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

This issue of incorrect account reporting has been ongoing with Freeway Funding INC as this is my second CFPB claim against them regarding the Account Number : XXXX that pertains to the Vehicle : XXXX XXXX XXXX XXXX XXXX. I've recently file my intial CFPB claim against them in XX/XX/XXXX because they repossessed the vehicle nearly a year ago, report the account to the credit bureaus as closed and repossessed ; but, was still reporting monthly late payments and blance updates that ended up totaling over {$8000.00}. Before filing the my first CFPB claim against Freeway Funding INC, I wrote to them several times wanting verify information about the vehicle, the account, and the reporting of the account. Namely, why they were continuing to report late payments to the cresit bureaus on a nearly one year old closed repossessed account, and the details on the selling of the car that they hadn't disclosed to me as I found out they sold the vehicle at an auction in XX/XX/XXXX via a records search company but Freeway Funding INC was reporting the aforementioned anyway which continued to damage my credit. Only after I filed my first CFPB claim against Freeway Funding INC did they disclosed that they sold the car, then applied the proceeds they received to the over {$8000.00} balance they wrongfully increased to over the period they were reporting late payments on a nearly one year old repossessed car and closed account, then changed the reporting of the account to a Charge Off for the amount of {$1500.00}. The issue continues now is Freeway Funding INC is now reporting late payment updates of {$6.00} on XX/XX/XXXX and {$14.00} on XX/XX/XXXX on a written off Charged Off account. This reporting behavior by Freeway Funding INC is frivolous, intentionally erroneous, and is intentionally damaging to my credit and quality of life. The vehicle was repossessed nearly a year ago, they reported the account as closed and as a repossession, sold the vehicle, reported the account now as a Charge Off and Written Off ; and, they are still reporting late payments and balance updates as shown in the attached images to this report.
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 and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) (  D ). The following account is listed below : XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, Receivables Performance # XXXX.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year>
Product: Credit card or prepaid card

I opened the account through XXXX with Synchrony XX/XX/2017 and at the time the credit line was at {$1200.00} and I made a purchase at {$640.00}. The bank later came and down my credit limit down which put me in default and over drawn. I paid the card and never used since that time. A few weeks ago I got a letter from Synchrony that they closed my account due to bad credit. I never applied for an increase in credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed on XX/XX/XXXX a late payment that is currently listed on my Experian credit report, They reply was " not able to honor my request ''. I previously disputed this information with the agency back in XX/XX/XXXX, and it was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. 
The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being 30 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. 
The continued listing of this late payment despite previous investigation suggests that Thier procedures have not been adequate in this case. 
I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to XXXX XXXX
Product: Debt collection

CommonWealth Financial is falsely reporting on my credit reports in the amount of {$270.00} account # XXXX and its stopping me from obtaining credit. 

* Were you named on the original contract with the original creditor? 
* If not, do you have a contract between your company and me, signed by both parties? 
* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving your information to a 3rd party without your knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

The Maxim of Law - Silence Equates to Acquiescence ( Agreement ) states that if you don't address even one item as requested, you agree that my statement of fact is true. It is part of my full disclosure to you that I require a response and lack of receiving what is requested or demanded from you proves I owe you nothing.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX 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

XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security XX/XX/XXXX DISPUTED A BK THAT ISNT MINE APPEARING TWICE returned as VERIFIED with XXXX XXXX ... XXXX XXXX had NO BK for my Social Security
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Concerns Regarding Identity Theft and Consumer Reports Dear CFPB Representative, I am writing to bring to your attention a serious issue concerning the use of my personal information by TransUnion and the implications of identity theft under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S. Code 1681b and 1681c1.

It has come to my attention that my identity may have been compromised, leading to unauthorized use of my consumer report for employment purposes as outlined in 1681b. This situation raises significant concerns about the security and integrity of my personal information. 

I would like to remind you of 1681c1, which allows for the initiation of one-call fraud alerts. Upon my request, I expect that TransUnion will include a fraud alert in my file for no less than XXXX year and provide this alert with any credit score generated from my file. Furthermore, I request that any extension of this fraud alert be communicated to other consumer reporting agencies as required by law. 

Additionally, I would like to ensure that TransUnion is promptly notifying any information furnishers of the identity theft report I intend to file. Protecting my personal information and ensuring that any fraudulent activity is addressed swiftly is of utmost importance to me. 

I appreciate your attention to this matter and look forward to your guidance on how to proceed with protecting my identity and addressing any unauthorized use of my consumer report. 

Thank you for your assistance. 

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

I had sent an email to XXXX  requesting information today XX/XX/XXXX very early in the morning when I couldnt sleep. I stated that I am interested or want to apply for their Card with Rewards but wanted to know if they did a soft pull or hard pull on your credit report and then if it was a soft pull would it be a hard pull once I actually applied. The first email they sent explained that I recently checked rates on a partners site but that they couldnt provide me with a loan because. Well the first listed too many requests and my credit report doesnt list any hard pulls so they must be talking about soft pulls which doesnt effect my credit score. I never applied for the actual card and so I called them and they even have an old address listed so this mornings denial was using an old application and I did not approve of. I know soft pulls dont hurt credit but this seems to have hurt my chances with them and in fact another reason was too many revolving accounts and too high of balance on those accounts. When I called he also said I must have applied because they wouldnt do that with an email. But they did and then AFTER the call at XXXX they sent the email actually responding to my email. So I know in fact they put through an inquiry without my permission and XXXX- I never fully filled and hit accept on any application with them today ; 2- it was incorrect information regarding accounts I currently have ; 3- wrong address which I know I wouldnt have typed in ; 4- I want no inquires if possible unless I know I will for sure get it now that I know soft pulls can also be seen. I have now locked my credit report ( as of tomorrow ) but dont want you not to have access so I this is an official dispute with Upgrade and they wouldnt even listen or inquire why or how this application supposedly appended so I am writing to you. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the above references are fraudulent inquiries. 

Section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on the consumers credit report if consumer claim it was a result of identity theft create a report of agencies must block information within four days of receiving this information Failure to respond with deletion of the above reference accounts and send out a free copy of my credit report will result in legal action being taken against your company for which I will be seeking 1000 per violation for : Definition of character Neglect enablement of identity fraud Section1681EB of the fair credit reporting act Section 605B of the fair credit reporting act
Product: Credit reporting or other personal consumer reports

These people ( Equifax ) are giving me the run around. I asked them to give me my credit report. They say I don't have a file????? I found out On XXXX XXXX XXXX a lot of information about me. Basically, the information on me was taken from my mother 's report.They used a credit card from my mother file and put it in my file.And what is so ridiculous her credit card collection goes back to XXXX have no credit card balances. My bank did a credit report on me and came back fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my student loans consolidated through FedLoan. TransUnion originally reported all of the Dept of Ed/Navient loans consolidated into one FedLoan. A month after consolidation, 5 of the Dept of Ed/XXXX  accounts are now showing independently on my XXXX  profile reflecting different amounts of : {$7500.00}, {$5900.00}, {$5000.00}, {$1800.00}, and {$1400.00}. Ive reached out to FedLoan and XXXX about the accounts being consolidated as they originally were but the issue has yet to be fixed. My student loans should being showing as ONE and not 6. Please resolve this issue IMMEDIATELY.
Product: Credit card

I requested my bill date to change to the end of the month. Upon doing this, I was notified it would take 1-2 billing cycles to take effect. I currently have a bill due on XX/XX/XXXX. Upon logging into my account it states I also have a bill generated on XX/XX/XXXX, due on XXXX XXXX. I called chase and spoke to a manager on XX/XX/XXXX at XXXX XXXX  PST and was advised that this is not normal, should not have happened, and would be adjusting the due date to XX/XX/XXXX, to allow proper time to receive the bill in the mail, and have a min of 21 days to pay it. He was having difficulty making the change, and said he would need to transfer me to someone else to get the change Made. I was cold transferred to the Chase collections team, wherein the agent was not helpful, but rather counseling me on ways to pay the bill due by the XXXX of XXXX. 

I received the first iteration of this bill online, today, XX/XX/XXXX. 21 days from this date is XX/XX/XXXX. Also noting, my due date had I NOT made a change would be XX/XX/XXXX, not even the first.
Product: Debt collection

The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.
Product: Credit reporting

Equifax has a XXXX credit card showing it is OPEN with a XXXX balance. 
They have been sent copies of the XXXX. This should show the credit card as CLOSED with a XXXX balance. Letter from XXXX was also sent reflecting that this is true information. 
My credit score has dropped without explanation with them for no apparent reason.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open XXXX XXXX  account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete reporting of credit accounts on my credit report by XXXX. The following accounts are listed on my credit report as unpaid, despite my making timely payments from XXXX to XX/XX/XXXX : XXXX {$1100.00} XXXX {$2000.00} XXXX  {$3500.00} XXXX XXXX$6000.00} Specific Allegations : Inaccurate reporting : The accounts listed above are reported as unpaid on my credit report, despite me making timely payments from XXXX to XX/XX/XXXX. 
Failure to update credit report : XXXX has failed to update my credit report to reflect the accurate payment history of these accounts. 
Violation of Fair Credit Reporting Act ( FCRA ) : XXXX has violated the FCRA by reporting inaccurate information on my credit report.
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. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 Balance : {$4400.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00}.
Product: Credit card or prepaid card

I have my Bank of America setup for automatic payments, paid from my XXXX XXXX  account. BOA processed 3 separate payments on XXXX. {$5200.00}, {$580.00}, {$580.00} This caused my account to incur overdraft fees. 
I spent 60min on the phone XX/XX/20 with them. They refused to pay the 2 {$37.00} fees. I asked for nothing else to be taken from my account. I also wanted to cancel auto pay. 

XX/XX/20 am another {$580.00} payment was attempted, with another {$37.00} overdraft fee. 
I am on the phone currently with them, as they refuse to pay the 3 overdraft fees. 
Customer service is terrible, phone time is absurd, and I would NEVER recommend this company
Product: Checking or savings account

For the last 2 years I worked with my mother, XXXX XXXX XXXX to move all of her assets into her trust. We were able to accomplish this task mostly without pain except for her US Bank accounts. 
Even though we went together several times, bringing all the required ID and documents, we could only get 1/2 of her accounts into the trust and that was only after her trust attorney intervened, called the bank and gave me an affidavit. 
My mother died on XX/XX/2018. I am her executor and trustee. I was able to get checks for the CDs that were in her trust, however I am getting the run around again for 2 IRA CDs which they claim they can only access through their IRA dept. Again, I gave them the documentation including the death certificate, the will naming me as executor and the trust naming me as the trustee. I was at the bank on XX/XX/18 and was told I would hear something the next day. I didn't get a call on XXXX., so I called for an update. I didn't get a call back but rather a vaguely worded email stating that since the bank that issued the original CDs was an acquisition they would need to get the 'green light ' to disclose the beneficiary information to the banker. I responded asking for an ETA but never heard back. 
If the CDs have a beneficiary, I need to know that so 1 ) we know whether we need to go to probate court because we'll be over the limit if there is no named beneficiary and 2 ) I can tell whoever is the beneficiary to collect and cash in the CD in order to execute the will. 
I will be leaving town for a month beginning XXXX XXXX and would like to resolve this issue before I leave. 
The people I was dealing with at the XXXX IL branch of the US Bank are XXXX XXXX ( XXXX branch manager ) and XXXX from the XXXX Bank. 

Thank you. 
XXXX XXXX XXXX TTEE for XXXX XXXX XXXX Trust