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

I received an email alert from XXXX XXXX providing me with notice of a hard credit -Credit Inquiry Alert - from XXXX  XXXX XXXX on XX/XX/2022. This was not me. I have contacted XXXX XXXX and XXXX XXXX XXXX. They directed me to Equifax who stated they show there was an inquiry on XX/XX/2022 from XXXX XXXX XXXX. They were unable to provide me with proof of who authorized this hard credit inquiry. This dropped my credit score almost XXXX pts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ name of credit reporting agency ] for violations of the Fair Credit Reporting Act ( FCRA ), which is codified at 15 USC 1681 et seq. Specifically, I believe that the credit reporting agency has engaged in actions that are in violation of sections of the FCRA, including but not limited to : Section 604, which outlines the permissible purposes for which a credit report may be obtained. 
Section 611, which requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request.

Section 611 ( a ) ( 1 ) ( B ), which requires credit reporting agencies to promptly correct or delete inaccurate or incomplete information in a consumer 's credit report.

Section 623 ( a ) ( 2 ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information in a consumer 's credit report. 
Additionally, I want to bring to your attention that the following addresses are non-mailable addresses and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX I have not authorized any person or entity to request or obtain a credit report for these addresses. Therefore, any information related to these addresses is a violation of the FCRA. 

As a result of these violations, I have suffered damages, which may include but are not limited to : [ describe the specific harm you have suffered, such as lost job opportunities, denial of credit, etc. ]. I am therefore seeking monetary relief for each violation of the FCRA, including actual damages, statutory damages, and, if applicable, punitive damages.

I have attempted to resolve this matter directly with the credit reporting agency, but have been unable to do so. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agency complies with the FCRA, removes the non-mailable addresses from my credit report, and obtains written consent from me before releasing any credit report information for any future addresses.

I have attached documentation supporting my complaint, including copies of my credit reports and any other relevant correspondence with the credit reporting agency. 

Thank you for your attention to this matter.
Product: Checking or savings account

I went on to chime to transfer a payment that my nephew sent me. I tried to transfer but mistakenly transferred money from my XXXX XXXX to chime instead of transferring the money my nephew sent me. It would not let me transfer the money back or the funds from my nephew without a chime card.i phoned the company, and was told to dispute the transfer with XXXX XXXX XXXX, and to replace the card to transfer the other amount. I did just what he advised me, and went into the chime site when I got the card to transfer the money still in the chime account into my credit union account. When I attempted to sign in it said my account was closed, and to call customer service. They said they wanted a copy of my bank statement, and my State ID front and back. I dont feel comfortable doing that, and was told the money will not be released unless I do that. I thought I would reach out to you guys to maybe get the issue resolved. Thank you!
Product: Credit card or prepaid card

This is my second complaint about the same thing. American Express Serve card. 
Complaint number : XXXX The letter answering my complaint talks about a {$1000.00} request for withdrawal that was against their policy. I did Not see any {$1000.00} on the statements they sent and I have No record in my bank accounts of {$1000.00} deposit to XXXX or reverse. How do they know it was n't a scam/fraud on my account? And They never asked me. They closed my account so I could n't look at it. It concerns me that someone used my account since XXXX stated the transaction was complete.
Product: Debt collection

On XX/XX/2020 SMITH, COHEN & ROSENBERG ( XXXX XXXX XXXX AZ ) reported on my credit that I owe a debt of {$3000.00} and placed it in collections. This is not my debt, I do not owe any debt, I have not used their services. This does not belong to me.I have disputed this through XXXX  4 times and the results are XXXX  investigated your dispute but did not change your information Also spoke with someone from Smith , Cohen & Rosenberg 2 months ago she said she is going to remove the account and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction : ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

So, if the ( consumer report ) does not include transactions or experiences where does late payments and utilizations come from? 

On XX/XX/2022 I Sent a letter to the Credit Reporting Agency requesting investigation on all Late Payments appearing on my credit file and sent it Certified, Return Receipt Requested. 

I have a letter from the USPS indicating said dispute letter was received by them on XX/XX/2022 They are clearly in violation because, as of today 's date I have not heard from them and when I call they seem to be giving me the run around. 

They have not investigated nothing and it's well past the 30 day period allowed by Federal Law.

Aside from that, as per the above Law sited, late payments should not even be included in a consumer report. 

In any event, as of now they are in clear violation of my Federal Consumer Laws.
Product: Checking or savings account

Claim # XXXX I disputed unauthorized charges from XXXX. Wells Fargo refunded me {$120.00} on claim # XXXX but collected {$190.00} from XXXX. 
I discussed the claim amount charged back from XXXX with XXXX. XXXX stated that a total of {$190.00} was indeed charged back from my account to Wells Fargo. 

Wells Fargo collected a total of {$190.00} from XXXX but only refunded {$120.00} to my Wells Fargo account. Per XXXX, Wells Fargo is holding the additional {$70.00} difference. 

I am seeking my full refund - the additional {$70.00}. 

I've spoke to and emailed XXXX XXXX on XX/XX/XXXX and on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts with XXXX XXXX on my Equifax. The original creditor is XXXX XXXX. These accounts are reporting as open. A collection agency can not report as an open account with past due. I disputed this several times with no resolution other than saying the debt is valid. They are breaking the law as they are NOT a lender and can not have an open trade line. 

Second, those same two accounts are being reported by XXXX XXXX on my XXXX  even though they sold the accounts to XXXX XXXX. Imdiaulyed this as well for reporting twice for the same credit line but again, it only comes back As verified.
Product: Credit reporting or other personal consumer reports

CFPB Complaint FCRA 611 Violation : TransUnion Refusing Legitimate Dispute Your Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Company Youre Complaining About : Name : TransUnion LLC Address : XXXX XXXX XXXX, XXXX, PA XXXX What is the issue? 

Problem with credit reporting refusal to process a valid dispute Who submitted the incorrect information? 

A lender or creditor ( XXXX XXXX XXXX XXXX ) What happened? 

On multiple occasions, I submitted a formal dispute directly to TransUnion regarding inaccurate and damaging information reported by XXXX XXXX XXXX XXXX. This included certified legal notices, FCRA 611 and 623 letters, identity documentation, and full supporting evidence. Despite this, TransUnion responded by stating that they did not believe the dispute came from me and refused to process it.

I am the rightful consumer and did not authorize any third party to submit this on my behalf. Their refusal to investigate violates my rights under FCRA 611 ( 15 U.S.C. 1681i ), which guarantees every consumer the right to submit a dispute and receive a reinvestigation. 

XXXX failure to act on a legitimate, documented dispute based on an unsubstantiated assumption is a willful violation of federal law and deprives me of my rights to accurate credit reporting. 



What resolution are you seeking? 
Immediate reinvestigation of the XXXX XXXX XXXX XXXX XXXX Full disclosure of the method of verification Written explanation of all procedures used in their refusal Correction or deletion of inaccurate information Sanctions for failure to comply with FCRA 611 Ongoing monitoring for continued violations Supporting Evidence ( to upload in the CFPB portal ) : Dispute Investigation Response from TransUnion Certified Mail Letter to XXXX XXXX Screenshot or PDF of current credit report showing XXXX tradeline Copy of FCRA 611 and 623 dispute letters Proof of ID and address ( drivers license, utility bill )
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this error for almost a year. 
The account is being reported incorrectly. They state they got the information from XXXX which is frozen and can not release any information without my approval. 

The courts also stated they did not release this information to the bureaus so theyre stating they verified this. but they could not have verified anything.
Product: Vehicle loan or lease

This account has been placed on my credit report and I have no knowledge of it Ive reached out to the agency for validation and they have yet to validate this account with my wet signature Im asking for it to be removed from my credit report being that it is showing negative account thats closed on my credit report
Product: Debt collection

Mountain Land Collections called on XXXX XXXX. They stated I had a debt of XXXX dollars outstanding from a visit to the hospital on dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for the name of the hospital but all was given was a nurses name of XXXX XXXX XXXX. Asked for more information on the debt since I have insurance and have no record or recollection of every going to the hospital on those dates. Ended call after they verified the last 4 of social.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule XXXX XXXX hearing for failure to prosecute. 
On XX/XX/XXXXXXXX XXXX XXXX  by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule XXXX XXXX hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana XXXX XXXX, the Indiana XXXX   XXXX XXXX, and the Consumer Credit Bureau for perjury and violations of the FDCPA.
Product: Credit reporting

XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit card or prepaid card

A credit card for Nordstrom was opened by someone posing as me. I became aware of it when it appeared on my credit report. I reported it to XXXX, but they told me but they denied my dispute. Now the person that has opened the account has not paid and it is negatively impacting my credit report.

I need to get this rectified and the Nordstrom card taken out of my name. There isn't even a Nordstrom store anywhere near me. The delinquent amount is {$440.00}. Looking for help in rectifying this situation.
Product: Mortgage

I filed an application with Chase for a loan modification due to a hardship in the in the family. All papers were filed appropriately and the " results '' were to see a very little reduction in my payment.
Product: Credit reporting or other personal consumer reports

At the end of XX/XX/2023 I started to fix my credit report. Checking to my sure everything is accurate and looking to see what can be removed. As I examined my report I see that there is a bankruptcy on there. So I reached out to all 3 credit bureaus asking them to check the accuracy of the information. XXXX responded back with a deletion. XXXX and Experian responded by saying the information was accurate. So I then reached out to the source of the information reported. The source responded with a written statement saying. They DO NOT report to any credit bureaus therefore the information is a lie/inaccurate and should be deleted from my credit report.
Product: Debt collection

On XX/XX/XXXX AR Resources hit my credit with collections on two separate accounts one totaling {$1100.00} and {$880.00} stating that XXXX XXXX XXXX XXXX is the original creditor however nothing about the account including balance and open date is correct. Also, the bill I had with XXXX XXXX XXXX XXXX has/had been bought and transferred to XXXX XXXX XXXX that I have made payments to. I recently received a letter stating XXXX XXXX has transferred the loan back to XXXX and it is on an ACTIVE payment plan that is NOT past due and NOT late. I am requesting this be removed from my credit immediately as this should not have been put into collections. No letter, email, or phone call has been received from XXXX XXXX or XXXX XXXX XXXX XXXX stating ownership of this bill has changed. I am also ( and prevouisly requested from AR Resources in a XXXX XXXX XXXX complaint to which they have not responded ) requesting an itemized report showing original open date of the account, original amount, and then payments that I have made both to XXXX XXXX  XXXX XXXX and XXXX XXXX reflecting on the current balance.
Product: Credit reporting or other personal consumer reports

Please remove these Inquiries from my credit report ASAP The inquiries are follows Please be mind full I don't authorize any of this INQ. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My husband and I tried to purchase this home but was told we needed a co-signer to get a better interest for the home or pay a larger down payment. My mother in law had perfect credit not one blemish. They put the mobile home in her name and me as the co-signer. It suppose to been for one year. They wouldnt take it out of her name after the first year and learning later that we were charged the highest interest rate. We have had ups and downs with payments through life, health and other endeavors. We owe just as much now on the mobile as the beginning over 18 years ago which is contributed to that misleading interest rate on a perfect credit score. We also found out that the insurance over the years were financed in with the note resulting in this high payoff. Our account number as always been the same for the last 18 years. We received this letter with the change of account number as well as a different way to start paying the insurance separately. If this was done in the beginning .... 
with paying the insurance separate, our payoff would be different and it would have dismissed all of that interest. I received an email about an inquiry that I suppose to submitted on some concern or matter but I havent submitted anything to Ditech about a concern. Here is our original contract, a copy of our new account number and insurance payment options and the email suggesting that I inquired about something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report & learned my Macys credit card was charged off. 15+ years ago I added my daughter as an Authorized Signer. She subsequently charged on this account and stopped paying, resulting in charge-off. As the owner of the credit card, had I been informed account was delinquent, I could have prevented balance from escalating, & could have removed authorized signer status, & prevented charge-off, & negative credit r. When I contacted Macys to inquire they stated my daughter was a joint account holder. I at no point added her as joint account holder, and she did not sign application for credit. Macys is unable to provide me copies of documentation confirming joint versus authorized signer status. I no longer have this documentation due to a house flood. If Macys can not provide documentation, I would like the account removed from my credit report, and am willing to pay the balance owed when the account became 30-days past due. Had I been aware of delinquency at 30-days, future charges could have been avoided, and I would have removed my daughter from the account. I feel I have been harmed because Macy 's inappropriately changed type of ownership on my account, and can not provide documentation to support the change. 

Thank you for your consideration. 

Kind regards, XXXX XXXX
Product: Debt collection

This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$450.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Money transfer, virtual currency, or money service

A check was sent to me but to my parents house in XXXX XXXX it was dated for XXXX XXXX. My Parents are retired military and do a lot of traveling so by the time I got the check it was voided the amount was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE I WAS ON DUTY IN 2014 SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE XXXX XXXX IS NOT MINE, WAS NEVER MINE, I NEVER OPENED THE CARD, PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. AGAIN, I WAS SERVING MY COUNTRY SOMEONE WAS ACTING FRAUDULENTLY ON MY BEHALF. THE CHARGES ARE NOT MINE, IF PAYMENTS WERE MADE WERE NOT MINE, PLEASE REMOVE THIS FROM MY CREDIT RPEORT. THANK YOU
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, CA XXXX Incorrect Name : - XXXX XXXX
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 loss funds was impossible, and that tracking these transactions was unfeasible the CFPBs 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.