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

Inquiry : XXXX XXXX, Experian, XX/XX/2023 I reviewed a copy of my credit report and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2023. 

I never authorized such action and this constitutes a violation of my rights and should be removed.

Under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit card or prepaid card

I made a {$1500.00} ACH payment to Synchrony Bank ( Amazon Store Card ) on XXXX. This transaction cleared my bank XXXX. As of today, XXXX, the payment is not reflected in my available balance, affecting my utilization score. When I called, I was told it was " a security issue and my payment is on hold until XXXX. '' Large payments are always held the service agent said. This is outrageous. 1/3 of the month my score will reflect the higher balance/utilization. When I make four {$100.00} payments a week, it posts the next day!!!
Product: Debt collection

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that Mercantile sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Documentation bearing my signature where I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector XXXX Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Product: Credit card or prepaid card

I received an alert from XXXX about a credit inquiry and simultaneously received an email allegedly from Bank of America to verify my email addressthere was a link to click to verify but I did not click on it because I do not have an account with B of A. There was an XXXX number to call which I did. The recorded message ONLY wanted my account number. I took a screen shot of the email if you need it. 
This whole thing seemed fishy to me so I XXXX  the customer service number for B of A and called them. They verified that someone did in fact open an account with them TODAY with a credit limit of {$10000.00}. They closed the account and flagged it.
Product: Debt collection

I tried to speak to someone at Vance and Huffman and they keep transferring me to other companies. I didn't take out this loan and even offered to settle the bill but they wouldn't talk to me. This is not my account but its reporting on my credit report. This is not my account. I have sent paperwork in and even certified mail.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 in Zelle did not investigate my claims adequately.

They informed me that recovering lost funds was impossible And that tracking these was unfeasible the CFPB found that Zelle not only failed to protect consumers information but also allowed for repeat offenders. This exploited this system leaving userss vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concern concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and maXXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX SC XXXX Phone numbers : XXXX
Product: Mortgage

Been working with my realiter and the bank on a short sale for three years. When the bank switched names they stopped the process and we lost the buyer. We submitted more paperwork ans now the bank is refusing to look at the new offers we have on the house ans is trying to let it go ro a sheriff 's sale.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ), credit reporting agencies are obligated to promptly remove any information flagged by consumers as linked to erronoeus activity, ensuring action within four business days from receipt of such notification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

XX/XX/2024 Credence Resource Mana put a collection on my credit report.I didnt receive a notice to verify the debt.I have not done business with them or XXXX XXXX XXXX I have no contract with my signature on it.I have know knowledge of this debt.It was removed before because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity is incorrect on a XXXX collection account. The date of last activity was to be XX/XX/XXXX however it was somehow updated to XX/XX/XXXX. I have tried to correct this error repeatedly since this is the single issue that stands in the way of me and home ownership. I have now received a letter from XXXX telling me that any inquiry will cause the date of last activity to be updated. I would like to know if this is true. That being the case, any further attempt by me to get this information corrected would simply put me further and further behind at every attempt. I can not express how frustrating this is in that we can not purchase a home in the foreseeable future due to a mistake that I can not get anyone to correct. And, if I understand the letter from XXXX correctly, any future attempt would hurt me further. XXXX claims that they contacted Equifax but they declined to correct the information. I served our country honorably for many years and want to take advantage of my VA benefits to purchase a home. Any further guidance and assistance would be greatly appreciated.
Product: Credit card or prepaid card

During the transition of the BP credit card from Synchrony to XXXX, I made a payment of {$120.00} on XX/XX/22 to Synchrony. While the balance on my card was transferred over to XXXX, that payment was not. I contacted XXXX first asking about the missing payment and was told to submit proof of payment which I did. In following up with XXXX, I was told theres nothing they can do because Synchrony is refusing to work with them for all customers with this same issue. I called Synchrony and they just transfer me back to XXXX. WHERE IS MY PAYMENT? It cleared my bank on XX/XX/22 but neither company claims to have it or be able to resolve it and return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in disputes 60 days ago and havent heard from the credit bureaus
Product: Credit reporting or other personal consumer reports

The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Money transfer, virtual currency, or money service

For about a year now Ive been a member and I am enrolled in the WU Rewards program. I have yet to receive points to give me discounts as promised when I signed up. I send money to my loved ones in XXXX just about every 2 weeks so I should be compensated by now with multiple discounts that I have not received yet when sending money. I would like to have my discounts. This is misleading information when signing up if I am not receiving my discounts as promised. I would like to receive my points and use them towards my payments I send. I am owed plenty of money that I should be saving by now due to the discrepancy regarding this rewards program.
Product: Credit reporting, credit repair services, 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 XXXX Account name : # XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX CONTACT NAME XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 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, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Resurgent ID : XXXX Resurgent ID : XXXX Resurgent ID : XXXX Resurgent, also known as LVNV Funding LLC has reported unverified debt amounts in my name to each of the three credit reporting agencies, preventing me from renting a place to live, yet has not provided the debt verification I need. They only sent a significant number of letters stating that my claim is not valid, in response to my request for details of how the charges were arrived at, and the last statement of total amounts due, stating that is all they legally had to provide me. I dont owe these inflated amounts of money. I finally resorted to mailing them a request for debt settlement request for each of the above accounts. I was ignored as always. I only offered settlements because I saw it as my only way out to get these off my credit report and out of my life. Now, I understand this is extortion, and I should not pay them anything until they tell me the details of this debt. I have included copies of my initial disputes in an effort to gather the necessary information. I will add a folder of their communication to me when I get home today ( XX/XX/2023 ) If I am allowed to do that. This is urgent as they now threaten to sue me even though they wont let me see my records. In each case, I filed my dispute within the allowed time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently had suspected fraud on my SSN and noticed there are a bunch of inquiries on my credit report that are not authorized or known to me. The suspected stolen identity has already been reporting to the government including IRS and others. As per the Fair Reporting Act, please remove the following inquiries from my credit report promptly : - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX Thank you, XXXX XXXX
Product: Vehicle loan or lease

I reached out to this company several times in hopes of trying to resolve this matter. I was sold a lemon vehicle of which I was trying to pay the car payment and multiple repairs totaling over 15,000.00. In  XXXX, I called the company to advise of payment being sent and was advised by the representative not to send payment, in fact the company was not longer collecting on the vehicle as it was too old and had no value. I was advised someone from collections will be in touch with me to further discuss payoff and get me my title and that never happened. upon calling them back in XX/XX/XXXX and again in XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX I was advised the due to the original creditor going bankrupt they could no longer collect on this item and the {$8000.00} ( + ) still owed was expunged and I would receive a letter and title in the mail by the end of XXXX well that never happened. now when I call them I get the run around and nobody calls me back. I reached out to them several times even more recently because when I disputed this item several times on my credit reports with XXXX, XXXX, and XXXX they went in and now said the item in collections for {$14000.00} ( + ) dollars. How can they now want so much money for a 14 year old vehicle and where did they get these figures from. I never rec 'd anything indicating I owed them again since the original conversation in XXXX nor did they send any collection letters or contact me and none of my information has changed. they also are reporting repossession and redeemed and that is not accurate. I paid the vehicle before it every got to that status, not to mention this being on my reports and it is not accurate at all. I tried everything I know to get this resolved and to date I have been unsuccessful on my own. I have all the repair documents and the financing documents for the vehicle still and never rec 'd anything from them releasing me besides verbal authorization. Lastly for over 7 years I was paying for a vehicle and being robbed as the monies were not being credited appropriately as per the terms and conditions of the contract. When I went back to the original dealer on this issue I was advised they closed down for faulty contacts and swindling people. When I contacted the financing company I got the same information and they then went bankrupt after receiving bail out money from government. Then TD auto finance purchased the account and pretty much started my payments all over again and increased my balances. which should be considered unlawful.
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Resurgent Receivables Collection amount of {$940.00} XXXX XXXX XXXX Collection Collection amount of {$1000.00} First Premier Credit Card Balance of {$550.00} DEPT OF ED/XXXX - {$1800.00} DEPT OF EDXXXX  XXXX XXXX In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.

15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.

15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.

As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at XXXX ] or [ XXXX ] if you require any additional information or documentation.
Product: Bank account or service

My wife and I have had an account with Wells Fargo ( formerly Wachovia ) for about 28 years. I deposited {$11000.00} into the account. Well Fargo froze the account " in case the money is XXXX. '' About this time, my wife wrote XXXX checks, # XXXX for {$1500.00} and # XXXX for {$2.00} to a contractor. The contractor tried to cash the checks and his bank said that they were not being honored by Wells Fargo. Unfortunately, the contractor asked my wife for XXXX more checks for the same amount and she complied ( numbers XXXX and XXXX ). I called Wells Fargo and asked why they did n't honor the first checks and they told me they were concerned that about the deposit being drug money. I pointed out that there was already a balance of more than {$4400.00} before I made the {$11000.00} deposit. They told me that XXXX set of checks had cleared, with {$4400.00} being withdrawn from my account and the other set had not cleared. I asked them to stop payment on the XXXX that had not cleared and they said that they would ( Reference numbers XXXX and XXXX ). Later, I saw my statement and saw that all XXXX checks had cleared so that {$8800.00} was withdrawn from my account. I called Wells Fargo twice : the first time the person handling my call for a long time while she talked to her supervisor and told me that they would get back to me. They did not get back to me. I initiated a second call and again I was put on hold a long time while a supervisor was involved and they told me that they were n't going to put the money back in my account ; I should ask the contractor to return the duplicate money. Later, they sent me a letter suggesting that I ask the contractor to return the money. We have had exhaustive talks with the contractor. He had not finished done any more of the job ( front porch ). He did give us {$1000.00} back, but no more. It has been almost two months. I little hope that CFPB can make the contractor do the work. I am hopeful you can persuade Wells Fargo to return the money for the checks they failed to stop payment on. Then, I would only be out {$3400.00} to the contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of ,2022, I filed a dispute with this bureau about the unverified account XXXX XXXX XXXX XXXXAccount number XXXX And also the charge off account of XXXX XXXXAccount number XXXX That is reporting a balance when this account was sold to The collection agency XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act this is considered double jeopardy. How can 2 agencies try to collect on the same account?

In these months I have not received a notice in 45 days and I have tried multiple attempts for corrections with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX