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

NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX, SINCE I HAVE BEEN A VICTIM OF N IDENTITY THEFT, BUT FOR SOME REASON XXXX   REFUSES TO HELP ME IN RESOLVING THIS ISSUE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim identity theft and I found some unauthorized inquiries reporting on my credit report and I requested that the bureau 's remove them from my credit report on XX/XX/2021 and they failed to remove all of the unauthorized inquiries from my credit report. 

I have requested that they remove XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX and they are still reporting on my credit report. 

Please see the attached identity theft affidavit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute to TransUnion through the CFPB portal under CFPB Complaint Number : XXXX, providing all required documentation under 15 U.S. Code 1681c-2 to block fraudulent accounts from my credit file. Specifically, I identified two fraudulent XXXX XXXX accounts, one XXXX Bank account, and others for removal. I provided : Proof of identity, including my full name ( XXXX XXXX XXXX XXXX, date of birth ( XX/XX/XXXX ), last four digits of my Social Security number ( XXXX ), proof of address ( XXXX XXXX XXXX, XXXX, FL XXXX ), and government-issued photo ID. 
A valid Identity Theft Report ( Report # XXXX ). 
Clear identification of the disputed accounts : Account Name : XXXX XXXXXXXX | Account Number : XXXX | Type : Credit Card | Date Opened : XX/XX/XXXX. 
Account Name : XXXX XXXXXXXX | Account Number : XXXX | Type : Credit Card | Date Opened : XX/XX/XXXX. 
Account Name : XXXX BANK | Account Number : XXXX | Type : Secured Card | Date Opened : XX/XX/XXXX. 
Despite satisfying all statutory requirements, TransUnion only removed three of the six disputed accounts. 
On XX/XX/XXXX, I filed a follow-up dispute under CFPB Complaint Number : XXXX, reiterating that TransUnion had failed to block the fraudulent accounts. In their response dated XX/XX/XXXX, TransUnion declined to block the two XXXX XXXX accounts and the XXXX Bank account, citing reasons such as payment histories, prior disputes, or account opening dates that predate the fraud report. These justifications are irrelevant and contrary to 15 U.S. Code 1681c-2, which mandates that Consumer Reporting Agencies ( CRAs ) must block identified fraudulent information within four business days of receiving proper documentation. 
Additionally, TransUnion failed to meet its obligations under XXXX5 U.S. Code 1681i, as it did not provide : 1. Details of the investigation process, including the names of businesses or financial institutions contacted, or evidence relied upon to verify the accounts. 
2. Written confirmation that the dispute was investigated and resolved within the statutory timeframe. 
TransUnions refusal to block these accounts constitutes willful noncompliance with federal law, exposing me to continued harm from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Bank of America Credit card which was fully paid off which I didn't use for approximately 8 months. This was back in XXXX. I hadn't been using the card and it had a {$0.00} balance so I just kept it in my safe at home. Unbeknownst to me, there were fraudulent transactions on the card for measly amounts of {$15.00} and {$20.00}. I was never alerted of this by Bank of American and I never received any statements or mail on this matter and I thought the balance was at {$0.00}. The only time I found out was 6 months later when it finally reported on my credit Report and showed that I had 3 missed payments which is impossible. It showed the missed payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I called and tried to explain to Bank of America to no avail. I paid the late fee and the full balance amount as soon as I found out about it. I have been fighting with Bank of America through several other credit repair companies and there had been no avail. I am extremely diligent and have never missed a payment with any other creditor or any other credit card company. It only happened this one time because my card was fraudulently charged and I have been trying to get this off of my credit report since XX/XX/XXXX when I found out about it.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account # XXXX Bal : {$970.00} XXXX. XXXX Account # XXXX Bal : {$1600.00} XXXX Account # XXXX Bal : {$0.00}
Product: Credit reporting or other personal consumer reports

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Account number XXXX
Product: Credit reporting or other personal consumer reports

Experian has repeatedly informed your agency that they are resolving the issue, and claims to submit information to me but I have been unable to see anything pertaining any of my complaints they are basically feeding lies to clear themselves from me reporting to you guys. 
They also have hard inquiries on my account that were not authorized by me even after verification of identity theft Experian still intentionally violated Not to mention on XX/XX/year> the randomly lower my score for an account balance that I have not had for over 30 days see attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX BANK XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit exposing critical flaws within the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed to safeguard 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 significant concerns about consumer protection.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account XXXX : [ XXXX ] Account Number : [ XXXX ]
Product: Vehicle loan or lease

I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORPORAT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Product: Mortgage

I started my refinance process with Lowrates.com back in XXXX of 2020. 
My loan Officer is XXXX XXXX My loan processor is XXXX XXXX Their Sales manager is XXXX XXXX Its now been 6months and they still have not given me a day to close on my loan. This is despite the fact that I have received a loan approval. Throughout the refi process I have responded and given them EVERY piece of documentation WITHIN MINUTES of them requesting it. I've even gone as far as doing " their '' job by getting my own mortgage payoff quote directly from my lender. Because in their own words, " I CAN GET IT MUCH FASTER THEN THEM ''. BTW, they have now asked me to get a payoff quote 4 SEPARATE TIMES, because the payoff " good thru date '' they ask me to ask for expires. They even asked for my tax returns ( for a second time ) after having my loan supposedly in process for 3 months. It's my understanding that tax returns, credit scores and debt ratios are verified at the VERY BEGINNING so that the company and CLIENT don't waste time and/or money. These are all examples of poor customer services, inadequate training, leadership and lack of processes. 

When I ask them for a status or why its taking so long, their response is " its due to covid '' or they forgot something or they didn't realize I needed an appraisal done ( after they had the loan application for 5 mos that is when they realized that mistake ) but the response I get MOST OFTEN FOR THE LAST 2 1/2 mos is " SILENCE ''. My emails, phone calls and text msgs to every person I mentioned above are just ignored. No sorry, no explanation they just simply go unanswered. When I do hear back from them it's to ask me for another " CURRENT '' bank statement, another " CURRENT '' paystub, another " CURRENT '' letter from my XXXX  that I'm still in business, another verification of employment or needing another credit inquiring response letter from me. Once again this is lack of procedures and gross mismanagement. I can't believe that this isn't costing the company money because of the rate lock extension fees XXXX which they are trying to make me pay XXXX. 

I did contact the sales manager XXXX XXXX back in early XXXX to voice my grievances and lack of communication. Unfortunately, after leaving a message on my phone that stated that he was unaware of any problems on my loan but that he would look into it and get back with me I have yet to get another call or message. 

The only reason I'm sticking with this company though is for the simple fact that now with interest rates rising I would be locking in a higher rate. Believe me I would much rather take my business elsewhere if it would not cost me so much with a higher interest rate. 

So I'm asking for help in getting my loan closed and at the same time report this company and its employees for their complete lack of care, understanding, compassion and horrible customer service.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from Venmo informing me that unusual activities had been detected on my account, and I was required to provide additional information to verify my identity. I promptly complied by uploading my ID via the Document Upload Form as requested. 

However, on XX/XX/XXXX, I received a follow-up email from Venmo stating that there was nothing more that could be done to unfreeze my account and that there was no further information I could provide to resolve this issue. Since then, I have made numerous attempts to contact Venmo via email, phone, and the in-app support feature. Unfortunately, my messages have either been ignored or met with the same responsethat nothing further can be done to assist me. 

This situation has caused me significant inconvenience and financial distress. As a customer, I believe I am entitled to a clear explanation of the reasons behind the suspension of my account and the withholding of my funds. Furthermore, I believe it is unacceptable for a financial service provider to withhold a customer 's money for over six months without providing a satisfactory resolution or proper communication.
Product: Checking or savings account

Wells Fargo charged me additional overdraft fees and enrolled me products and services without my knowledge and consent. XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was charged for services through XXXX that were never delivered but werte charged to a loan account in my name through GreenSky
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/19, I received a call at my work number from XXXX, When I said hello, they hung up. On XX/XX/19 at XXXX, I received a call from the same number at work stating that they were calling me to collect a debt from a payday loan company that gave them the loan. The person said her name was XXXX from the National Credit Adjusters and the company was located in XXXX. 
She asked to resolve my debt by a payment plan by phone. I told her that I would go to their website get more information and she told me that they would not work with me. I concern is that I was part of those person who credit was breached by the XXXX   situation and the fact that this person was calling me from XXXX. I need to know if I can use the do not call registry. because I believe this is a scam. Your assistance is appreciated.
Product: Vehicle loan or lease

I have called twice today XX/XX/XXXX, and called about 3 weeks ago requesting proof that my car has been paid off ( which it has for about 3 years ). The time i called three weeks ago i was told that Ford sent the lien release to the DMV of Maryland. I called the DMV of maryland who said they dont get sent that information. 

The two times i have called today i was hung up on when getting transferred to the ford motor credit company and the time i called them on my own, they didnt have my social on file so i couldnt get through to anyone. 

I then called again to speak to a manager which i have now been waiting for 2 hours to get a call back. 

I just need the lien release to my car, something the DMV doesnt have and dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and  have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the Rise account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan account from XXXX XXXX that is reporting late payments from when I was enrolled in school full time and should have reflected deferred payment, NOT late payments. It's correct that I did settle the account for less then the high balance of {$8400.00} after negotiation with XXXX per my family hardship - but it is NOT correct that I was ever late ; as these payments would have been deferred since I was in college at the XXXX XXXX XXXX in XXXX XXXX Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to pay my account timely due to the COVID 19 pandemic and would like the late payments reported on my credit report removed. Once my business picked up and I was able to secure additional financing, I paid the loan off completely.