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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$230.00}.
Product: Credit reporting or other personal consumer reports

One of my problems ; This car Start giving me problems in XXXX. In XXXX I start checking my contract. My credit score at that time when my purchase was around XXXX to XXXX XXXX. I went to the Truist bank, They refused to give me any information.They told me to go back to the call dealership. I've been going back and forth from the bank to the dealership. They gave me. 
Interest rate XXXX My note is {$430.00} a month. When I did the chicken about 3 months ago? My interest rate should have been a XXXX Off the credit score I had at that time. They grade me as an interest rate XXXX and under. When I went back they say now today you got a good interest rate. Second problem ; Since I start asking questions about my interest rate And got in touch with the headquarters, I was three months late Due to sickness and it slipped my mind, it was in XX/XX/XXXX. I call them in XXXX to make a payment, They said you haven't made a payment since XXXX. I said can't be your never call me. You'll always call me when I'm 5 days late from my due date. Why I never got ta call. They say I have no number on file. I said because y'all calls me. I think this was a conspiracy against me. This took XXXX parts off my credit. The third problem ; I've been having problems with the engine when it was around XXXX miles. Now XXXX Car insurance Warranty. XXXX warranty end at XXXX I do not like driving this car a distance. It would get overheat, without the needle moving. the engine is knocking They say every week you might have to put oil in twice. They're just dragged me alone. The last time I was there I. 
Was humidinated embarrasses. They see that the engine had no oil in it. So this time it had another problemthe engine cord, They say to fixed that problem.It 's gon na cost about XXXX XXXX, I say I don't have that right now, So they let me left, with out change oil. say I refuse to get my oil changed. That was written on the paper. Why would I say that when I know this engine giving me problems. Like I said, the last time I was there a couple months ago. I was humiliated. I never want to go back there again. They did it in front of everybody. So how can you help me? Cause I want all my money back form this car. I never want to go back there again, never. Thanks for your time, but please refer me to someone. Because I need to take this to court. I never wantna go back there again.
Product: Checking or savings account

" Subject : Disputed Transactions and Investigation Concerns I'm writing to express concerns regarding disputed transactions on my account with Synovus Bank. 
While I was abroad for my father 's burial ( flight tickets attached ), unauthorized transactions occurred on XX/XX/year> : - {$280.00} - {$27.00} - {$46.00} I reported these transactions and provided proof of my whereabouts. Despite two investigations, the outcome was not in my favor. I'd like to know : 1. Details of the investigation process 2. Measures taken to protect my account I'll continue to dispute these transactions until resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX capital one XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 these company want me to wait 2 years for it to be remove and by this i won't be able to rent a good apartment area for my dad. he needs to move out from a bad neighborhood and i want to help him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list XXXX XXXX XXXX ) XXXX  accounts as in collection in XXXX and XX/XX/XXXX. XXXX  XXXX ( XXXX ) continues to report the same nineteen reports to credit agencies. Records ( attached ) clearly show that all of these accounts were closed in XXXX when XXXX XXXX consolidated them, that they are not overdue, and that they are not in collections. I have twice requested for Experian and XXXX to remove this incorrect information. The latest request was in XX/XX/XXXX. Both XXXX and Experian have failed to remove the incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Formerly known as XXXX XXXX Formerly known as XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date reported XX/XX/year> Date assigned XX/XX/year> Amount {$1800.00} Status date XX/XX/year> Balance date XX/XX/year> Account number xxxxxx XXXX According to 15 U.S.C. 1681i, I did not authorize the reporting agencies. Please block and remove the accounts under 15 U.S.C. 1681c-2.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent and unauthorized by me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I have requested XXXX Transunion and XXXX to delete old expired negative credit reports and records, also the {$940.00} charge against my file from XXXX mgt is not correct, it was never adjudicated in a court, or even billed to me prior to credit reporting from company XXXX. I have made several requests and am being ignored or accused of not supplying identification sufficiently, which I have furnished my XXXX drivers license, current utility bill, XXXX i.d card, etc. and am still not getting anywhere with the XXXX credit agencies. I am requesting that the XXXX companies remove these XXXX records from my file, thanks, XXXX XXXX
Product: Mortgage

Chase Mortgage Account # XXXX I reached out to Chase Mortgage bank about a XXXX months ago in reference to them removing late payments on the account since the account had been paid in full, they refused to do so. I have never not paid the mortgage. My ex-wife and I both had to make two separate payments on the mortgage recommended by the courts until it was sold. My ex-wife was late making her payments a few times which ended up counting against me as well. Chase refused to honor the payments made on-time because she was late on her portion. I explained to Chase Bank that I was going through a divorce and informed them that there would be two separate payments made monthly from my ex-wife and myself. I am not allowed to purchase a new home because of these late payments that I had no control over. Please have this account removed asap. Thanks! I put in for a dispute about this some months ago and nothing has yet to be removed. According to 15 USC 1692c ( c ), these late payments must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX XXXX apartments today XX/XX/19 because I need to rent an apartment by next month but when they ran my credit to see if I qualified to rent there, I was told that I didn't meet their credit requirements ; I was confused because I have always made sure to pay everything on time. I looked at the credit report they pulled and I saw that there were several accounts in negative standing that aren't even mine. I did not open any of those accounts and I have never allowed anyone to open them in my name. I have no idea who these accounts belong to or why they are on my credit. I did not gain anything at all from these accounts nor did I ever make any purchases or payments towards any of these accounts. I am not affiliated with any of those companies in any way and I have already filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PERMANENTLY DELETE AND BLOCK the XXXX XXXX  XXXX, XXXX FROM MY CREDIT PROFILE. 

Equifax , Inc. refuses to follow the Fair Credit Reporting Act 605B ( a ) where they are required to delete and block accounts that have been proven to be identity theft within 4 business days. I submitted a police report and 2 FTC Identity Theft Reports to Equifax , Inc. with the XXXX XXXX XXXX XXXX XXXX account identified in them as identity theft. This account has been deleted and blocked by all other credit reporting agencies. Equifax has even deleted it multiple times, but they refuse to block it and allow XXXX to report it every month. The account is also subject of litigation and XXXX is estopped from reporting this account because of its fraudulent nature and being identity theft. The account is 100 % inaccurate. 

Equifax had until today to delete and block the account and instead they closed my last CFPB Complaint on the 4th business day and responded for me to call them. My phone calls to Equifax 's fraud department have proven ineffective numerous times. This is a deceptive business practice as Equifax is using this tactic to delay justice and continue to cause damages to my name, likeness, character, and credit worthiness. Equifax has in their possession everything they need to conclude this matter and delete and block the XXXX XXXX XXXX XXXX XXXX from my credit profile. Equifax has never provided me documentation as is required by law ( FCRA 605B ) informing me of their reasons not blocking the account and for allowing the account to be re-reported after Equifax has deleted it multiple times. Once the account is deleted, it can not be added back. All other credit reporting agencies I do not give Equifax permission to continue to publish this XXXX account on my credit profile. They have no permissible purpose by law to not delete and permanently block the account. I am being damaged daily by Equifax 's refusal to follow the consumer protection laws.

Every complaint that I file where they refuse to follow the law can and will be used against them as evidence in any and all matters whatsoever. I reserve any and all rights for damages and relief.
Product: Debt collection

LVNV LLC appears to have purchased credit card debt that I did not know was in collection or that they had made an attempt to collect the debt. I reported this to XXXX and they removed all LVNV LLC accounts from my credit report. I have since reached out to the other credit reporting bureaus to request the same. 

In good faith, I have reached out to LVNV LLC, but they keep changing their name and now I can not find or figure out where to or how to verify the debt. It is very frustrating. 

This involves two accounts, one ending in XXXX and another ending in XXXX. If the company can not provide proof of the debt that I am requesting and XXXX has already removed them from my report, I feel the other bureaus should take similar action, especially if the company is not responding.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHT. 

12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER
Product: Credit reporting, credit repair services, or other personal consumer reports

This week Equifax removed an inaccurately reporting public record from my credit report and reinserted within in 5 days without a written notice to me along with visual proof AGAIN!! This is the FOURTH time in XX/XX/XXXX they have done this with the same file!! It is against my consumer rights for them to keep doing this and getting away with it!!! Furthermore, on XX/XX/XXXX, the three major credit reporting companies - Equifax, XXXX and XXXX - were to enforce stricter rules on the public records they collect, requiring each citation to include the subject 's name, address and either their Social Security number or date of birth. As of XX/XX/XXXX the inaccurate information is still reporting on my Equifax credit report. I am writing this letter and complaint requesting that this Public Record be removed from my credit file immediately, as it does not comply with the rules enforced to report. Also XXXX XXXX stated they verified this inaccurately reporting account by XXXX! They stated XXXX sent them my FULL social security number which is against the law. I contacted XXXX about the matter and they stated they DO NOT directly verify any of that information to third parties either and that if they did show any part of a social it would be the last four numbers only. XXXX XXXX also needs to stop reporting this inaccurate file and moreover, they need to abide by the laws also.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - # XXXX, XXXX - # XXXX, and XXXX - # XXXX has violated my rights.

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 193 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Prepaid card

I purchased a Visa gift card a few days ago, loaded with {$500.00}. When I tried to use it, it didn't work. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy/paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times, several cards will decline, and will not work even with future attempted purchases.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my interest in Zelle 's handling of disputes, particularly in light of the recent CFPPB 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 this transaction was unfeasible. The CFPB 's findings indicated 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: Money transfer, virtual currency, or money service

I am a decade+ customer of XXXX XXXX  XXXX I have a checking, savings and business account with XXXX XXXX. 

Tonight, an artist we've done business with multiple times, asked us to send our payment of {$200.00} to him through Zelle, which we believed to be a XXXX Bank owned app based on the advertisements provided by XXXX XXXX  and the zelle app embedded in my XXXX XXXX  account. 

Believing the product must be reputable, the payment was sent. 

After sending, our friend asked us to send a screenshot. 

I found this odd, as we've done business several times. 

So I asked him to call me and when he refused, I found that his XXXX account was hacked. 
Within literal minutes of sending the payment, I called XXXX XXXX. 
They said Zelle is not their app, its a 3rd party and there was nothing they could do. 
I asked if they could NOT send the funds, because the funds WERE NOT SENT. 
They said no. 

I called Zelle, it had no options for fraud, for support and the system hung up on me twice. 

I called XXXX XXXX  back and explained that we should have the ability to mitigate our losses, that XXXX XXXX  advertised this app in a way that made it seem like it was a part of their services and an app owned by them. 

They stated they had to ability to stop the funds, that are STILL SITTING IN A PENDING STATUS, from being drafted from my account. 

Zelle has no fraud department Zelle has no customer service options Zelle has no customer service agents available Zelle has no options for us to protect ourselves or report time sensitive issues related to fraud or app issues. 

No CONTROL is provided to me, the customer defrauded by the app XXXX XXXX touted. 

Now that I've been informed Zelle isn't part of XXXX XXXX, I am aware that I may not be afforded the same protections that I would if it was part of the bank, such as FRAUD protection. 

I also am GUESSING zelle doesn't have a dedicated team. 

Had it had one, the funds would not have been sent, because we would have been able to call within the first 10 minutes of sending the payment, and cancelled it. 

Zelle should be required by law to have a fraud team. 

Zelle should be requried by law to disclose during the sign up process PUSHED BY XXXX XXXX, that it is NOT AFFILIATED WITH THOSE BANKS. 

XXXX XXXX  should not be legally allowed to advertise the use of an app it has ZERO control over or protection it offers with it. 

Zelle should not be able to refuse fraud or customer service.
Product: Debt collection

I received a call at XXXX XXXX from XXXX XXXX, identifying themself as Capital Accounts, from Phone number : +XXXX ( XXXX ) XXXX Area code : XXXX City, State : XXXX, New York County/Parish : XXXX Phone Usage : Landline Phone Carrier : XXXX XXXX XXXX XXXX. 
They provided me information regarding an account that was not even mine ( name of person/company seeking collections ) They did not clarity who they were speaking with. I told them they had the wrong person and then started inquiring about my name and asking me for the phone number of the person they were trying to contact. They then realized their mistake and hung up on me. I called them back and complained.. I am going to report them by report to the Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised, a XXXX  XXXX bankruptcy, among several other accounts were placed and remain on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies, but Transunion and the Transunion company " XXXX  '' have denied all my disputes repeatedly. This erroneous XXXX  XXXX bankruptcy is seriously hindering my credit worthiness.
Product: Debt collection

I was never sent any bills, but a medical debt from 2011 for {$930.00} is on my credit report. I was XXXX years old in 2011 and on medical assistance for mental health issues. 

I asked the collections agency, Interstate Credit & Collections Agency to send me proof of financial obligation. They refused unless I gave them my financial information. I would like it removed from my credit report. They wo n't even tell me what it is for and I am not even sure it is real. I was denied private loan for college and a credit card. I was humiliated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 47 inquires on my credit reports that I did not make
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection of these inquires. I have added a separate document outlining the inquires that were added to my credit report. My identity theft report is included with this complaint. I would like these inquiries removed.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed accounts that are currently tied to ongoing litigation.
Product: Checking or savings account

In late XXXX early XXXX someone attempted to use my debit card at the XXXXXXXX XXXX in New Hampshire but due to lack of funds the transaction didnt process. I was told I could not report fraud by XXXX XXXX because no money had been taken. They issued me a new card with new account number. On XX/XX/XXXX my debit card was used for 2 transactions of the same amount {$64.00} within a matter of a couple hours by thrillophilia I did not make these purchases. After reviewing my dispute they decided there was no fraud and did not give me my money back. On both occasions I called within 24 hours to report the illegal activity. I had my new account for less than a month when the fraud had occurred the second time. I made multiple calls to the company to discuss and report the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022