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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2100.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Tonight I received a phone call at XXXX from a person who identified themselves as a Bank of America representative from the phone number ( XXXX ) XXXX ( which when called back reroutes to Bank of America ) immediately after receiving a text message about a fraud charge on my account. See text messages attached below. 

I immediately received a phone call from the Bank of America impersonator, who told me about fraudulentcharges on my account, including a wire transfer. The person then said I had to send a XXXX payment to reverse the wire transfer from my account. He said the wire transfer was made to XXXX XXXX in XXXX, NC. He said they made a charge to XXXX while we were on thephone. This person had me confirm the XXXX transfer through textmessages, and set up a receiving account in my name with my phone number. I read them the ID code. 

See text messages attached below. 

I did not understand the process, I asked him to tell me how it worked multiple times and asked him to reverse the {$120.00} transaction before I sent the bigger one. I asked to speak to a supervisor. I asked him to explain how the reversal would happen exactly. I now realize he did not really have any answers to these questions. 

I have been on hold for over two hours and all of their call centers are down now, I haven't been able to reach a person despite their website sayingfraud support is available 24/7. I lost {$3500.00}. Please, please help me. I am terrified and need that money.I finally got another person on the phone after calling another number and XXXX support will not connect.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I was a victim of fraud. A Man pretending to rent me some property but instead he scammed me out of my money and a lot of personal information. I have made police reports and this is being investigated. While in the process this person has been trying to apply for things in my name. I reviewed my credit report and have notice some hard inquires that I did not authorize. I have learned to freeze my credit since this experience. I have been building my credit, while repairing it so This has effected my score terribly and since has put 12 new hard inquiries to my report. I would like these removed immediately These inquiries are unauthorized
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 : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX and 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: Debt collection

On XX/XX/year>, I sent a validation letter to General Revenue Corporation. Before this debt appeared on my XXXX credit report, I was never notified about it. I wasnt given the chance to dispute it, and I don't recognize the debt they're trying to collect. This company is not following FDCPA and FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair crediting scores. Credit companies like XXXX  and Transunion rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored XXXX points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report potential violations of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act concerning an account originally opened with XXXX  XXXX on XX/XX/XXXX. This account shows a debt of {$610.00} with a stated term of XXXX month, which is inaccurate. 

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Furthermore, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Additionally, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete.

I have attempted to discuss the payment discrepancies with the debt collector, but they had no answers for me. Furthermore, I have noticed discrepancies in the reported payments, specifically an inaccuracy in XX/XX/XXXX, where there is no data provided. This raises concerns about the validity of the debt and compliance with the aforementioned laws. 

I request that your office investigate this matter and take the necessary steps to ensure that my rights are upheld.
Product: Credit reporting or other personal consumer reports

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 has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And According to the fair credit reporting act 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 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 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. and according to 15 USC 1681 s-2 they suppose to not furnish any information relating to a consumer to any consumer reporting agency if the personknows or has reasonable cause to believe that the accounts inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial ( hereby referred to as Ally ) has violated my federally protected consumer rights by illegally reporting my nonpublic personal information ( The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution ) to non-affiliated third parties ( XXXX, XXXX, XXXX ) they are in violation Pursuant to 12 CFR 1016.10 Limits on disclosure of nonpublic personal information to nonaffiliated third parties ( a ) ( 1 ) ( i ) ( ii ) ( iii ) and ( 3 ) and ( b ) ( 1 ) and ( 2 ) and 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods et seq, 15 USC 1681a Definitions ; rules of construction ( 2 ) ( a ) ( 1 ), and 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ).

Ally does not meet the requirements to report nonpublic personal information as defined by 12 CFR 1016.13 et seq, 1016.14, et seq and 1016.15 et seq Which are in accordance with 15 USC 6801 et seq, 6802 et seq, 6803 et seq by reporting to these non affiliated third parties without my written consent or without providing me a notice to opt out even after receiving notification of the aforementioned violations and others on XX/XX/2023 by certified mail # XXXX XXXX XXXX XXXX XXXX. 
No where in the Retail installment sale contract does it state that Ally may report anything to these non affiliated 3rd parties. 
Ally has also violated Truth-in Lending Act pursuant to 12 CFR 1026.4 Finance Charge ( a ), 12 CFR 360.6 Treatment of financial assets transferred in connection with a securitization or participation ( a ) ( 2 ) et seq, since the inception of the account which is defined under 12 CFR 1002.2 et seq as an extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth-in-Lending 12 CFR 1026.2 which they were also notified of on XX/XX/2023 as of today XX/XX/2023 Ally has not corrected the situation which constitutes a Breach of fiduciary duty for failing to exercise care in carrying out duties pursuant to UCC 3-307 and 15 U.S.C. 1681n - Civil liability for willful noncompliance. 
Ally has failed miserably to protect my nonpublic personal information on seven ( 7 ) separate occasions and has done damage to my credit on seven ( 7 ) separate occasions and failed to send notice to opt out on seven ( 7 ) separate occasions this has caused me unnecessary mental stress with their refusal to correct the aforementioned violations and identity theft, that shows a blatant disregard for the laws and my right to privacy which should have been protected at all costs by Ally and not sold to these non-affiliated third parties.
Product: Checking or savings account

I am unable to link my PNC account with 3rd party accounts ( rent collection websites, etc. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest company has never removed the late payment that was placed on my accoount but I'm submitting this letter because of covid i Fell behind on one payment.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit card or prepaid card

I received an alert from XXXX indicating that they have blocked an inquiry made to my credit report with the intention of opening a new credit card. The company listed was ComenityCBXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Ohio XXXX Obviously this was an attempt at identity theft. I was lucky to have previously placed a lock on my credit report through XXXX so the identity theft was blocked. Im concerned with what else can happen knowing that someone out there has my information. I called comenity and was transferred to the fraud department- was on hold for over 45 min before giving up and disconnecting the call.
Product: Debt collection

Recently I reviewed one of my credit reports and noticethere were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to theprovisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed itemsmust be investigated or deleted from my credit record within 30 days. - XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Checking or savings account

Capital One has not deposited my paycheck into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to XXXX and Affirm regarding a balance Ive been trying to pay since 2018. Every time I call Affirm Im told theres no balance but XXXX is reporting I owe {$100.00}. I have asked XXXX on many occasions to remove this account and they have failed to do so. I just called Affirm this evening and spoke with XXXX she stated theres no balance on the account I said according to XXXX I owe {$100.00}. I said please let me pay this so this account can be zeroed out and removed from my credit report. This creditor is refusing to accept payment and XXXX is refusing to remove this account. Its been over 5 years Ive been trying to get this cleared. Just removed the account you are reporting an account with no balance per Affirm. I have XXXX saved phone recording and conversation with Affirm. If XXXX doesnt remove this account Im taking legal actions this is ridiculous. This violates the Fair Credit Reporting Act. Come on now
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX Credit Reporting Agency about a collections on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX for Virginia GAS from what I read on the report. I have not live in Virginia for 5 years while stationed in XXXX, XXXX from XXXX to XXXX and now in XXXX XXXX on XXXX XXXX XXXX XXXX XXXX. I do not have an active account with any services outside California except with XXXX XXXX mortgage for my home in XXXX XXXX which has an active tenant living at this residence name XXXX XXXX. XXXX  and Transunion will not let me report this fraud or activate a freeze without buying a product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Student loan

In early XX/XX/XXXX I was informed by my student loans servicer, XXXX XXXX XXXX XXXX Wisconsin that they would no longer be servicing my loans and that Nelnet would assume the servicing of my loans as of XX/XX/2018. XXXX XXXX advised me that if I wanted to make additional payments on my loans I could still make it to them up to XX/XX/XXXX. I asked XXXX XXXX if I could pay off the smaller of my two loans in the total {$2700.00} and they advised me I could ; and that pay off information would be provided to Nelnet when the loans transferred. XXXX XXXX advised me to contact Nelnet and I did so in early XX/XX/XXXX. Nelnet acknowledged that the loan had transferred but that they did not see a pay off for the smaller loan. However, there still outstanding files to be transferred and I should contact them again later in XX/XX/XXXX. On XX/XX/XXXX I signed in onto my Nelnet account and discover that there wasn't any information about my pay off of the smaller loan. My account was still showing two loans, both at 3.75 % interest rate. I called Nelnet and the representative that took my call informed that thee wasn't a pay off of the small second loan. I protested and she put me on hold twice while she investigated. At the end of the second hold, she informed that they had received a payment for {$2600.00} which had been applied to the balance of the larger loan ( for my son ) and that there hadn't been any notes to apply it to the small loan second loan. I vehemently protested that I had explicity and lenghty discussion with the XXXX XXXX rep that these monies were to pay off the small loan. Nelnet rep then said she contact acounting about reversing the payment but would not guarantee it would be done. I live on a fixed income and these monies were gifted to me at my XXXX   birthday for a trip around the country. I chose instead to get rid of the small loan and its onerous interest rate. Yet Nelnet decided that they do what benefits them without regard for my intents. They are thus holding me in financial bondage and making it more difficult for me to meet the payments on both loans. I implore your good offices to intervene and have Nelnet correct this malfeasance on their part. Most sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my account over a year ago. The company fortiva called me to say I still own them money, after their internal investigation, they decided I do not own them a dime. But yet they keep calling. 

So late month in XXXX, one of their reps said i still own {$1.00} for membership. I told me I was not aware that i was a member since my credit appication was from XXXX XXXX XXXX. To avoid the harrasment of calls, I paid the {$1.00} via my bank account. 

I pull my credit report today and they report me as late, which I was never late, my business with them was complete as off XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting Experian to verify this information with XXXX XXXX services. 

I am also asking Experian to verify XXXX authorized users policy which states : XXXX  reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible and irreversible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Student loan

I was having some financial difficulty in the summer and fall of 2019 due to some natural disaster issues with my crop and property, tariff wars, etc ... Insurance covered the losses, but it was taking time. When I spoke to my student loan servicer about late payment they explained that late payment was not going affect my score. When I checked my credit report, two late payments are showing. i called the company to explain the urgency of a refinance and they said there was nothing they could do. I tried to talk to their credit department, but was told they don't accept calls. I asked to speak to management, waited on hold for quite some time, until I was told a manager would return my call, but I never received a return call.