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

XXXX XXXX once again refuses to say how they can demand a signature on an identity theft report that's produced by the federal government and they can break the law section 605B of the FCRA by not blocking the items within 4 business days. There is a fradulent a dress on my XXXX XXXX XXXX report that was attached to a fraudulent account that they already removed, And yet they're claiming that I gave them this a dress on the phone and I'm telling them it was the fraudster probably. They have a police report that signed and good back to XXXX and this fradulent a dresses from XXXX and yet they are not blocking it they're asking me to go get something else notarized and sign which is totally against the law. 

The law is very clear in does not require what XXXX XXXX  is asking for. 
I want them to say how they derive the power to break the law simply because of a request they come up with as opposed to what the law says and requires. 
Because the FTC report says a business may require that a report be filed with the local law enforcement, It's not mean they can break the law and not block within 4 business days because the law allows them to put it back on if they find something amiss. They still have to block within 4 business days they can't add more time to the law is my claim and what they are doing is breaking the law. That's what I want stop because I'm sure they affect more than just me you don't have to act for an individual but act on the company that's breaking the law. 
I made a statement under the penalty of perjury which courts and the law say is sufficient in lieu of a notary. XXXX XXXX is not accepting this and they're demanding more from me which is a 100 % against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give y Equifax permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). Which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 

Please furnish a copy of the original promissory note redacting my social security number.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX BANK XXXX Account number XXXX XXXX XXXX TXXXX XXXX Account number XXXX 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 which antedates the report by more than XXXX years. 

15 U.S.C 1681s-1 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the
Product: Mortgage

I applied for home refinance under XXXX guidelines at Wells Fargo who is my current lender. I asked the first customer service representative if it mattered if I receive mail at a different address other than my primary address and was told that my mailing address did n't matter. I was also told that I had until XXXX XXXX, 2015 to pay off my small XXXX mortgage. A few days later, a second customer service representative called me who now says that my mailing address does matter, and I have to submit proof of receiving mail at my primary address. The only bill I receive at my primary address is my trash collection bill, which is what I submitted. I then receive a phone call that my loan was denied because I could n't prove my primary residence and because I did n't pay off my XXXX mortgage ( even though the XXXX of XXXX had n't arrived yet ). A few days after that, I received a call from the XXXX customer service representative who now says he wants to help me get the loan and that I was only denied because I had n't paid off my XXXX mortgage. I ask him about the address problem, and he was n't aware of it. I ask him to send me an email confirming tentative approval pending XXXX mortgage payoff and he said he would. I did not receive the email nor did I receive any follow up phone call. After a couple of days, I called and asked to speak to a manager who apologized and made excuses for the misinformation but told me I was still denied. I believe I was deceived by Wells Fargo and was denied a XXXX refinance because they would have lost revenue by refinancing my higher interest rate loan to a lower interest rate loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are still currently updating on my credit file that were included in my XXXX Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attachments will describe the issues which involve : 1. XXXX  failure to comply with Fair Credit Reporting Act ; 2. Failed to correct incorrect derogatory information in my file ; 3. Exhausted myself providing evidence that refutes information contained in my credit report ; 4. Failed to include statement in my credit report sent certified mail 3 bureaus ; 5. Failed to notify me that they had frozen my account ; 6. Failed to notify other credit bureaus ; 7. Failed to provide a credit score and report as recently denied credit.
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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX  : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX  : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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: Credit card or prepaid card

I logged into my Citi credit card account in early XXXX when I realized my credit card was about to expire and I had not received a replacement card. It was at that time I noticed a letter informing me ( just a few days earlier ) that my credit card reissue had not been approved. After calling Citi, I found out that letter was to inform me that Citi would be closing my account.

Over the last few years, I accumulated debt while working in public service in a fairly expensive city. My payment across all credit lines wasn't perfect, but my payment history w/ Citi was " exceptional ''. I have always made on time payments and often made multiple payments w/in a cycle. While I carried over a balance, often a high balance. I was consistent in making on time payments for 4 - 5 years so  I was shocked when the letter informing me of closure - not only informed me of the closure but also referenced information that was't entirely accurate. 

I called to follow up, however the representative shut me out from speaking to anyone who could give me real answers or appeal the decision. The representative simply stated I'd have to wait until the end of the month to ask Citi to reconsider, so I did. 

When I called - I asked the bank to reconsider opening my card and was informed that there were several questions I'd need to answer. I did. The last questions wasn't really a question but rather a notice informing me that the bank would pull a credit report. I indicated I didn't want to pull a report and asked if that would disqualify me from reconsideration. I was informed that it was just one thing to be considered - and that the request was submitted.

The next day I received communication that since I had withdrawn my request, my card would remain closed. I am confused and still in disbelief. Why would a credit card company treat its customers so poorly. Especially during a pandemic.
Product: Credit reporting or other personal consumer reports

I have 4 hard inquires on my credit i do not recognize. The first 3 are from XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX then the last 1 is from XX/XX/year> - XXXX. None of them are connected to open accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

XX/XX/XXXX, per the card holder agreement, I submitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. BNY Mellon received the documents XX/XX/XXXX ( see attached letter and proof of mailing ). 

XX/XX/XXXX, per the card holder agreement, I resubmitted the fraudulent activity to BNY Mellon in writing with all unauthorized transaction highlighted. The letter provided my email as a form of contact, so we could setup a time to speak. ( see attached letter and proof of mailing ). 

XX/XX/XXXX, I received a letter from BNY Mellon dated XX/XX/XXXX indicating they could not reach me via phone and therefore closed my case. The letter provided the agents phone number. ( see attached letter ). 

XX/XX/XXXX, I called the agents number listed on the letter received 7 times and left numerous voicemails. I also called the BNY Mellon number listed on terms of agreement and requested fraud claim be reopened and for another call back. I then researched other corporate numbers for BNY Mellon and made numerous calls to regarding this fraud. See phone records attached. 

XX/XX/XXXX, increasingly frustrated I could not get in touch with a fraud representative, I sent another letter regarding the fraudulent/unauthorized activity and demanded an investigation. ( See attached XXXX  label/Receipt ). I also sent a copy of letter mentioned above to the return address on the letter received XX/XX/XXXX. 

XX/XX/XXXX, I submitted complaint to CFPB, which included all the unauthorized transactions ( see attached ) XX/XX/XXXX- BNY processed PART of the claim and I was refunded a partial amount XX/XX/XXXX- I informed BNY Mellon that only part of my claim was processed and relisted all transactions for easy reference ( see email attached ). 

XX/XX/XXXX- BNY Mellon confirmed they were processing the remaining transactions ( see email attached ).

XX/XX/XXXX-To date, BNY Mellon has not responded or processed the remaining portion of my claim. My attempts to reach out via email and phone have been ignored. BNY Mellon is in violation of regulation E.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS ATTN : CONSUMER RELATIONS XXXX XXXX XXXX. XXXX XXXX XXXX, MN. XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl. XXXX RE : XXXX XXXX XXXX RE : XXXX XXXX RE : PREVIOUS DISPUTE LETTER CONSUMER ID : XXXX Dear Sir/Ma'am, NOT A REINVESTIGATION CEASE ALL COMSUMER REPORTING UNTIL REQUEST ARE COMPLETE. 
I  XXXX XXXX/Consumer to ChexSystems in response to your bank statements from XXXX XXXX XXXX and XXXX XXXX these items were not sufficient verifiable information. I would like to request additional documentation for my records. You state the accounts were verified and updated, yet you did not provide me with the documentation used to verify each. Please send me all information with my signatures agreeing to give XXXX XXXX  XXXX and XXXX XXXX permission /authorization to sell/report/share/transfer any of my information with ChexSystem, as this is illegal according to FCRA. If your agency has any other supporting documents to prove I gave my written permission/authorization please send them as soon as possible. 

Per your status sections on the account ( SUSPECTED FRAUD ACTIVITY ) what is your JURISDICTION? Please share with me more information on your data systems used to determine a Consumer 's worthiness. I do understand several of your data systems require permissible purposes from Consumers. Please help understand your data system scoring, functions, PERSONAL/PUBLIC RECORDS ( how are they protected ), cross-referencing your customer. QUALIFILE, XXXX, XXXX, any information pertaining to me within your data systems outside of the disputed items please send for my review and personal records. PLEASE PROVIDE MY FULL CONSUMER DISCLOSURE FILE NOT CONSUMER REPORT AS YOU HAVE ALREADY PROVIDED THIS AT MY FIRST ROUND.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found that several of the accounts on my XXXX, Equifax and XXXX accounts were put on there without my consent. According to 15usc 1681b ( a ) 2 In accordance with the written instructions of the consumer to whom it relates and 15usc1681 ( a ) i report containing information solely as to transactions or experiences between the consumer and the person making the report. Affidavits have been sent to each reporting agency. Accounts that are in question are : account XXXX XXXX XXXX XXXX XXXX XXXX, CXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX {$1200.00} XXXX XXXXXXXX {$160.00} XXXX XXXXXXXX {$64.00} XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXXXXXX {$4400.00} XXXX   XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX {$1300.00}
Product: Debt collection

I am not aware of this alleged debt and the collection company that is collecting the debt. I ask for an original bill of the debt and company didnt provide me with such details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  This company is reporting fraudulent inaccurate information on my credit report. 

This company is not authorized to conduct business in my state first of all. 

XXXX XXXX XXXX Also I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. They have not provided this and have not done a proper investigation.
Product: Credit reporting or other personal consumer reports

I had a dormant checking account in which someone deposited a small check a year after I had moved to a different state. 

No one from XXXX  called me and i had no idea there as a check processed with insufficient funds. 
After I noticed a personal loan write off from XXXX on my credit card, I paid immediately the {$87.00} fees and requested they remove the erroneous record from the credit bureaus. 
They did not. I called and emailed several times and XXXX has illegally updated my credit profile which I did never had a personal loan with XXXX 

I opened disputes on all three credit bureaus to no avail. 

They are damaging my ability to secure auto financing, credit cards and personal loans by leaving a fraudulent and erroneous record on my credit profile. 
Please help.
Product: Credit card or prepaid card

My account with Comenity has always been on minimum balance autopay since it was opened in XXXX of XXXX. I decided to switch my account to maximum balance autopay on XX/XX/XXXX. After processing this transaction online through Comenity, I received an email confirmation. However, Comenity failed to process auto payments for XXXX and XXXX. I reached out to Comenity on XXXX XXXX and expressed concerns about the failed autopayments, late fees, and the negative results of what would now be my credit score. Comenity waived the late fees, and I was told to reach out to the credit bureaus myself. I asked to speak with someone in their credit department to assist me with a letter stating the situation but was unsuccessful. 

I have attached the email confirmation of my autopay request. My account with Comenity has always been paid, and now with failed autopayments that Comenity did not see through and I'm left to spend time and energy in order to write disputes to XXXX, XXXX, XXXX and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Student loan

Due to the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable back to the payer. I made payments on my federal loans to Aidvantage during this time. I requested a {$26000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried about when the physical money gets back to me, since that has to come from the Department of Education, but I would have expected the loan amounts to reinstate on the Aidvantage website by now since they have a legal obligation to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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 findings indicate that Zelle has not only neglected to protect consumer 's 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

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 XXXX XXXX  XXXX 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 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.