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

To whom this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of PA. 

Kind regards,
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  account # has violated my rights. XX/XX/2019 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 its also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion a few months ago. There were numerous hard inquiries that I noticed on my credit report that I never authorized. I called TransUnion, first having SEVERE difficulty getting through to someone, and then being transferred back and forth between representatives which was frustrating and unprofessional. When expressing my concern with the representative, he told me that there was NOTHING at all he could do, instead directing me to write letters to the companies who performed the inquires to ask them to remove it. He offered to give me the addresses, but I declined. I feel as though TransUnion abandoned me, leaving me with nowhere to turn, as I thought they were going to help. Their lack of care and attention had caused severe harm to my credit score, leaving unauthorized inquires on for an extended period of time. I put my credit profile on a freeze for a period of time because of these but still have no resolution. 

They were as follows XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXX  XXXX I - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XX/XX/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 Account Number : XXXX Account Name : Untitled Account Number : 7085** 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 card

I've submitted documents that show package never recieved dispute is from XXXX and now Chase is telling me its too old. I've been providing documents this whole time trying to get issue resolved. I'm owed {$200.00} and Chase has charged me back for more than my order was even for. They didn't process or take time to work this charge back at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and I seen some account that arent mine and a late payment which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas
Product: Credit card or prepaid card

FNBO disabled my credit card without cause or explanation and is withholding my prepaid card deposit. For these reasons, I requested that my account be closed. FNBO has ignored this request and my account remains open to this day. FNBO is in breach of our Cardmember Agreement.
Product: Credit card

On XXXX/XXXX/XXXX I applied for a credit line increase on my Capital One card. I received a letter from Capital One that states they are unable to increase my credit line right now due to my credit score. On the disclosure it states that my credit score was pulled on XXXX/XXXX/XXXX which is more than 90 days ago. I called in and spoke with a customer service representative who told me that if that was n't my score I needed to dispute it with XXXX. I explained to the customer service rep ( XXXX ) that I am aware through prior conversations that Capital One only does soft inquiries every 45-60 days or so, but it takes some time for it to populate to the credit line increase system. I was looking to find out when the next set of scores were going to populate as my Capital One Credit Tracker service has shown since XXXX my credit score has gone up allot and I believe based on my current credit scores that I would qualify for an increase. He told me that my billing cycle is every month on the XXXX. At this point, he clearly did not understand what I was asking so I asked to speak to a manager ( XXXX ID # XXXX ) who I explained the same thing to. He told me that on the letter there is a number for Equifax that I can call to dispute my credit score at. I again stated " Your letter says CAPITAL ONE obtained my fico score on XXXX/XXXX/XXXX that was more than 90 days before I applied for the increase, I already have a copy of my updated score and it has gone up significantly, I would like to know on what day your system is going to update '' he responded that it depended on my dispute. At this point I was frustrated with his lack of knowledge, being a manager and not knowing basic Capital One policies is unacceptable to me as a client. It really does n't give me comfort knowing that a manager at capital one doesnt understand what I am asking or have any idea what I am talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX XXXX XXXX XXXX XXXX closed one of our accounts and made no mention of the issue to myself via any means. Text, email, USpostal service, phone call. Nothing. When our merchant provider attempted to deposit over {$7000.00} into the account, it was closed unbeknownst to anyone that it was closed. It turns out that XXXX XXXX XXXX XXXX charged a fee that put the account in the negative and then continued to charge over {$300.00} in additional fees based on their first fee. Since the deposit was not able to be made, the merchant provider closed our account on their end, perpetuating the problem. When I contacted XXXX XXXX XXXX XXXX, branch manager XXXX XXXX from the XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX. Phone number XXXX, apologized and stated he would rectify the problem. He would make the fees go away and reopen the account. What he did was submit the fees as a charge off to the Chex system which taints our business record and makes us unable to open any other accounts. He never informed me that we were to be further blindsided by his ineptness at dealing with this issue. 

Upon discovering this in XXXX, I have made more than 30 attempts at contacting him and fixing this issue. No one answers the phone at the branch. XXXX. So I am unable to leave him a message or contact him. I am an hour and a half away from that location so I can not just drop in. I have made phone calls to XXXX XXXX XXXX XXXX XXXX number and they eventually are able to go through some back channel and get someone at the branch to answer a secret phone line. Us lowly customers don't have access to. Upon doing so, he of course is never in the branch. He's the branch manager but he's never in the branch. I was finally able to get one return phone call from him and he promised he would fix the issue 3 weeks ago from today XXXX. Since that day, I have made a plethora of phone calls and emails and he returns none of them. At this stage I have so many dozens of hours vested in this and the stress associated with it that it has become a very substantial issue. And of course, I've been unable to open the initial account that made me realize their mistake in the first place. This has become a very, very serious issue and he knows this, yet refuses to fix it in spite of stating multiple times that he would. This has rapidly become the most inept bank I've ever had the misfortune of dealing with. And I had been with them for 35 years to this point. Something has changed and people need to be aware of it.
Product: Mortgage

Mother in law got a reverse in XXXX. Lender says she missed paying property taxes in XXXX sent a letter stating her house would be sold on XXXX XXXX, XXXX, sold her house on XXXX XXXX, XXXX XXXX never came after us for taxes and she did pay them. Any docs that may help I can send as soon as I hear back from you.
Product: Checking or savings account

Received three emails from Wells Fargo on XX/XX/2022 regarding a new checking account that they say I opened with them. I immediately called them and told them I did not open an account and they said they would shut it down and that there were not any transactions on the account. Since XX/XX/2022 I have received additional E-mails from Wells Fargo about different services with my checking account and a reminder that if i do not deposit funds they will close the account. I stopped by a local branch and they say they do not see I have an account. Tried calling their fraud department to see why I am still receiving E-mails from them. Waited on hold for over an hour before hanging up. I am concerned they opened an account for me that I did not request and concerned they have not taken the steps to turn off e-mails regarding this account they say was closed.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability & Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is XXXX  and as follows : Validation of Debt and HIPAA authorization or delete account from my profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank was informed that I was selling my house and they were going to receive the full payment of the HELOC, however, they didnt provide an on time pay off letter and asked me to stop by a branch in order to get it, when I work and I cant leave my job by the time theyre open. When the title agent/attorney finally got it. They didnt want to close the account since I had to stop by a branch in order to do it myself. I have XXXX HELOC and none of the other XXXX asked me to do such thing. The closing of my house fell off due to this and another thing. And the account when past due. I called them and asked them to please give me a time to put the money together since I spent a lot of money in the closing of my house. They told me they were giving me the time to prevent my account to be reported as late. By the time I was in the phone with them, they reported my account late 30 days and I saw it in my credit report alerts. Immediately asked for a manager in order to fix this issue and I was denied to have a manager on the phone since they were available. I processed the payment and ask them to remove the report understanding that it wasnt my fault about the fall of the closing on my house and that the 30 days late report was going to affect me financially. Being not my fault and the agent understanding we agree that they were going to submit and claim in order to be reviewed and erase. I has never received such claim and when I called nothing was open. They lied to me and I asked the last agent to open a claim a let the manager listen to the conversation with that agent where she promised me to remove the report and to open the claim she never opened. I need to removed this late payment since it is affecting my life very hard and I already submitted the payment. Plus I need to make her responsible for what she promised me. 
Their app is useless since I couldnt check the right balance and the information required plus it doesnt allow you to do much. Totally useless Thanks for your cooperation and help with removing this late payment from my credit report XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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. 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 findings indicate that Zelle not only neglected to protect consumers but has allowed repeated 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, 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. 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, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters  out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion Credit Builder plus loan. I paid MoneyLion {$20.00} a month to access their credit builder plus loan so I can repair my credit. They wouldnt let me cancel unless I paid off the loan which is basically like Im paying myself. I uploaded two bank accounts, and they charged the one with no money in it. I called to fix the issues and get the payment deferred to the end of the loan, the customer service person said yes everything will be fine it wont reflect as a missed payment. ( On recorded line ) This was for XXXX end of month payment. Furthermore I paid the payment for XXXX. Then come XXXX end of month I look at my account and its been put in collections because I missed a payment. They didnt communicate or try to reach out to me about this. I called them again to fix these issues and the lady said that a high level representative would reach out to me within 24 hours. Still havent got a call and they want me to pay them {$10.00} to close out the loan? I feel like the just screwed me over and took my {$100.00} in membership fees and they {$89.00} I was paying monthly for the credit builder loan.
Product: Bank account or service

We wrote a check for our rent in the amount of {$1400.00}. When it finally went through, Wells Fargo had changed the amount to {$1700.00}, sending the account into overdraft. We have spent over four hours on the phone over two days trying to get them to rectify the error as overdraft fees accumulate. They refuse to allow us to send them proof of the mistaken amount ( a scan of the check provided by our leasing office ), or reverse the error so that my wife 's account can be positive again. In addition, they keep insisting she needs to call them again the next day or wait for their call, which is nearly impossible because she works XXXX for XXXX straight hours and is not allowed to go have an hour long conversation while at work.
Product: Credit card

I rented a vehicle from a rental car company and was charged XXXX for a deposit. The paperwork I received and the paperwork I provided navy federal show that. The deposit unbeknownst to me was billed as a charge. I returned the car in the drop off and I did not receive any paperwork showing no damages but the vehicle was not damaged and was returned with a full tank of gas. I tried to reach out to the company and was provided an email address to send complaints or concerns and there was no response. I informed my bank of the fact that the company charged this and they did not accept nor review evidence and refused to reimburse my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo re-aged a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.
Product: Debt collection

I told them I have XXXX and not XXXX and someone stole my purse and may have used my social to sign up for service with them. I asked for debt validation documents and they never sent me anything. I have disputed with the credit bureau and they don't remove it.
Product: Credit card or prepaid card

I CLOSED THE ACCOUNT TWICE AND PAID THE FULL AMOUNT DUE AND THEY CONTINUE TO KEEP THE ACCOUNT OPEN AND CHARGE ADDITIONAL FEES. THIS IS FRAUDULENT PRACTICE AND NEEDS TO BE INVESTIGATED. MANY PEOPLE HAVE THE SAME ISSUE WITH AMAZON 'S CC SYNCHRONY AND YOU CAN NOT ANY RESPONSE ALSO FROM THEI CORP OFFICE AS WELL. THEY JUST IGNORE ALL AND CONTINUE TO SEND STATEMENTS.