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

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confident

iality under 15 USC 1681. Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or opened due to this to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Debt collection

This debt was paid and this company is PERMANTELY CLOSED AND the owner is in federal prison for FRAUD.
Product: Credit reporting or other personal consumer reports

I have been XXXX for a while and looking at my credit now I see that there are old accounts that I don't not know are that I ever had an account with them to begin with there are a lot I try calling to get them removed the fact that some are out dated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 need to be removed they are not mines and or out dated
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handle 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 recovery of lost funds was impossible and tracking these interactions are infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users to vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX used to be XXXX XXXX. Before the company name was changed I had paid off my balance through XXXX XXXX XXXX. When the name of the company changed my old, paid debt resurfaced. When I've called XXXX they see the " note '' in my file that the debt is paid and say that I won't be billed again. Four months later I getting payment notices and it is reported to the three agencies. I have sent them paperwork which is also on file. This directly afters my credit which I'm trying to fix.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding a fraudulent account that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. Specifically, the account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the credit reporting agencies ( Experian, TransUnion, and Equifax ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this fraud.
Product: Debt collection

I was looking at my credit report I noticed there was a account I never opened was at XXXX in XXXX  I was unployd at that time was only getting XXXX a week in unployment and being a single mom I would not spend that much on a device or what ever it is I don't have any kind detail about this charge or even what it is I have disputed this several time and they keep saying it right I stand firm on it not being my account for primary fact I pretty much had to revise my credit report I had to disputed several address that I never live at and a phone number that never belong to me. On my credit report I had 110 identity alerts I got to looking at the site there somebody going by XXXX XXXX XXXX same age and live in same town not sure how I get this taking care of this person showing up as my identity but I would greatly appreciated if you guys would look further into my credit report that XXXX bill is not mind
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent dispute on XXXX XXXXi have not got the results. my report have a lot of inaccurate. can someone please look at it
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With The Fair Credit Reporting act. The list of account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 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

Found a debt on my credit report that was posted in XXXX of 2020, by United Collection Bureau. I was never notified of the debt prior to it appearing on my credit report. I filed a dispute with the credit company and was notified there was nothing I could do. I was later sent a letter from a law office in another state about the debt. I don't know where the debt is from prior to it being sent to collection.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTXXXX 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

See attached - violation my federal rights to privacy 15 USC 1681 ( a ) ( 4 )
Product: Credit reporting or other personal consumer reports

Equifax, I was a victim of identity theft and the below hard inquiry is unauthorized and fraudulent. 

XXXX XXXX  XXXX - XX/XX/2023 Please have this removed as soon as possible as its damaging my ability to obtain credit.
Product: Mortgage

In XX/XX/XXXX we missed a mortgage payment to Specialized Loan Servicing LLC. On XX/XX/XXXX, I talked to an Agent on the phone and made arrangements for XXXX XXXX payment of {$1000.00} to be electronically transferred. We later received a confirmation letter dated XX/XX/XXXX. ( see attached ) Then we received a Default Notice and Notice of Intent to Foreclose dated XX/XX/XXXX. ( see attached ) We are one month behind in payment and are working on bringing the account current.
Product: Checking or savings account

There was no help from CFPB yet. Instead a retaliation followed my complaints to CFPB. I have been at the bank with inquiry about monthly fees. BMO bank continued to charge monthly fees while it clear stated on the website that there is no monthly fees. It should be no monthly fees charged to my account. I sincerely asked for an adjustment started from XX/XX/year>. BMO continued to charge monthly fees of {$25.00}. I deposited over {$4000.00} in 90 days to BMO. Over 7 months BMO used over {$5000.00} of my money and I was charged {$25.00} four times total of {$100.00} and got XXXX cents in interest. From the beginning, I was not able to use my BMO debit card for over 90 days. I had a problem to look at my account digitally and use it digitally. I did not get a bonus of {$350.00}. I was charged monthly fees of {$25.00} since XX/XX/year>, when I was not supposed to.
Product: Mortgage

XXXX XXXX XXXX send total {$75000.00} ( XXXX and XXXX two separate XXXX  for insurance XXXX  claim ) to shell point check are cashed out with out my signature and lien was fully paid off as home was sold and money was never send back Shellpoint mortgage servicing is not complaining with my request to return money back and refusing any conversation about it ( loss drafy dep tell me that there is no money ) i have number for checks and dates as was cashed out before even i sold home by mortgage company..

Please help me in this situation thanks
Product: Credit reporting

NOT MINE, DID NOT GIVE ANYONE WITH THIS NAME PERMISSION TO INQUIRE ON ME!!! 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXBusiness NameXXXX XXXX XXXXInquiry DateXXXX/XXXX/2015Business TypeFinance Companies- non specific
Product: Debt collection

I am a victim of ongoing identity theft, my Social Security card, birth certificate, ID, Social Security card, as well as other financial tax documents, were stolen from my house years ago. I filed a report with the ftc and my local police provided vw credit with this info and they failed to delete this from my credit report or send me any documents that this would be deleted. I reached out to Volkswagen credit multiple times in regards to this XXXX XXXX XXXX that someone stole my identity to co-sign on and obtain. Today I spoke with a manager and she said she was sending me another packet after I waited weeks already!! I do plan to obtain a attorney if this is not resolved
Product: Checking or savings account

On X/XX/2017 I called NFCU to let them know I wanted to dispute a charge from a company that I just had repaired work done to. NFCU, stated that it would take up to 10 business days to receive a provisional credit. NFCU has been negligent in responding to my claim and has failed to contact me regarding any steps in this process.
Product: Credit card

Three days ago, I decided to write a check to pay the balance of my Discover card for just over {$1200.00}. The payment posted today and I called to inquire why, in three years, my account has never been reviewed for a credit limit increase. The rep placed me on hold, then came back on the line and shocked me by stating my account had been revoked due to a bankruptcy. She explained she has to transfer me to another department. I assured her I have not claimed bankruptcy but she insisted. I was transferred and the new rep, a rather rude young man, asked me incredulously why I would be seeking a credit limit increase since I had filed bankruptcy. I explained to him I had not filed bankruptcy but he was convinced and told me he can not handle bankruptcies and I needed to be transferred to the bankruptcy department. He did as he insisted, despite my objections, and the line rang to a number for which the recorded message indicated they were closed and I would need to call back the following day before XXXX EST. The line then hung up. This was around XXXX PST. I tried calling Discover again but now, when I put in the last XXXX of my social, it simply gave me a number to call and disconnected on me. I called again and the same thing. I decided not to put my social in and simply get to a representative and speak to a supervisor. I reached a supervisor and explained the situation. She then started saying the previous reps misspoke indicating it was due to a bankruptcy but assured me she would call. After nearly 40 minutes on hold, she returned to the line to state I needed to call the other department and yes - they were closed. I exclaimed to her that I HAVE NOT FILED BANKRUPTCY but she could care less. I told her I would not be chasing down department after department to correct their mistake when my account shows in good faith I just paid my balance. I was not in collections and my account has always been in good standing with Discover. I told her I would be calling CFPB about this matter but, her attitude was such that she could not be bothered with my trivial issues. Here I stand now, an account paid off with my calling to wonder why they have not granted the courtesy to increase my account limit and yet I 'm told they revoked my account - on XX/XX/XXXX! Today is XX/XX/XXXX and there 's no letter or other notice. When I originally called in, there was no automated referral to an east coast number ; now there is. They offer no solutions or explanations and the rep readily admits she can not understand why the account was revoked. This will appear negative on my credit report as a revoked account and yet Discover treats me as if I am number, a warm body, occupying a phone line. Please help me to resolve this matter. Discover can not get away with doing this random act of evil to a good standing account holder and then with careless disregard, make me waste my time to chase down various departments only open during inconvenient hours to resolve the issue they obviously created and then to make matters worse, take a hit to my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please see attached - there's many Personal Information items wrong on my credit report- please fix.
Product: Checking or savings account

On XX/XX/2019, I applied for a new account with the bank. I was denied with a generic rejection notice and given no specific reason for the denial. I contacted the bank via the phone customer service number and they were not able to provide any details as to why I was being denied. I previously had an account with this bank and had no issues. I had closed this account a few years ago and never had an overdraft or any other type of misuse of the account.
Product: Debt collection

Debt was found by checking credit score. No attempts at communication have been made between myself or any party related to me. Therefore I have been completely unaware of this debt, or what it is even for.
Product: Bank account or service

I have a bank account with Wells Fargo which are charging me fees so I want to close it and transfer the money to XXXX XXXX XXXX. When I originally tried to transfer the money disappeared, I contacted them and they said a bank check was sent ( which I did n't ask for ) and that they have to request it back which is going to take 10 business days to have the money in my account. First of all why are they doing a bank check when I am sending an electronic transfer? Anyway after some time the money appeared. I tried to transfer again, then I could n't because on-line banking would n't allow a transfer then I kept at it and find away to add XXXX as a bill payee. So, I tried to send a transfer then it said I did n't have enough money, then I figured out they were taking {$3.00} to transfer to I made it less. Almost at the stage of transferring and it says I need an access code to my mobile. Well I do n't have a XXXX XXXX anymore because I am in XXXX XXXX now. I tried to change my personal details and it wont let you change the number to XXXX. I then had to contact International toll free number, then it says you ca n't ring on a mobile! So I have to find a land line to use. I find one then the guy says to me I ca n't transfer it, that he ca n't give me an access code because I do n't have any security questions on file! I just ca n't believe the hassle with this, how hard is it to get my money out of this bank and put it in another. I have many bank accounts around the world and this is the only bank that at every step is stopping me taking my own money out. Also, they keep charging me fees. It 's two months now since I tried to take the original amount out. So, the operator says I may have to do a bill payment, when I go to set it up its says I ca n't. At this stage I 'm just so angry and having sent numerous emails to Wells Fargo with no proper solution I go in and change the mobile number to my friends. Well when I go back in to do the transfer, they have now stopped this service. I am just so sick of this bank, all I want to do is take my money out and put it in to XXXX XXXX XXXX. Surely they deal with people all around the world, you ca n't tell me they ca n't transfer money from one bank to another when someone is XXXX!!! I 've never had any problems with my other banks. I want to make a complaint because from what I can see, they are holding on to my money and stopping me taking it out. I just want my money and be done with this shocking bank.
Product: Debt collection

I have just received updated copies of my credit reports from all  XXXX  credit bureaus and discovered that there was a account and company listed on my credit report that I have never been notified about in regards to a debt which is violation of FDCPA  15 USC 1692.   This company is also in violation o of HIPPA Privacy rule and Breach of Confidentially.   This company has reported unverified false information and has stolen my identity to gain profit. I never contracted with this  Company Commonwealth Finance  nor did I give consent to use or have my personal information. Further more, this company did not provide me a  HIPPA release  that I gave consent to have my personal information or any information in regards to the account listed.
Product: Money transfer, virtual currency, or money service

I am the victim of wire fraud as a result of business email compromise on the part of a window contractor ( XXXX XXXX XXXX ; XXXX XXXX, CA ) who was ordering new windows for my house remodel. The funds were wired according to instructions that were coming directly from the company owner 's correct email address. This occurred on XX/XX/2021 for a total amount of {$25000.00}. As soon as the fraud was discovered on XX/XX/2021, I initiated a wire fraud complaint and recall through the issuing bank, Citibank. I reached out to their Executive department and received a notice stating that they were unable to connect with the beneficiary bank ( XXXX ) after over one month of supposedly trying. I also filed a complaint with local law enforcement and completed the FBI IC3 complaint form online. I have also filed a complaint with the XXXX. In an effort to be proactive, I did reach out to XXXX Bank who was apparently merging with XXXX on the date of the transaction, which complicated matters further.
Product: Checking or savings account

XXXXast & West Bank first closed my account without any notification or providing reasons. While this was inconvenient, it was their loss, not mine. However, when I tried to transfer my money out using ACH, they blocked me from doing so and forced me to use a wire transfer, which incurs a fee. I am here to complain about these unfair charges and their customer service.
Product: Student loan

On XX/XX/2022, I requested a loan refund for the amount of {$10000.00}. This amount I paid on XX/XX/2022 and is eligible for XXXX XXXX XXXX  XXXX  ( only XXXX of this Im eligible for ). But I understand this is the only way to gain forgiveness. I have waited now over 12 weeks for a refund. Initially they communicated a 4-6 week wait. Then they changed this to a 6-10 week wait. Now theyre telling me 10-14 week wait. This is absolutely unacceptable. I am eligible for the refund and I demand it immediately. I am currently unable to submit application for the student load relief as my account is still reflecting the amount of {$0.00} loans Paid in full. I can speculate by assuming Aidvantage is holding my refund XXXX and waiting to ensure loan forgiveness is going through at the federal level. This is neither here nor there. I am owed my refund and that is final.
Product: Vehicle loan or lease

Company is reporting a lawful payment as a charge off.. this is a billing error. 
Company has not forwarded the title to the property. 
Company reporting account was closed/charge off, bad debt.. 
Company is not properly applying lawful payments.