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

I have disputed the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX numerous times to Experian who refused to delete. I formally lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX and have never lived at XXXX XXXX XXXX XXXX XXXX XXXX. I called and Experian Rep refused to delete, I have written in my dispute and they have refused to delete and I have disputed online to no success. I did not live at this particular address although I lived at a address similar. I have submitted identity theft reports, and my old lease showing my old address similar to no avail. Experian is the only Bureau that is reporting this incorrect address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes to experian, XXXX, and XXXX for account # XXXX for XXXX XXXX ( Original Creditor : 08 XXXX  XXXX XXXX  XXXX XXXX XXXX  ). Twice they have " verified '' this debt ... ..The reporting on their report is supposed to be 100 % accurate and its not. Here I reach out to portfolio for validation of debt as i have no recollection of this debt and they claim I owe {$450.00} as 2 out of the 3 ( XXXX  deleted it ) credit bureaus are reporting that I " owe '' {$450.00} ... ... how are they doing a full and proper investigation when the information is inaccurate? The answer is they have not ... I have attached documents as proof.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND XXXX XXXX REFUSES TO REMOVE I HAVE SENT THE AFFIDAVIT, I RESIDE OUT OF THE COUNTY NOW THAT IM BACK HOME I HAVE FILED THE REPORT AND WILL ATTACH BELOW ( XXXX HONERED IT BUT XXXX REFUSES ) AS PER FCRA 605 C THIS INFO MUST COME OFF WITH IN 4 DAYS. 

AS AN XXXX XXXX XXXX, NOT SURE WHERE THIS ACCOUNT IS COMING FROM
Product: Student loan

As a student of XXXX XXXX I was defrauded out of $ XXXX of $ XXXX with malicious intent. XXXX  as a servicer should be held liable for handling funds for a fraudulent entity. DoE has discharged all federal guaranteed loans but I paid over XXXX in loan payments to XXXX private loans held by XXXX. There should be a forced recourse by this loan servicer to refund all paid XXXX. The school used false data to entice students to attend while providing mostly unaccredited instructors at its schools.
Product: Credit reporting

XX/XX/XXXX, in reviewing my credit report I notice XXXX XXXX XXXX accounts with different account numbers. I contacted Transunion to dispute the account explaining there should only be XXXX. They told it would be 30 days to verify with XXXX XXXX then will remove it if it should n't be there. XX/XX/XXXX, I reviewed my credit report again but the item was still there. Therefore, I called XXXX XXXX customer service where they confirmed the information then sent information for Transunion to correctand they told Transunion and other credit bureaus. Here it is XXXX, XXXX duplicate account still reflects on my credit report. It appears that the credit report still reflect XXXX XXXX XXXX credit cards. It has now been 9 months trying to get XXXX of the XXXX XXXX Credit Card removed. Although it have an excellent pay history, it is affecting my debt to income ratio which lowering my credit score. They will not update the credit report.
Product: Credit reporting or other personal consumer reports

You breached U.S. Code Section 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) by providing reports together with credit or insurance transactions that the consumer did not conduct. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) No consumer reporting agency is allowed to create a consumer report that includes any of the following information, with the exception of records of criminal convictions that prior to the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency. Additionally, they don't even adhere to XXXX XXXX credit reporting regulations. I have proof to support my claims!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3100.00}, {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened oXX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.
Product: Checking or savings account

Ive contacted Citibank repeatedly regarding fraudulent transactions on my account. They keep re-adding these fraudulent charges. My old debit card linked to my checking account was stolen and used in XXXX and other online purchases. The following transactions are fraudulent and in dispute and should be sent back to the respective merchants : XX/XX/21 {$100.00} XXXX  XX/XX/21 {$29.00} XXXX  XX/XX/21 {$40.00} XXXX XX/XX/21 {$74.00} XXXX XX/XX/21 {$98.00} XXXX XXXX  XX/XX/21 {$130.00} XXXX XX/XX/21 {$200.00} XXXX XX/XX/21 {$700.00} XXXX XX/XX/21 {$1100.00} XXXX  XX/XX/21 {$1000.00} XXXX
Product: Vehicle loan or lease

Credit Acceptance will not defer one payment and add to end of loan like every other auto loans will do.
Product: Credit card or prepaid card

Capital one/Walmart XXXX XXXX XXXX XXXX XXXX, UT XXXX USA I have two of the same name and right there is inaccurate reporting in my credit report Amount is XXXX 2. Is for XXXX I know right there is fraud because u cant have two cards by the same name.
Product: Debt collection

Diversified Adjustment Collection Agency violated the FCRA by reporting negative information to the credit bureaus prior to notifying me of this alleged debt which is deemed to be unknown, past statute of limitations and/or fraud related. This agency reported me to the credit bureaus alleging I owed {$4100.00} on an account was opened on XX/XX/2022. This report raised a red flag because how could an account be opened in XX/XX/2022 and already in collections? Furthermore, why would they report this to the bureaus prior to contacting me? I was also informed by the credit bureau that my social security number was comprised and leaked on the Dark Web on XX/XX/2022 ; 3 days before this agency alleged the account was opened. I contacted the agency by calling the number associated with them and requested they send me something in writing. It's been 13 days and I still have not received anything from Diversified Adj. Services Inc. I have reason to believe false information was provided to the credit bureaus regarding this alleged debt and that this company is associated with several Dark Web Activities made in XXXX XXXX. My credit score dropped over XXXX points the next day and now shows below average. So far I have filed a police report and sent Diversified Adjustment Services a dispute, validation of debt and proof of claim letter.
Product: Checking or savings account

On XX/XX/XXXX while traveling overseas I was robbed my wallet was stolen money was withdrawn from my account and my bank card was used I suffered several injuries and spent the following day in the hospital I called my bank " chime '' to file a dispute and was told I can't I have to wait for the transactions to clear In my account so I waited once the money was taken I filed a dispute I included police report hospital report and every document needed the claim was denied I asked for a reason they told me they can't give a reason for another XXXX business days I was told I can file a rebuttal but the outcome would not change. I went online to see if others had this issue with chime and found it to be very common. The only way to get chime to actually send a reason and do a proper investigation is to file with fdic cfpb or hire legal services. I'm hoping to find resolve in the easiest way possible first.
Product: Debt collection

I decided to get copies of all three of my credit reports on XX/XX/XXXX. After reviewing all three copies I noticed on two of them that there was a collection account. The collection account is listed as Midland credit management is the amount of {$490.00} I have checked and searched profusely to try and find any bills or records that support this claim but to no avail. I realize now that this is the same account that I have disputed several times twice in XXXX. The first dispute was in XXXX of XXXX and the second one was in XXXX of XXXX. 
After the disputes I received emails stating that the listed accounts are accurate with no change in the listing. I have yet to receive any proof with my name, address social, etc. I would like to have this negative information removed completely.
Product: Debt collection

I was looking at my credit and notice this account. As a XXXX XXXX XXXX man I am not aware of this account and I have concludes this as identity theft. I was not informed if the original company at all. The credit bureau has not worked with me on this matter and has allowed what information they have of mine to be sold to other company. Which is against the law. This account needs to be removed asap. I have contact the police on this matter. I need a contract of my original signature. Thank you
Product: Debt collection

I have tried to dispute this information about hunter Warfield about a debit that I don't know anything about and they want take it off my credit report says that I owe money from them about a loan I didn't not apply for in my name and someone used an address with my information that I never lived at and that it was opened in XX/XX/2019 that year I had an XXXX  XXXX and was in the XXXX  and I didn't apply for I'm a victim of identity theft and someone using my credit to apply for credit and XXXX   loans and they making payments on the student loan that I know anything about and someone has a mortgage open in my name as well I know nothing about and and I never had bankruptcy or any kind or with and credit union
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/1970 XXXX Credit Bureaus : XXXX, XXXX, XXXX To whom it may concern : 15 USC 1681 Section 602 States : I have

the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for late for any purpose. 

I am reporting this collection as an " Open Account '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

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

I DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.
Product: Credit reporting or other personal consumer reports

the clerk of the united states bankruptcy court confirmed they do not report any information to credit bureaus. however transunion has been reporting a bankruptcy on my credit report. i have disputed this and transunion sent me a letter stating the dispute was verified as accurate. who verified this information if the united states bankruptcy does not report, or verify this information. this investigation has also not provided me with how and who the account was verified by. This is a formal request for the validation of the following entries on my credit report, which may be inaccurate. Please confirm that these entries are correct and belong to me. This letter is being issued in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), to notify you that the claim has been disputed and validation is required
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 in transactions, 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 the protect consumers but has also allowed repeat offenders to exploit the system. leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

As of XX/XX/22 6 separate charge under {$100.00} each, from two different companies in two different states ( one in KY, one in WA ; both are states not visited recently, nor services bought previously ) showed up on my account Based on a quick internet search I'm not alone as hundreds, if not thousands of others are facing the same scenario. 

The debit card for this account is not used for any transactions, so this makes the charges that much more concerning. 

Wait times on the phone are around an hour and online chat wait times are +4 hours. 

As no public statement has been made, I'm reporting the firm for not stopping the charges nor addressing the massive, apparent data breach.
Product: Credit card or prepaid card

I have a {$35.00} charge on my bill that does not belong. I have tried reaching the merchant but they are unable to assist and was told to contact my bank. I've been trying to reach someone at Barclay 's for the past few days. I have spent more than 2+ hours on hold only to be hung up on. They're online chat/messaging is useless and only provides canned responses. Their online dispute portal gives an error, etc. Barclay 's has made it impossible to reach anyone at their customer support. They have messages blaming Covid, but here we are 4+ months into it and they haven't gotten it together yet. I find this unacceptable and an atrocious business practice. A XXXX search for 'barclays ' returns many many others experiencing the exact same thing as myself. I would like this complaint to also document that I have been attempting to resolve a billing dispute. I don't want Barclay 's to pull something saying that it was not submitted in a timely manner.
Product: Checking or savings account

USAA FCU holding funds on a disputed transactions without making provisional credit available. Also holding XXXX payments and not allowing funds to be made available to handle an emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. recently checked my report and seen three credit cards along with numerous inquires which is hindering me from getting a vehicle. This is a result of identity theft and would like these accounts and inquires removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the end of XXXX due to a Tropical Storm, a declared disaster, and most of XXXX due to Covid 19 affecting my business I had difficulty making payments on this account. However, I do believe that some months that reflected as not paid were paid. 
I called XXXX XXXX  XXXX in XXXX and worked directly with them to pay the account and stated that I did not want this account to reflect as a charge off and would be willing to pay full amount with no discount provided that the account would not be closed reflecting a charge off status. I believe that the rep may have offered a small credit but it was agreed explicitly that once paid the account be marked paid in full and not be a charge off. 
After full payment-my report now shows " charge off " for every month from XX/XX/XXXX to XX/XX/XXXX. When I paid them the full balance ( possibly less a small credit ) it was agreed that this account would reflect paid in full and WOULD NOT be a charge off. 
I now have a monumental impact to my credit by having 12 charge off indicators on my report after I held up my end of the bargain and paid more then their offer of settlement in order to prevent this and make good on my obligations. 
I have disputed with XXXX XXXX  XXXX and the credit bureaus mainly XXXX with no success in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This purchase took place on XX/XX/XXXX at XXXX XXXX  XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. 

Months later I began receiving text messages from WhyNotLeaseIt. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. 

I tried disputing the charge with WhyNotLeaseIt in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX  XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. 

The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX ''.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot 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.