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

The credit bureaus did not conduct A proper " investigation '' according to the FCRA the term " Investigative Consumer Report '' means A consumer report or portion thereof in which information on A consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumers reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. None of the 3 Credit Bureaus ( XXXX, XXXX, Equifax ) did A thorough Consumer Report Investigation to insure all information is complete, accurate and verified. I have included documented proof of inaccurate account balance, account open date, account date last active and date last reported
Product: Credit reporting or other personal consumer reports

I have 5 inquiries on my credit report that have been hindering my credit score an XXXX  and XXXX have removed but TransUnion will not 4 XXXX XXXX and one from XXXX
Product: Credit reporting

I noticed that my hard inquires were deleted on my Trans union account and then a few days later they were added back on without prior written notification.
Product: Credit reporting or other personal consumer reports

XXXX- Letter mailed and no response provided.
Product: Debt collection

This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of XXXX XXXX my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX BMG XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX I Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent. To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for your prompt attention to this matter.
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 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 oversight is unacceptable. I urge Zelle and its associated financial institutions to implement more robust fraud prevention measures, enhance transaction transparency, and ensure that affected users have a clear path to recover lost funds. Failure to address these issues will only erode consumer trust and further damage the platforms credibility.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$660.00} from Creditor : TRIDENT ASSET MANAGEMENT, 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: Money transfer, virtual currency, or money service

We pay our landlord by check normally but reached out to them to request ACH information. At the time, their email had been hacked into and the hackers infiltrated the email and sent us their ACH information. The landlord has since let us know that the account we sent the information to was incorrect and that they had been hacked at the same time. We have the banking information for the person who hacked into their email account. Bank of America ( the hackers bank ) indicated they denied our request to have the money sent back to us. We are filing police reports in the hopes to eventually stop this person from taking any more money from others. I will be following up with our landlord and letting them know, if their other tenants sent money to them they should also file reports. We have also filed a report with the FTC. Our complaint is about Bank of America and their lack of willingness to investigate the claim and retrieve the money back from a hacker. They should have all their information since typically a form of identification and SSN is required to open an account. The amount transferred was {$32000.00}.

The people may be working out of XXXX XXXX XXXX, XXXX, AR XXXX since that is what was listed as the Beneficiary address on the ACH information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANKRUPTCY ( XXXX XXXXXXXX XXXX  TX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have on several attempts with XXXX to resolve an inaccurate late payments caused by XXXX of XXXX XXXX to submit a pay-off check to US Bank, after the XXXX XXXX XXXX was traded on XX/XX/XXXX. 

XXXX of XXXX XXXX failed to remit their check # XXXX in a timely manner due to personnel changes, as indicated by Mr. XXXX XXXX, Subject : Delayed Payoff Check # XXXX XXXX XXXX to US Bank, dated XX/XX/XXXX. 

The dealer was eventually closed by the authorities due to several illegal activities that indicated Mr. XXXX. 

The payment trend was excellent until the trade-in, which should indicate the true payment pattern we had established with US Bank. This is the latest late payment in XXXX / XX/XX/XXXX had has caused harm to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following account : BULL CITY FINANCIAL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between thXXXX XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX and Equifax credit reports. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX  XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

got gift card from friend. Used it today at XXXX XXXX.  meal with tip came to {$8.00}. 

Verified charge correct with XXXX XXXX in amount of {$8.00}. 

Contacted uS BANK and they said their XXXX card adds 20 % to any charge at restaurants. regardless. NON of their packaging states this ANY where. 

This is a deceptive practice and a form of fraud. Regardless of the fact that they will correct the dispute AFTER 8 WORKING DAYS. WHAT A RIPOFF. 

WHAT A XXXX RIPOFF!!!!!!!!! 

I HAVE CONTACTED ALL MY FRIENDS AND ASSOCIATES OF THIS DECEPTIVE PRACTICE, AND ADVISED TO NO LONGER USE ANY VISA GIFT CARD FOR ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX i do not know nothing about those companies i have those inquiries without my knowledge
Product: Mortgage

We closed on our home XX/XX/XXXX. I was notified by XXXX XXXX of Academy Mortgage one hour before closing that my interest rate was higher than what we had agreed upon in XX/XX/XXXX. It was 4.25 % instead of 3.5 % from the Good Faith Estimate. She told me not to worry because she was handing me an envelope of {$400.00} cash at closing that would cover the difference for 6 months, and then she could refinance us at the end of 6 months. The cash did not cover 6 months of the higher payment. I contacted her 6 months later, and she said the rates were higher, and she was not able to lower our rates. I contacted an attorney in XX/XX/XXXX. This was supposed to filed in the court system, but the attorney has stopped communicating with me after he told me that her attorney was one of his good friends. The higher interest rate costs us {$170.00} a month more on our mortgage than what we originally had agreed upon. That is {$61000.00} over the course of the mortgage. 

I have emails and text messages between XXXX and I that I can forward.
Product: Credit reporting or other personal consumer reports

Ive asked by mail and email for TransUnion to remove multiple things off of my credit report, my credit is all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau refused to conduct proper investigation & have these errors deleted from my credit report. I have called this morning, regarding debt collector the bureaus XXXX XXXX XXXX  originator reporting the amount {$820.00}, refused to delete this creditor. I have a certified letter, returned back to me via USPS. The contact information that's stated on equifax of the address is invalid & returned back to sender. Attached is a photo of the letter returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  gas credit card through XXXX XXXX  on XX/XX/21. I was denied, reason applicant is deceased. I assure you that I am not dead. A hard inquiry was listed on my credit report which I dont understand since XXXX XXXX  told me Im deceased. I called XXXX XXXX  and spoke to both them and their XXXX services department. Neither could give me an explanation on why I was listed as deceased. They told me to contact the three major reporting agencies. I contacted TransUnion. After several hours on the phone they told me nothing in my file indicated that I was deceased. Next I tried to contact XXXX. Their automated prompts doesnt have an option for my particular issue and it is impossible to speak to a live person. 

Can someone please get to the bottom of this? I want to know where XXXX XXXX got their information since they could not provide me with an answer.
Product: Money transfer, virtual currency, or money service

I have about 3 to 4 different names never been a California Resident in my Life theses names being used dont hold a Social Security Number the only one to my knowledge that matches my Social is XXXX XXXX XXXX this needs to be Resolved with theses Companies using incorrect information depleting my account they are doing this by Virtual Currency it all started with XXXX Bank but I changed banks to Prove my Identity showing its not me behind all the Foolishness thats taking place I also have a Child Support Case thats not even Registered in the State so how Im receiving Child Support I dont know but something definitely isnt right here
Product: Student loan

I have been making over payments every month and my over payments are constantly being applied incorrectly and against my direct request when I spoke to the financial representative. With every over payment, my auto pay is reallocated in order to maximize interest payments across all of my loans and my over payment is repeatedly miscalculated in the company 's favor. This is the 3rd time that I have asked that my over payments are not counted towards future auto payments and should stand on their own. 

Finally, last month I made an over payment and realized when the money did not go out of my account that the payment never took place, even though I received a confirmation number for the payment. The company did not revise my loans to reflect their mistake and I lost all of those days in-between securing a 2nd payment. 

This is gone on far too long and somebody needs to address these concerns.
Product: Checking or savings account

I opened an account with Suntrust bank in XX/XX/2018. After opening the account I had a business loan being transffered into that account. Suntrust put the wire transfer on hold claiming to be doing a fraudulent transaction verification, this was after the funds were being held for Funds Verification.

I have spent numerous weeks being bounced found one department to another within the bank itself and have been told numerous times that the funds would be made available within 24, 48, 72 hours and within a week and within 2 weeks.

I have verified with the lender that the funds were wired to the bank and that the bank is within possession of the funds, which was also confirmed by an Executive Care Associate. 

At this point I feel as if the bank is just giving me a run around and is not going to release the funds and they refuse to give me additional information regarding the matter.
Product: Credit reporting or other personal consumer reports

I found Fraudulent inquiry in my credot report plese remove it XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so i may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf so i may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Please remove all accounts listed below : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

In doing further research, I found out that my mobile carrier had a data breach which I was apart of. I was never made aware of it and this may lead to how this XXXX account being established without my knowledge. I have reached out to XXXX and they can do confirm any information. 
They can only tell me it has been sent to collection. XXXX can not verify the account because I have no knowledge of this account and can not give any information other than it was bought by Jefferson Capitol System. Furthermore I only found this out because I had applied for a XXXX credit card, I pay all my creditors and I was rejected to my surprise. 
I have reach out to XXXX XXXX XXXX in the last 2 month. Every call sends you to one prompted and then to another prompted and thinking you're in queue the system will hang up on, time and time again. I have given more than enough time trying to resolve this myself and now have decided to file this complaint. This is a fraudulent account has cause significant financial stress on myself.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Blocking Request Dear Experian, I am writing to formally dispute the recent decision communicated to me regarding my request to block accounts on my credit report due to being a victim of human trafficking. 

On XX/XX/year>, I received a letter from Experian requesting specific documentation, including my driver 's license, Social Security card, proof of address for the past two years, and a recent utility bill. I promptly uploaded all requested documents to your online portal at experian.com/uploads, demonstrating my eligibility for the requested account block. 

However, on XX/XX/year>, I received a letter indicating that my request to block the accounts had been denied. This decision is perplexing, considering the initial letter I received assured me that once I submitted the necessary documentation, the accounts in question would be blocked. 

I have attached copies of both letters for your reference. I respectfully demand that Experian fulfill its promise to block and delete these accounts from my credit report as initially stated. The evidence I provided clearly supports my request, and I expect a thorough review of my case in light of the documentation submitted. 

If this matter is not resolved promptly, I will escalate the issue by uploading my documentation to the Consumer Financial Protection Bureau ( CFPB ) for further assistance. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the blocking and deletion of the accounts in question.
Product: Debt collection

Consumer Adjustment Co has made several phone calls prior to XXXX. Then a collection account shows up out of the blue on my credit reports