23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I have a concern regarding my Zelle account regarding the recent CFPB lawsuit. Using Zelle and reporting discrepancies. I was not informed and I'm worried Zelle lost my funds and is it possible to recover. The CFPB findings indicate that Zelle failed to protect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting or other personal consumer reports

There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, XXXX, XXXX, Experian are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe XXXX, XXXX, and Experian have not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of XXXX, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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

THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX/XXXX ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX BANK ACCOUNT # XXXX AMOUNT {$XXXX} XXXX  XXXX BANK RAN OFF THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THAT THIS ACCOUNT IS NOT ACCURATE AND IT SHOULD SHOW A XXXX BALANCE
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 : XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXXharge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Checking or savings account

I lost my phone and wallet somewhere in XXXX XXXX XXXX XXXX XXXX XXXX My phone was unlocked and my debit pin was the last 4 digits of my SSN which my SS card was in my wallet. Someone found it and used my card for over {$1100.00} without my authorization or consent. I immediately disputed those charges as soon as they were no longer pending. PNC said they did an investigation and denied all but a {$50.00} dispute. This is absolutely ridiculous and I need my money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to 15 U.S.C 1681 there should not be any damages on my credit report thats a deformation to my character and is hindering my daily living with my children. I am not able to survive without a house and a car for me and my children.
Product: Credit card

on XXXX I filed for debt consolidation a check was received by Capitol One on XXXX payment wasn't applied till XXXX I was told by my lender they would contact capitol one and inform of the in full payment on my cards. on XXXX they applied a " interest fee '' of {$210.00}. spoke with several representatives and asked for the account to be credited since the account was paid in full. they said the best they could do was {$50.00} and it would be credited to my account. I asked to speak to a supervisor and she explained all she was willing to do was {$50.00}. I then asked if i could speak to her supervisor and was told she is the top supervisor and that if I was unhappy to write a letter but it wouldn't do anything and they would only credit {$50.00}. my account only had one late payment and that shouldn't have even been charged since they were aware of the incoming check to pay them in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to have the fraud alert on my credit report removed but every time I look at my credit report i still have a fraud alert on there and its making application for new credit difficult.
Product: Checking or savings account

I opened my account on XX/XX/2021 via this link : https : XXXX  Headline was : HSBC XXXX 2 % Cash Back Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. 

Terms was : You will automatically receive the 2 % cash back in your new HSBC XXXX checking account approximately eight weeks after completing that months qualifying activities. 

I have contacted support and opened a support ticket. Today ( XXXX ) the customer service rep said that I did not open the account with the offer attached, but I have only ever hit the signup page through there. I would never have considered opening the account without the offer. 

The offer has been pulled, but I can show a screenshot of my web history on the account open date that shows that I landed and progressed from the bonus offer landing site ( attached ). 

I have made $ XXXX in direct deposits monthly since opening then.
Product: Credit card or prepaid card

In early XXXX I received a mailed letter ( it was dated XX/XX/2019 by them, however I did not receive it until at least XX/XX/2019 ) from Kohl 's stating that a credit account that I have through them had an amount of {$100.00} that was past due. The letter did not state how long past due the request payment was, only that it was past due. I had received no other communication from them or notifications of request for payment prior to receiving this. I then called and made the payment as requested to bring my account to good standing. Since they did not provide me with the length of time it was past due, I did not worry about this affecting my credit at the time. However, about a month later on XX/XX/2019 I received credit score information via FICO and noticed my score had dropped approximately 70 points due to the missed payment. I then contacted Kohl 's immediately on the same day, XX/XX/2019, to rectify the situation. The representative I spoke with informed me that they had incorrect email address data on file for my account which was why I had not received any account statements or communications from them regarding my account. I also received zero telephone communications or mailed communications from them during any of this time regarding my account even though the phone number and mailing address portions of my contact information were actually correct and could have been used to reach me and would have avoided any of this situation from happening. Only the email portion of my account information was not correct in their data, and that was the only method they had used to attempt to contact me. Despite this admission of error/incorrect information on their part, they still refused to remove the late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my lender had pulled what should've been my final credit report for the purchase of my new home. I was astonished when he reached out to me to indicate that there was a new " old '' account reporting that was not on any previous reports. I currently have two accounts reporting on my TransUnion credit profile with the XXXX XXXX XXXX XXXX. The account that was re-added had a date of last payment and activity of XXXX XXXX. Seven years and 180 days had passed and the debt was no longer reporting on my credit report. Then a new account number was established with history starting in XX/XX/XXXX, almost a year past the old account being removed, essentially re-aging a time-barred debt. The careless, reckless and erroneous error has now put me in jeopardy of losing the significant amount of money I have on deposit with the builder. Furthermore, this has now placed us in a position where if not corrected immediately, we face being homeless. I feel this is a blatant violation under my rights under FCRA and FDCPA ; even more so that TransUnion allowed these accounts to be furnished.
Product: Debt collection

This is not my Medical Account Debt. This was under my Dad 's medical insurance, and his Social Security #. Even though I was just XXXX on the day of service. My Dad 's Medical Insurance explained to me it was unlawful to use my Social Security # for Collections, because the medical clinic does not have my Social Security #. How and Why did the Collection agency have it and used it on my Consumer Credit Report? Same Medical Collection Amount did show on my Dad 's report and was paid in full.
Product: Debt collection

Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Product: Credit reporting or other personal consumer reports

XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to Transunion an account starting with # XXXX. For XXXX and XXXX you are reporting an account starting with # XXXX. Hat is the Correct Account number for my student loans? See XXXX  report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

Transunion, XXXX, and XXXX is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.
Product: Student loan

I have been on the SAVE plan. Through NELNET. I have been in the SAVE forbearance where interest is not to be accruing. However, interest has been accruing over the last few months. I would like for my interest to stop accruing and to be credited back for the interest that has accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

am in the process of purchasing a home for my family and it was requested by a lender to pull my EQUIFAX credit report. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX # XXXX and ACCOUNT NAME : XXXX XXXX XXXX XXXX # XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX My name is XXXX XXXX. I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Product: Debt collection

I Received A Letter From Cascade Capital LLC, Dated XX/XX/XXXX ... .Stating My Account Has Been Assigned To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report On XX/XX/XXXXThey Had Added This Account To My Credit Report. I Have Never Had An Account With This Collection Agecies Listed ... The Account They Are Noted Was Last Reported In XX/XX/XXXXAnd They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.
Product: Credit reporting or other personal consumer reports

I recently look my credit report and i was shocked to see that i have been victim of identity theft, I found on my credit report fraudulent account : name, address and phone number, that i want to dispute them, I am in the process to buy a new car this fraudulent information harm my credit report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Number XXXX ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX / Name : XXXX XXXX XXXX Fraudulent accounts : XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX