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

Premium Credit Bureau, is showing a hard inquiry ( XX/XX/2021 ) in all my credit reports ( XXXX, XXXX XXXX XXXX ), I don't recognize it. 
I have been sending letters to Premium Credit Bureau as well to the 3 Credit report offices, neither of them is showing evidence of myself approving Premium Credit Bureau to inquiry my credit report, I don't recognize this inquiry and didn't receive any answers from Creditor neither from the Credit report agencies. 

On XX/XX/2021, I went to get my new car in a XXXX XXXX, as this was a lease I authorized XXXX XXXX to run my credit but XXXX XXXX XXXX XXXX run my credit as well, I sent letters and email to dealership without any answer neither an explanation, also I requested the 3 Credit Bureau to remove the inquiry without any answer.
Product: Checking or savings account

Money was taken out of my account in my absence from the country without my consent by Wells Fargo of {$510.00} at XXXX XXXX company on XXXX XXXX, XXXX  along with {$5500.00} at XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XXXX  XXXX and XXXX XXXX, XXXX. 
Total amount {$6000.00} was taken out of my checking account. Fraud. 
I tried to reach out Wells Fargo as soon as I returned back to XXXX, CA on XXXX XXXX but theyre not helping.
Product: Credit reporting or other personal consumer reports

I dont recognize these credit inquiries and I had ask the 3 credit bureau to fixs it and they did not. 
I had submitted and identified theft report my reference number is XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed from A data breach and I FTC complaint was filed ref number : XXXX XXXX  XXXX XXXX Balance XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX  XXXX Balance XXXXXXXX XXXX XXXX XXXX  Balance XXXX
Product: Money transfer, virtual currency, or money service

I was scammed for a rental property. I signed a lease through XXXX, received a receipt for the deposit, sent first month and deposit through Xoom, received a mortgage satisfaction document and license but when I went to meet them for the keys the phone number was not available. I went to the property which I signed the lease for only to be told I was scammed. I filed a police report with XXXX County Sheriffs Department and disputes with XXXX XXXX, XXXX and Xoom but all claims were denied. Im XXXX  and out {$2000.00}. I need help
Product: Credit card or prepaid card

I cashed out reward points earned through my AAA VISA credit card. When the check was delivered, the postal worker ( probably a substitute ) placed the check in my newspaper box ( which was clearly labeled as such ) and not my mail box. As I had canceled my newspaper subscription, I did not check that box for quite some time. On XX/XX/2022 I happened to check it and discovered the check in question. It was dated XX/XX/2022 and expired 90 days later. As the check was " stale '' I contacted Bank of America to have it reissued ( they issued the check ). They claimed the AAA VISA account had been sold to XXXX and they ( Bank of America ) no longer had any record of it. They insisted XXXX was now responsible for the stale check. I contacted XXXX and they ( XXXX ) indicated it was the responsibility of Bank of America and that they ( XXXX ) had no record of this check. Neither bank accepts responsibility. I have possession of the stale check, issued by Bank of America, for the amount of {$50.00}. 

I want Bank of America to reissue a check in the amount of {$50.00} and mail it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is not a request for an investigation, but lawful written instruction and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681a ( e ) an Investigative consumer Report is defined as " a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. '' I DO NOT CONSENT TO ANY INVESTIGATION as it is my right pursuant to 15 USC 1681d ( d ) ( 1 ).

I will also make know at this time that neither XXXX, XXXX, nor Experian can lawfully " verify '' anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that XXXX, XXXX, and Experian verifies, must be done so under oath in the presence of a Notary. 

XXXX, XXXX, and Experian are corporations and lifeless, soulless, entity, they do not have the power to verify any information.
Product: Credit reporting or other personal consumer reports

About a year ago, I found out about some accounts on my report. I tried in several occasions to get it removed but I was denied. XXXX XXXX, I discovered some information on my credit report that did not seemed correct. it occurred to me someone has been probably gotten my identity information to use. Applying for job I didn't apply, trying to open credit card account etc. 

Also some of the accounts that were on collection. I paid off and yet they've refused to removed it from my report. 

Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries Name XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase XXXX credit card has the new benefit as {$50.00} hotel credit on the Chase Sapphire XXXX. I met all the terms and completed my hotel stay on XXXX XXXX with Chase and paid in full {$150.00}. However, upon my statement issued, I haven't seen any credit posted yet. 
I called the customer service and three different representatives all acknowledged that I med the criteria and it is strange that I didn't get the credit. However, they all refuse to issues the credit or submit the escalation request on my behalf. The issues remains unsolved.
Product: Debt collection

I was served legal paperwork on XX/XX/XXXX from ProCollect Services seeking judgements against me for non-payment. I feel very threatened by this as I have never received any billing for these and the complaint and summons had no case numbers and have not been filed with the court in XXXX XXXX. The first one is XXXX XXXX and its affiliates in the amount of XXXX. I have never received any billings or correspondence from XXXX XXXX or ProCollect Services regarding any unpaid bills. I have had medical insurance be it through XXXX or my employer for the last 6 years so any charges should have been ran through my insurance. I moved in XXXX and have not been to XXXX XXXX or any of its affiliates since. XXXX XXXX and its affiliates have never showed up on my credit report showing that I had an account in collection. The second judgement they are seeking is for XXXX XXXXXXXX XXXX in the amount of XXXX. In XXXX XXXX XXXX XXXX repossessed my XXXX XXXX and after that I never received any correspondence or billings from XXXX XXXX XXXX  or ProCollect Services stating that I still owed anything. According to my credit report XXXX XXXX XXXX charged off XXXX in XXXX of XXXX and is in closed account status not collection status. ProCollect Services have not been listed on my credit report as representing XXXX XXXX or its affiliates or XXXX XXXXXXXX XXXX  to collect any unpaid bills. I find all this very unsettling and unnerving as I live in a very tiny town and now I'm sure most are wondering why the sheriff was at my home which is very embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX Payment never late XXXX  XXXXSubmitted XXXX XXXX Not mine or No knowledge of account XXXX XXXX
Product: Credit card

Refuses supplemental payments online account. I attempted to make another payment and they will not as they say that only XXXX payments can be made in one billing period.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am reaching out to you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section XXXX, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down XXXX XXXX together. My credit report is a representation of my financial standing and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, and complete! Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility - so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. I have attached documentation pointing out the inaccuracies as well as identification verifying my identity.
Product: Mortgage

In order to try to save on interest, I have been making mortgage payments well in advance of the monthly due date, sometimes more than XXXX weeks in advance, with the assumption that it would be credited upon receipt to my account/ principle owed. With each payment I have also included an additional amount of $ 20- {$50.00} above the regular monthly payment amount. Upon receipt of each payment, my mortgage company, Nationstar Mortgage, has only credited my account and applied to principle the additional $ 20- {$50.00} on the receipt date. They waited however, until the payment due date to credit the rest of the payment -- which comprises the actual payment due -- for each and every month. Correct me if I am wrong, but I believe this practice is illegal. According to the law, mortgage payments are to be credited to the account UPON RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I keep trying to open my dispute results and Equifax is claiming my questions do not match and that my account is now restricted and I can only use a blind web email to dispute or to request anything! This is absolutely fake and they are purposely blocking me from accessing my report because I am stern and frustrated at their lack of investigation into two fraudulent accounts. I have placed fraud alerts with XXXX and XXXX so that these fraudulent accounts are completely removed and they simply send me the same pointless email saying information was updated and account verified and now they have completely blocked me from even seeing my disputes and I am 100 % sure I am answering everything CORRECTLY! Nothing was mailed to me but the accounts are still illegally reporting on my credit monitoring. I had no issues disputing these with XXXX  or XXXX and I can not imagine why they don't want to make this right for me!!!!! 

I am blocked out of my account and I have attempted to open it for DAYS and I have used all of my conformation numbers with. nl luck! They made me answer security question 6 times only to tell me each time that I can not access it via online and must use webmail. this is horrible!
Product: Credit reporting or other personal consumer reports

They failed to properly investigate disputes on credit. didnt complete in 30 days and failed to provide verified documents from disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX who works for a landscaping business in XXXX, PA has a son that has a very similar social security number as mine and he has been unknowingly interfering with my ability to get a credit card because I can not get a credit report with my social security number XXXX or log onto www.ssa.gov. 

I believe that he inadvertently input my social security number as his somewhere around XXXX. 

The last known address I have for him or his son is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I am a survivor of human trafficking ; I provided this information to Equifax multiple times and they still have not blocked information from my credit report.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : GENESIS CRDT ( Original Creditor : XXXX XXXX XXXX {$2300.00} XX/XX/year> 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I moved from XXXX to XXXX. I started the process to get my car title transferred from Hyundai Motor Finance in XXXX through XXXX XXXX XXXX in Audubon so I could register my car in the state of Pennsylvania. I called Hyundai Motor Finance multiple times in XXXX and XXXX for updates on the title transfer process - each call an agent would tell me a different thing. Sometimes they said the process would be completed in a few business days, sometimes they said they were waiting on documents ( even though the documents were already sent and the Auto Tags location confirmed they received it ), sometimes they said they couldn't send the title because it wasn't a notary location ( XXXX XXXX XXXX is a notary location ). 

Hyundai Motor Finance would give me false timelines- they would say I would have an update in XXXX business days and I would call back in XXXX business days and they would say they have no updates and no information on when the title will be processed or when it will be sent. It is now the end of XXXX, I still do not have my title to complete my car registration in Pennsylvania, and I received a letter from the DMV that my current California car registration will be revoked and I will lose my license if the registration is not completed by the end of the month. 

I am at a loss here- I can not get someone from Hyundai Motor Finance to tell me a real timeline or what the hold up is. I'm given different information and timelines every time. They told me on XX/XX/XXXX that the title was printed and just needed to be sent via mail and will be completed in XXXX business days, but it still has not happened. I am going to lose my car registration and license because of their business incapabilities.
Product: Credit card

XXXX XXXX I received XXXX letters from Continental Finance in regards to my XXXX XXXX XXXX XXXX XXXX  accounts, stating that Terms and Conditions will change and they will start having a XXXX $ annual Fee & maintenance fees will increase from {$10.00} a month to {$15.00} a month as well as interest rates will be raised to 35.9 %, which is predatory, it states if you do not agree to new Terms and conditions to call the number on the letter to opt out and account will be closed. I paid both balances in full and attempted to close both accounts, I believe their system is set up in a fraudulent way, as it will tell you " thank you, you opted out " have a great day, after a long pause it will state " sorry there was an error opting out, please try again later '' Many Customer would have probably hung up after the initial " thank you, you opted out " *** it took me several hours to close the accounts, I had to call in several times to confirm that both accounts were closed, now today I receive a letter in the mail stating " the charging privileges on you XXXX XXXXXXXX HAVE BEEN SUSPENDED DUE TO UNUSUAL ACTIVITIES. PLEASE KEEP IN MIND THAT THE TEMPORARY SUSPENSION OF YOUR ACCOUNT DOES NOT AFFECT YOUR OBLIGATION TO PAY THE BALANCE ON YOUR ACCOUNT, ADDITIONALLY YOUR ACCOUNT REMAINS SUBJECT TO FINANCE CHARGES AND FEES IN THE CARDHOLDER AGREEMENT. ************** this is absolutely not acceptable as I closed the account and the account is paid off, there should not be any notice letting me know I am subject to fees, when I closed the account. This is scam behavior and these companies need to be held accountable for their predatory practices. Their customer service is absolutely not helpful at all, receiving such letter is causing me a lot of stress, as this wrong information could result in getting the account closure reported wrong on my credit.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$1800.00}. 
I did everything I could to contact them. I sent this money to my father on my end it showed sent his end it never appeared still hasn't. They have no response at all for where this money went. 
So I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent lawsuit filed by the CFPB, which highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle properly investigated my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed 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 deeply troubling and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Acct # XXXX This account has been charged off, account also states profit loss write off it should not be reporting with a balance this is a clear violation of the fair credit act.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Mortgage process was started on XXXX XXXX. I have submitted every document requested within 2 business days, however, 4 1/2 months later this loan is not closed. Originator has been good to deal with but at this point I have received XXXX closing disclosure documents. The appraisal report is dated XXXX XXXX and a closing was tentatively set for XXXX XXXX but no one showed up to our location. There a plentiful excuses but I would just like this project completed.