23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion is reporting accounts that are not mine. I have disputed with them before but they produce no evidence to show me that these indeed are my accounts. They are speculating and putting " updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. The reports they send back provide no evidence of verification. It just says the exact same thing from the previous credit report. There is even  NR ( X ) not  reporting on the months of the accounts that further prove these accounts are not verified. They  need to delete  these account immediately.
Product: Credit card

I have been a victim of identity left. My identification card was stolen and my social security card was stolen. The individual who stole my information opened an old navy credit card without my consent. I reported the crime to the Barclays ( old navy ). The fraud started on XX/XX/. Barclays ( old navy ). Completed an investigation on XX/XX/23 and determine there was no crime. Witch is false. I have reported this to alameda police department. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I filed a claim with Wells Fargo after I found my debit card was missing. At this time I noticed 3 transactions for sure that I did not make and 1 transaction I was unsure if I made before misplacing my card. These Transactions totaled {$260.00}. This claim was then handled by the Wells Fargo Claims Department, which at the end of the investigation denied the claim in its entirety due to my PIN number being used on a transaction. The transaction which my PIN was used on, was the transaction I was not 100 % sure if I had made or not but later realized it was me at a convenience store.

After they denied the claim I reached out and asked if they could reinvestigate as I found that there was a mistake on their end. I was told to contact the Escalated Complaints department and I filed a complaint with them. During this time I reached out to two of the establishments which transactions were made at during the time my card was missing. The owners were gracious and provided me with receipts with a signature that was not mine as well as footage of a person other than myself using my card in their establishments. This is the job I thought the Wells Fargo Claims Department would have done during their investigation. 

On XXXX/XXXX/XXXX I received an E-Letter from the Escalated Complaints Department further denying my claim, due to the PIN number being used at the convenient store prior to my card going missing and being used almost an hour away. 

I have tried to give Wells Fargo the information from the businesses I have contacted but they have not reached out to me to get this once it is mentioned. I have done their job for them and proven my card was taken and that the transactions were not legitimate and need to be handled by their institution. Every time I reach out to Wells Fargo for assistance or to ask questions about this claim I am met with HOSTILITY. I have been a Wells Fargo account holder since XXXX and will most certainly not be continuing my tenure with the institution if things are not handled better.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : EMPLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Checking or savings account

On XX/XX/XXXX I sent {$730.00} to the wrong person on XXXX and I contacted chase bank to advise them of that. I was told that they would try to get the funds back and if they couldn't I would just be out of luck. On Saturday XX/XX/XXXX I received a credit to my account for the funds and it has been spent. Today on XX/XX/XXXX the bank took these funds back. I contacted to inquire why and they said it was a provisional credit. It was not explained to me that it was provisional, I explained that to the representative and she could care less. I asked to pull the call because it was not explained to me that way and she provided no solution except that chase could do nothing else.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : This account is a mistake. I do not recognize these charges. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX - TransUnion
Product: Money transfer, virtual currency, or money service

I am writing in regards of zelle handling my dispute cfpb lawsuit significant issues with the platform
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or discharged in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. 

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX  XXXXNever Late '' to now just reporting " Discharged through Bankruptcy XXXX  XXXX '' so my credit looks worse than it did previously. 

Reporting debt as being discharged in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. 

I have attached a full list of creditors included in my 2018 XXXX  XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that XXXX XXXX  XXXX was not included in the list of creditors.
Product: Debt collection

After my last communication with radius / XXXX, or whatever name they are using at this time, they called the XXXX police and said I had threatened them through CFPB and that is not true. I said their tactics might kill me, and that may be true if they take my XXXX  income and pension income, as I could not support myself without it. What are they trying to prove? I know they are massively powerful already. I suppose I am lucky that I was not arrested. What comes next? How will they threaten me next? I am terrified now. This debt was from my late husband, who took other credit card debt, of his, and dumped it on this card without my knowledge or consent. He ran up debt on my XXXX card buying expensive clothes, and then dumped that debt on this card, I told this to XXXX in numerous letters to them and their collectors over a 3 year period. He killed himself in XX/XX/2015, and his problems are over. What more do they want? He stole my life savings of over 300K. I do not think it is appropriate to call the police to my door because I owe them money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) have a mortgage with Intercap Lending and we pay XXXX a month. We acquired our home in XX/XX/XXXX. The three credit bureaus have not been reflecting our mortgage payments on either of our credit reports. We have contacted XXXX XXXX and they say they are reporting but when we contact the credit bureaus they do not see the information. We had a bankruptcy discharge in XX/XX/XXXX and since then we have had this issue. Please help us fix this issue since its affecting our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FOUND OUT THAT I HAVE FRAUD ON MY CREDIT REPORT FRAUDULENT ACCOUNTS AND INQUIRIES
Product: Credit card

I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # 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.

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 items of information, other than records of conviction 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: Mortgage

I executed a cash for keys agreement with Greentree as part of the Deed-In-Lieu of foreclosure agreement. Now Greentree is unwilling to pay me the {$3000.00} amount that was agreed to by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I live at XXXX XXXX XXXX, XXXX, AL XXXX. All other names addresses, and phone numbers listed below should be removed from my credit report ( XXXX ). 

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

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 or other personal consumer reports

I have been disputing the fraudulent inquiries with Equifax to remove them in my report yet they keep on invalidating my documentations that i sent. I do not know what is in their system but i have the right to a fair credit reporting. I have been calling them and sending them documents since last year. I want those fraudulent inquiries to be removed as soon as possible. I have the right. I know i followed every instruction that the FTC instructed me to do. So Equifax should better remove them. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX
Product: Debt collection

I had already canceled this policy and started with a new company. I did call my agent and spoke directly to the office manager and I did it timely as I was directed by my new company and Nationwide
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019
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. 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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company Capital Management Services Collections Agency is currently harassing me having people claim to be officers call me. Stating that they have legal documents to serve me with court dates. I called them and they did not want to provide me with the documents they claim to serve with me with. I am not going to pay for something i do not have proof of They stated they attempted to come to my home which is a XXXX, never left any notice or anything. They would have found me at home since I am not working and am always home. I went to the my county court and they told me I had no open cases and that what they are doing to me is illegal. The debt they are trying to collect is old and does not even show up on my credit report. They are harassing me and my relatives and this needs to be stopped. they fail to provide me with any information but still have people claiming to be officers call me everyday, it is very scary and unlawful.
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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.

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, credit repair services, or other personal consumer reports

I disputed a collections account ( XXXXXXXX XXXX XXXX  ) with Transunion on or about XX/XX/21. I called them on XX/XX/21 to check the status of the dispute and they stated it was still in process. I called them on XX/XX/21 and they now state the dispute was never made.
Product: Credit card

Care Credit/ Synchrony Bank . I called in to ask about a Mastercard option for my credit card when I spoke to the rep, they told me it's a system who randomly picks customers for the Mastercard option. I have been a loyal customer for over 4 years and have never been picked, when I asked how they make sure the system is equally choosing the right people and not just choosing based on race, amount of money they make or where they live, they were unable to answer that. That type of response made me wonder if that system is tested to see if it's being offered to a wide variety of groups or is it based on the amount of money you make per year, your balance, etc. I requested a call back but never got a call back, the request was sent over to their fair lending compliance department. I am not putting this in simply because I did not get an offer, but to make sure they are being compliant and fair to every single consumer they have. As of now it seems like they need to be audited to ensure they are following regulations.
Product: Credit reporting or other personal consumer reports

First off, I had financed through XXXX Toyota in XXXX XXXX, on XXXX, have an over XXXX credit score the best APR they gave me was 72 months 8.89 % after I realized that there were lower rates, I called Toyota in XXXX to get a lower APR, saying that with an XXXX credit score I should have received a better offer. They told me they could give me a 6.9 % APR, this involved them checking my credit, another hard inquiry, and {$340.00} servicing fee. I declined. I have the Toyota servicing app, on the app I can not see how much of my payment is going towards principle or interest, I called on XXXX, I was on hold for XXXX mins, on the phone with the Toyota representative for an hour, no resolve! Payment history should be transparent. Can you help me with this later half of this complaint?!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Early Warning Services [ Address ] XXXX, AZ Re : Dispute Case ID : XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX. 
XXXX # : XXXX Account XXXX XXXX XXXXXXXX Dear Consumer Services, I am writing to formally dispute your recent findings regarding Dispute Case ID : XXXX. While I appreciate your prompt response, I must express my serious concerns regarding the assertion that the information in your file is accurate and complete. 

It has come to my attention that XXXX XXXX has provided information about me to Early Warning Consumer Services without my explicit consent. This action constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. Additionally, the reporting of multiple accounts without my knowledge is unacceptable. 

Due to these privacy violations and the inaccurate nature of the information being reported, I hereby request the immediate removal of all accounts associated with my name from your records. The reporting of this information is damaging to my creditworthiness and is not in compliance with the FCRA. 

In light of these concerns, I also request a detailed explanation of the methods used to verify the accuracy of the reported information and the rationale behind your reporting practices. 

As indicated in your correspondence, I am entitled to submit a rebuttal statement. Therefore, I ask that you include this letter as part of my rebuttal in your records. Additionally, I request a copy of any updated report to be sent to any parties that received my file within the past two years for employment purposes or within the past six months for other purposes. 

Lastly, I would like a copy of your reinvestigation procedures, including the contact information for any furnishers of information relevant to my dispute. 

Thank you for your prompt attention to this matter. I look forward to your thorough review and response. 

Sincerely, XXXX XXXX
Product: Credit reporting

I filed for bankruptcy 4 years ago, and have XXXX XXXX XXXX credit card which I pay the amount due every month, for well-over two years. Even so, my credit rating does n't improve. YET, this week, when I signed up for a new cable service ( to allow me to save {$120.00} a month! ), my credit was downgraded a few points, erasing cherished positive points that are so hard to come by. 
Understanding the bankruptcy remains for years, I feel it is totally unfair and a complete disincentive to " punish '' credit holders like me for applying for new credit, while NOT rewarding me for paying off my debt monthly. 
I am getting this info from Credit Karma, though I do n't know if they are the guilty party. I believe it 's XXXX or all XXXX of the credit tracking companies.
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. 
I told Experian, XXXX, and XXXX to reinvestigate these inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Finance Reseller XX/XX/XXXX Experian XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, IL XXXX ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ) 3. ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) 7. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) 8. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN 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 a account without my written instructions