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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

iam writing to formally express my concerns regarding the Zelle 's 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 CFPB 's finding indicates 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: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified dispute letter to Experian requesting the removal of incorrect personal information from my credit report. This request was due to a recent data breach and because some of my personal information was simply incorrect. I included supporting documents, such as my passport, SSN, and a bank statement. Despite this, Experian responded by claiming someone else submitted the information and refused to make the corrections. 

XXXX promptly corrected my information, but Experian continues to delay. With the 30-day deadline approaching, I believe Experian is violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which mandates they investigate disputes within 30 days, and 15 U.S.C. 1681b, requiring them to maintain accurate records. 

I kindly request the CFPB investigate and ensure Experian complies with the law to resolve this issue. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting inaccurate information on my credit report. Please update each account correctly as I pointed out listed in my dispute letter.
Product: Debt collection

This company Credit Services has violated multiple FDCPA and FCRA statues in their attempts to collect a debt that is not owed by me. They have illegally reported a false debt to the consumer reporting agencies without fisrt trying to get ahold of me the consumer as they proceeded to park a un-verified debt automatically to my consumer credit reports using my personal non- public financial information which is against the law. I submitted to Credit Collections services a Refusal to Pay / Cease and Desist letter which is attached to this complaint and they still are doing collection attempts and communicating to third parties about a allege debt in my name. Credit Collection Services eill be name as litigants in my upcoming FDCPA / FCRA lawsuit.
Product: Credit card

I have held this credit card for over a year and have had no late payments, have used it quite a bit, and have also had no late payments on any of my credit accounts for years. On XX/XX/XXXX I submitted a {$2000.00} payment on my credit card that was at {$2800.00} ( at the limit ). A couple days later on XX/XX/XXXX they sent out my statement and at the same time a letter saying that they are reducing my limit down from {$2800.00} to {$960.00}. Which was left me just under {$30.00} of available credit, after making this {$2000.00} payment. In using this card for years and under the expectation I would have that credit line available to me, it is extremely damaging to my finances to completely unexpectedly lower my credit limit. On top of this, they stated it was based on a credit report that was pulled in XX/XX/XXXX ( over three months ago ). I'm not sure why they would do this, as I've been a loyal and timely customer, gainfully employed, they have maken plenty of interest off of my account no problem with me paying. It is a shock, as I'm trying to reduce my overall credit utilization across my cards, that now this card is basically reporting 100 % credit utilization, when it should have been down to 25ish % based on the credit line and how much I paid. I called them today on XX/XX/XXXX and they say they regularly do this every 3 months and I could ask for a credit line increase, so I asked to be restored to my original and never changed credit line of {$2800.00}, which they declined on the phone. Furthermore, when I called on XX/XX/XXXX to make the payment, there was nothing said about any review of my credit line or creditworthiness or anything like that. Ideally I would want the credit line restored back to normal, though I really don't want to pay another XXXX to this company. But I fear that if I pay it and close it out, it will further hurt my credit as a closed account. Please help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX  XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX Bank. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the account.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

This is concerning XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( XXXX EX XXXX ) and B of A provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. 

This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was XXXX in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. 

It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX Account # 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. 

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Original balance {$10000.00} XXXX XXXX XXXX Balance {$330.00} Balance updated XX/XX/XXXX Original balance {$330.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Balance updated XX/XX/XXXX Original balance {$630.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$270.00} Account number XXXX Date opened XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

I submitted a dispute to TransUnion regarding a fraudulent account appearing on my credit report. This account does not belong to me, and I provided all necessary documentation to support my claim, including : A police report proving that I am a victim of identity theft. 
A notarized identity theft affidavit in accordance with the Fair Credit Reporting Act ( FCRA ). 
Additional supporting evidence showing that I did not authorize this account. 

Despite submitting clear and valid documentation, TransUnion failed to properly investigate my dispute. Instead, they responded by stating that they were " unable to determine the nature of my request '' or that my request was " illegible. '' This response is unacceptable and appears to be a deliberate attempt to evade their legal responsibility under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

After their so-called investigation, TransUnion verified the fraudulent account as accurate, even though I provided evidence proving that the account was fraudulent. This decision has caused significant financial harm, including : A lower credit score, negatively impacting my ability to obtain credit. 
Financial stress, as this fraudulent account remains on my report. 
Emotional distress, from dealing with repeated disputes and being ignored. 

Since TransUnion has already failed to act in good faith, I am now escalating this issue to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance.
Product: Checking or savings account

My bank account was robbed as well identity, The bank has another name on my account, I can not get in wrote them 5 times they ignored me, The bank refuse to allow me in they or doing overdraft over XXXX dollars, they have been stealing from me when I requested help of life lock XXXX they continue to bill me, the contract with chase bank states once my identity was stolen they would give me my money back they breach the contract, I am loosing everything, Life lock also breached there contract my case number XXXX I am XXXX with forth stage XXXX both taking advantage Life Lock is doing the same, it States that it would pay bill 2 years life lock Racketeering, I ca n't pay for my XXXX treatment they or going to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts below are reporting on my personal credit file with EUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

=XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Some tried to open an account in my name at Capital one, I will not open cards at all in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Credit Unions XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey i have a problem. My account keeps having these loans on my account that I didnt take out and the times and dates they said I did is inaccurate. Its been more than 7 yrs and this XXXX is still on my report and I am requesting these student loans to come off my credit. I will keep writing letters and sending messages and emails and reaching out to the fbi and making a police report. I just want to be able to handle this responsibility. Thanks you
Product: Debt collection

I originally opened an account with XXXX XXXX XXXX  on XX/XX/XXXX. Due to unforseen circumstances ; I was terminated from my job and without income for a year. I fell behind on my card payments but eventually set up payment arrangements with XXXX XXXX to rectify the balance. Nevertheless, XXXX XXXX sold the account to Resurgent Capital Services on XX/XX/XXXX. At the time of the sale of my debt ; the balance was only {$250.00} and by the time Resurgent contacted me ; my prior arrangement with XXXX XXXX as well as my payments toward the debt were not calculated into the remaining balance. After making numerous payments to Resurgent ; my account has now been placed with LNV Funding LLC with a new amount different and outrageous than the last amount stated and/or agreed upon. Upon contacting Resurgent to get corrections to the amount, a letter confirming paid status, as well as promise to delete and/or notify XXXX, XXXX, and XXXX of the errors has failed. I spoke with agent XXXX of Resurgent on XX/XX/XXXX and she notified me that they would not send me any information regarding the deletion and/or clarification of being overly billed for the account in question. Upon contacting LVNV Funding ; they stated that the amount of {$700.00} was owed, which is the original amount of the sold debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XX/XX/2021
Product: Mortgage

I paid off my partners  loan by wiring {$160000.00} on XX/XX/2024 to Freedom Mortgage Company. He passed away over 2 years ago and because I was not on the Mortgage so they would never speak to me. I was named his legal representative in his will and my name is on the deed. They force place hommeowners insuance on me even though i already had insurance on the property They refused to accepts it because it was not in my partners name. I was told by an agent that they received my wire transfer and that I overpaid. Also they have not allocated the funds to the payoff. I'm still receiving bills in my partners name with late charges not added. I've now had 3 unallocated payments to this company with late charges added because of this forced placed insurance even though the loan in completely paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received an alert from XXXX  that a credit inquiry was listed on my credit report from XXXX, XXXX. I have never ever even spoken to anyone at this company or about their product. I called the company to file a complaint that same day and explained to them that I did not authorize any credit report being pulled nor have I spoken to anyone at this company before. The customer service rep took down my name, email address and phone number and said she was going to forward my information on to get this investigated and would advise of the outcome. 

Then on XX/XX/2018, a XXXX sales rep knocked at my door to try and sell me services. I explained to him that I thought it was ironic that I had just received a hard credit inquiry on my credit report. He stated that he wasn't sure why that would happen because he didn't have my social security number but they can pull a soft credit inquiry to offer services when they are out in neighborhoods. He said it could have been a soft hit but nothing more. I explained to him that I had never had a conversation with him or anyone at this company about providing services and they did not have my authorization to pull anything on my credit file. I told him that I filed the complain with XXXX and that I wasn't interested in anything he had to sale. I am under a 3-year contract with XXXX and therefore I would not have any need for anything they have to offer nor was I interested especially if they violate consumer protection laws. He apologized and said he didn't think it would be a hard inquiry because he didn't have my information. He could only use my address.
Product: Money transfer, virtual currency, or money service

Zelle was not concerned and the problem kept happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has my SS #. They are hacking into credit repair and changing my address with TU. I have a fraud alert set up! Thats how I caught it today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed from my credit report, someone fraudulently attempted multiple banks/credit unions loans. Contacted Lending Club Bank to report fraud. They stated since the application is pending theres nothing that can be done. Until I randomly check back days later to see if the individual got their loan on my name/social. I told them by then its too late the fraudster would have the money. They stated until the loan is approved they cant do nothing. I told them to stop the application its fraud. They refused. Also this bank is listed twice on my report with two different branch addresses. They confirmed they own both branches. My credit report show two different accounts attempting to open by both of their branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three Credit Agencies Experian, XXXX, XXXX are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1200.00} Original creditor : 11 XXXX Remarks Placed for collection Original Creditor Name 11 XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - 1. Called credit to pay collection, XXXX  XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$310.00}