an alert from XXXX ... I had an auto inquiry from XXXX XXXX XXXX XXXX that put a ding on my report. I called the agency the ask for the credit check. They informed me that Rate Genius asked them to get credit score. 

I have never heard of or contacted XXXX XXXX XXXX or Rate Genius. How could these agencies get my info to get a credit report!! 

I called both agencies and both said they could not do anything. Each sorta of blamed the other. I called XXXX  but they said they could not do anything. 
I had talked to a lady at XXXX XXXX, and she promised me she would check into this and get back to me within a week. When I did not hear back from her, I called her on XX/XX/XXXX got her voice mail and told her if she did not get back to me, I was going to file a compliant. That night I call a call from Rate Genius from XXXX, He said he would check into this and get back to me within a few days. Of course I did not hear back from him and on XX/XX/XXXX I called him and of course got his voice mail, left a message and have not heard back from him. 

All I'm asking of either of the 2 companies is to reverse the credit check on my account. Yes, I went online but I removed all my info and they shouldn't have any of my info. Then for XXXX to give them a report with my permission!! 
I work hard to keep my credit score up and for someone to get a report and put a " ding '' on my account with my knowledge or approval!! 

When I talked with XXXX, I did put a Fraud alert on my account, whereas if anyone wants a credit score, I will have to be contacted. 

Then to add salt to the wound, both companies denied me credit!!! I have excellent credit. 

I am hoping that you can help me get the credit check off my account. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested information on proof of charge off for XXXX XXXX XXXX XXXX. Explanation on why XXXX XXXX is report as a charge off and a collection on the same account.
Product: Checking or savings account

I filed a dispute over a faulty product with my bank. I paid for a new screen for my XXXX. I brought it home and when I tried to use it, the a crack showed up on the screen. It was a defective product so I filed the dispute. Chase contacted me and said I won the disput and that the temporary reversal of funds would be permanent. I then went to XXXX where a month later all my money was taken from my account with no notice and Im stranded here with no money. Chase has not fixed this issue and this has caused me loss of safety in another country and fee for other bills not being paid. 

Chase said the merchant proved they provided a service. So they sold me a new XXXX screen which had a crack in it and the paperwork saying the sold it to me was enough? The service they sold me was defective. It never received a working XXXX  screen yet you overdraw my account because they said we provided a service. I called and told them I have photos of the XXXX  with they merchants temporarily screen cover still attached. What other proof do I need?
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts are on my credit report due to identity theft
Product: Debt collection

a claim of {$380.00} has been made by three ( 3 ) different credit collection agencies. Each claim the debt is for a failure to return equipment to XXXX. XXXX indicates my prior account is t a XXXX balance, Paid in full, with no money due on my account, closed over three years ago. These credit collecting agencies continue to sell the debt, knowing that there is nothing to collect. The agency name 's are as follow : XXXX XXXX XXXX, XXXX   XXXX, XXXX , Convergent Outsourcing , Inc .

The last company, Convergent Outsourcing , Inc. called numerous times, even after being told not to, and has written twice. I have sent letters of Denial concerning the Debt. I have been mistreated and spoken to in a rude manner by several staff member of Convergent. Convergent has been notified verbally and in writing that the debt they are claiming is in error. Convergent employee refuse to listen. As a former XXXX  XXXX  I have a suspicion that Convergent may be trying to perpetuate criminal fraud.
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 and Transunion 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 : XXXXXXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00}