23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On multiple occasions, MS Service of XXXX WY have tried to contact me at work. Not only do they not verify who they are speaking to before they tell who they are, but they have been told on numerous occasions ( the most recent being today XXXX/XXXX/15 at XXXX XXXX ) not to call at work. The women who calls even started the conversation with I know you told me not to call at work so I will be quick. They havent even sent letters or called my home phone, just harassed me at work.
Product: Credit reporting or other personal consumer reports

i have reached out to XXXX XXXX XXXX times prior to the complaint from my work email and personal email XXXX regarding the cfbp issue and error on my credit report she has yet to reach back out. I Have called multiple times to speak with her and they said they were unable to locate XXXX XXXX for some reason not sure please fix this error
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ONXX/XX/2024 REPORT # XXXX.THE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are on my credit report : I am XXXX XXXX XXXX NOT XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$130.00} Status Date XX/XX/XXXX Status UNPAID Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Case/Docket # XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount {$800.00}
Product: Mortgage

As soon as we were impacted from the COVID-19 Pandemic, we reached out to the banks of our loans for COVID relief. 

TCF Bank in Minnesota refused, reported negative marks on my credit and harasses us with calls and emails, including former employers. They even updated their payment website in the middle of the pandemic forcing its customers to re-submit their account information. TCF Bank charged late fees when we were unable to make a payment using their previous system and their new system was down for 2 months ... claiming due to COVID19!! 

We requested in voice mail ( they are not available when you call in ), email and fax ; including providing documentation that is not required by Federal, our State or any other Forbearance plan that can be found. 

In XX/XX/XXXX, we were able to resume payments. However, we are still in an email battle with XXXX XXXX ( Retail Loan Supervisor ) without any relief. They claim " you have to call us and we fill out a form on our end, you can not submit the form yourself ''. This form asks for documentation not required by CARES or other Forbearance. We provided without the call as we can not connect on the phone. 

This is clearly a method to extort late fees from customers. 


Also note, this same bank received almost {$400.00} XXXX in us tax dollars from a government bailout back in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

When the rates lowered last year. I started applying to refinance my home. I spoke with over 20 lenders. Even though my credit score was over 700 and my LTV was 30 %XXXX I was denied over and over again. I spoke to the lenders who pointed out one issue preventing me from being approved. PNC bank had added a comment to all three credit agencies stating " Foreclosure Started ''. I agree that I was late in my payments on several loans due to divorce, however, I made great efforts to avoid foreclosure and bankruptcy. What I learned is those two words " Foreclosure Started '' is treated as the same as an actual foreclosure. I sent a letter to PNC on XX/XX/XXXX asking for this comment to be removed. PNC did not respond. I sent a follow up letter on XX/XX/XXXX. PNC denied my request to remove that comment on XX/XX/XXXX. PNC stated that my home was in foreclosure for 21 days and that they could not remove that comment. I believe this comment was purposely and deliberately put on my credit report to ensure I would suffer seven ( 7 ) years of inability to secure another loan. PNC even admitted that the loan was paid in full including fees. How can I be treated as a consumer who had a foreclosure when no foreclosure ever took place? The loan was satisfied. What reason does PNC have to punish me for 7 years as a borrower? Why is it protocol for every other lender in the U.S. able to deny me credit based upon a comment that doesn't tell the whole truth? I would like the CFPB to assist me in having PNC Bank remove a comment on my credit reports. This simple comment has the same power as an actual foreclosure or bankruptcy by denying me credit for 7 years.
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, XXXX, Equifax 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$27000.00}, XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX bal. {$71.00}. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 # ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I didn't give this company permission to run my credit report.
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 personal credit card account opened at XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$2200.00} 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: Credit card

Approximately 24 months ago, I cancelled services with XXXX and XXXX. Even though I cancelled services with these companies, they charged my Discover Card in XXXX. In XXXX, I called Discover and opened a Dispute for these charges. I also requested a block on my Discover Card, so these two vendors would not be able to charge my card again. Discover completed the Dispute, and both XXXX and XXXX admitted that they should not have charged my card. The XXXX dispute was found in my favor, and Discover put a block on my card so the vendors would not be able to charge my card again. I was surprised that approximately 12 months after this occurred, both XXXX and XXXX charged my card again in XXXX. Combined, the new charges in XXXX totaled {$380.00}. 

I called Discover and issued another dispute for the new XXXX charges. I explained that I had put a block on the card for these vendors, and that I had a dispute in XXXX in which both vendors accepted liability for the charges. I explained that the vendors were not even supposed to be able to charge my card. 

Discover issued a temporary credit to my card for the new XXXX dispute. Then, Discover issued a permanent credit. However, on my statement that I received in XXXX, XXXX, I saw that the Disputed Charges had been reposted to my account. 

I tried to resolve this with Discover but they are unwilling to address the issue. I do not want to be liable for the {$380.00} charges because ( 1 ) I cancelled these services over 24 months ago, ( 2 ) Both vendors admitted I cancelled the services and accepted liability for the XXXX charges, ( 3 ) Over 12 months ago, I requested a block on the account so neither XXXX or XXXX would be able to charge my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX, I spoke with representative XXXX at XXXX XXXX XXXX. She guaranteed me I wouldn't get reported late to my creditors and would document a hold for sometime so I wouldn't get a late payments on my credit report. Even with the momentary pause I still made payments, before the due date. Originally I had a pause on the account because of income loss due to covid, but XX/XX/XXXX is showing on my report. Now, I have months of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX marked as late on my report. I paid each of those months and tried to speak with credit XXXX XXXX XXXX and I'm getting told I will be contacted and I never do. The company has completely stonewalled me. When I've called to try and get my issues resolved I'm being put on hold for hours. These 3payments should not be reported on my credit report as late. XXXX XXXX XXXX has completely ruined my credit and they have a chance to make things right but instead prefer to give me the run around.
Product: Student loan

Navient, steered me toward multiple forbearances ( hardship, Unemployment ) instead of income-driven repayment plans, and provided unclear information. I was also informed that all would count towards status of my loans counted towards the PSFl.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX VA ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit card or prepaid card

There was an unauthorised transaction of {$2000.00} with a merchant ( XXXX XXXX XXXX in XXXX ) on XX/XX/XXXX. I disputed this transaction with my US credit card company. The dispute was resolved against me in XX/XX/XXXX and I made the payment. My credit card company resolved the transaction as valid. 

I approached the merchant recently in XX/XX/XXXX and learned that the merchant does not have my payment. The merchant bank made a permanent debit to the merchant due to insufficient documentation, this means they resolved the transaction as invalid. The merchant bank opened an investigation and confirmed that they credited the card holder account ( my account ) on XX/XX/XXXX.

I shared the above information with my US credit card company in XX/XX/XXXX. They sent a letter on XX/XX/XXXX which says - " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 

Summary : -- -- -- -- -- -- - 1 ) The transaction happened on XX/XX/XXXX for {$2000.00} 2 ) I disputed the transaction in a week but it was resolved against me in XX/XX/XXXX and I made the payment.

3 ) Approached the merchant in XX/XX/XXXX and found that they do not have my payment because the merchant bank resolved the transaction as invalid due to insufficient documentation. 
4 ) Approached the merchant bank in XX/XX/XXXX. The merchant bank opened an investigation and confirmed that they credited the card holder account on XX/XX/XXXX.

5 ) Approached my credit card company and shared the above information. Their letter dated XX/XX/XXXX says " We have made every attempt to resolve your dispute with the merchant. They are unwilling to issue a credit to your account. This will be our final letter regarding this dispute ''. 
6 ) The merchant does not have my payment. The merchant bank says they credited my account on XX/XX/XXXX. My credit company says they did not get the credit. Who is having the money for the payment I made? My credit company can not close the investigation without addressing this.

I already opened a complaint ( XXXX ) but this is additional information to that complaint.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 605C, which prohibits consumer reporting agencies from including adverse information in consumer reports resulting from XXXX XXXX. Despite submitting valid and legally compliant documentation, Equifax has refused to comply with this federal mandate, thereby causing further harm and undue hardship. 

Issue Description I am a survivor of XXXX XXXX  and have taken the steps outlined in FCRA Section 605C to ensure adverse information related to my trafficking experience is removed from my credit report. To comply with the law, I submitted the following documents to Equifax : A certification letter from the U.S. Department of Health and Human Services ( HHS ) attesting to my status as a victim of XXXX XXXX 
Documentation from a recognized and valid Non-Governmental Organization ( NGO ) supporting my claim. 
Despite these submissions, Equifax has failed to fulfill its legal obligation under Section 605C. Equifax has either : Refused to accept my documentation, which meets all criteria established by the FCRA and its supporting regulations. 
Provided no valid explanation for their refusal or failure to act. 
Continued to report adverse information related to the trafficking situation, which has caused significant harm to my financial stability and mental well-being. 
Impact of Equifaxs Non-Compliance Equifaxs refusal to adhere to federal law has had the following consequences : Continued damage to my credit report and score, affecting my ability to secure housing, employment, and financial services. 
Emotional distress and retraumatization as I am forced to relive my trafficking experience to resolve this matter. 
Violation of my rights as a consumer under FCRA Section 605C.

Resolution Sought I request the CFPB to take the following a

ctions : Investigate Equifaxs failure to comply with FCRA Section 605C.

Compel Equifax to immediately accept and process the documentation I have provided, removing all adverse information that resulted from my trafficking experience.

Ensure that Equifax implements proper procedures to prevent future violations of this law and train their staff to handle such cases appropriately. 
Attachments I have attached the following to support my complaint : Certification letter from the Department of Health and Human Services ( HHS ).

Documentation from a valid NGO.

Copies of all correspondence with Equifax related to this matter, including their refusal or lack of response.

Conclusion Equifaxs actions are a direct violation of FCRA Section 605C, and their failure to address this matter undermines critical protections for trafficking survivors. I urge the CFPB to hold Equifax accountable and ensure compliance with federal law. If Equifax does not take corrective action immediately, I am prepared to pursue additional legal remedies.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I applied for a personal loan on Discover 's website and was approved. In order to secure the loan I had to call in due to a fraud alert on my credit. I called in to verify myself to be told their system is down they can't pull up contact information from the credit bureaus to verify my identity and that it's a known system issue. Completely dumbfounded I asked to speak with a supervisor. The supervisor told me the same thing and said they'll request the hard inquiry being removed from my credit as well to call the credit bureaus to remove the fraud alerts from my credit. She told me to re-apply after the credit bureaus remove the fraud alert within 24 hours and the new application will go through fine since there wouldn't be a fraud alert. I did as I was told called the credit bureaus, removed my fraud alerts, and re-applied only to be told they'll have to deny my application due to it being within 30 days of the other application. This is beyond ridiculous, a waste of customers time, damage to their credit, and deceptive practices. No one in Discover including their systems know how to do their jobs apparently!! Application ID : 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. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also 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: Vehicle loan or lease

I was a few days late on my car payment the car loan company took the car without notifying me on their end it said that I was 2 months late but I was only 12 days late and I paid the repossession fee to get the car back and now it show as of yesterday that there is a repossession on my record which I want that removed ASAP!! I have my car back
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$3700.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX