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

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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, and XXXX XXXX have all applied unauthorized inquiries to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved with the Wells Fargo data breach and was victim of identity theft and also part of Wells Fargo unauthorized accounts settlement back in XX/XX/XXXX class member XXXX. Im writing because this is still on my credit report. Even after I received compensation for this its still on my credit file for XXXX  dollars which is not much money but for the 7 years this has been tormenting my life Ive disputed many of time with no progress Im writing to you because Im the little guy here an I guess my voice isnt loud enough I assume its been purchased by another collector I cant seem to pin this down but Im paying for someone crime and receiving under XXXX in compensation for the years of negative remarks on my credit multiple times and I jus learned that when I disputed an they updated they updated the actual date that I disputed so it seems 7 years never get there which I was like XXXX it but now I found this and hopefully I can get you the information they neglect to either honor or check so others do not fall victim to this circumstance. The information I was given was that it was a secured card for 300 dollars I looked this an noticed that the 300 was paid or falsely paid and left the balance of XXXX. If my calculations are correct Wells Fargo the owes that thief some change yet Im suffering this limbo i dont understand but Somehow I can call up and they have my information and its even today I called and the lady had pulled my account from my social and phone number they do not have a correct address and my mothers maiden name like she asked As if I dont know my own mothers maiden smh she said to call back but Ive called plenty of times because I dont know the fake answers to my life this thief had put down I cant get any further Im asking anyone with any answers please what do I do next from here how can I get this blemish off my record so I can now be a XXXX XXXX yr old father of XXXX because I cant get my credit fixed to buy my family a house or a car I have an amazing job in new your city pays very well am I supposed to jus pay the XXXX which I could of easily of done but would be right i dont so Ill take this on the chin but Im fighting this all the way Wells Fargo I cant get information needed to even give facts here what is next for me. Ill keep researching. But all I have is a measly settlement for years of Wells Fargo updating my I guess date opened its been 7 yrs already but the last disputed they updated to XX/XX/XXXX when the initial account was open in XXXX ughhhhh
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still items that need to be fixed and deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 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 U.S.C 1681. 


I told XXXX, Equifax and XXXX to reinvestigate these hard inquiry accounts : Ran on XX/XX/XXXX through 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. Lastly for Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX again. Yes XXXX, was ran twice with Equifax the same day/same time. 


All of the hard inquiries from XX/XX/XXXX was ran by, XXXX XXXXXXXX XXXX XXXXXXXX at XXXX XXXX in XXXX, CA without my consent. XXXX XXXX from XXXX XXXX in XXXX, CA who is a fleet XXXX at that location, sold me my car. XXXX promised he would not run the " shotgun '' credit pulling option on me as I alerted him ahead of buying my car that I would not unlock my credit report if he did not agree to only run my credit at a maximum of only XXXX  times. I did agree to have my credit ran by XXXX XXXX XXXX 



I wrote letters to the credit bureaus for these as well. 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  Equifax, XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take these unauthorized inquiries off of my report as well, Thanks! 



I also asked them to remove all addresses, except my current address. I also ask them to remove employment and phone numbers. However, they stated everything was complete and accurate. But, how is that possible if the open date, date of last activity and much more is incorrect? According to 15 U.S.C 1681 I ( 5 ), They are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions. 15 U.S.C 1681 c ( 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 crime 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I placed a security freeze on my credit file with all three agencies. In XX/XX/XXXX, the freeze with Experian was removed without my knowledge or consent. 

I discovered on XX/XX/XXXXXXXX XXXX  that my security freeze had been permanently removed when I was planning to remove the freeze for a loan application. The freezes were still in place with the other two agencies When I followed up with Experian, they informed me that the freeze was removed XX/XX/XXXX, but could not provide any further information ( means of removing the freeze, etc. ). 

There were fraudulent address and phone number added to my credit in early XXXXXXXX  ( exact date unknown ), which has since been removed. Other crimes associated with the fraudulent activity are currently being pursued by the Department of Justice. 

Despite keeping the PIN required for removal of the security freeze secure, the freeze was lifted without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 an account without my written instructions Accounts that are reporting inaccurate information : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My TD Bank Cash Rewards credit card was stolen and a fraudulent purchase of {$320.00} was made at a local grocery store. When I reported that charge, I was also told a second purchase was attempted at the same store within the next few minutes for {$210.00}, but it was denied automatically because it was suspected as fraudulent. 

Several times ( at least four, but I've lost count by now ), I have filed a claim with TD Bank that the charge was fraudulent, and several times it has been rejected because the thief chose to make their purchase at the same grocery store I shop at ( albeit a different store number, which is indicated on the credit card statement ). TD Bank has stated that because the purchase was made at a merchant I have previous business with, it is rejected as fraudulent. I have re-filed the claim several times, explained the story to several customer service representatives, and I have faxed in the police report I filed. Each time, it still is rejected. 

The customer service representatives have told me there is no way for me to contact the fraud department directly to speak with them. I have requested a call back from the fraud department twice, and they have never contacted me or left me any sort of a message about how to reach them. I have offered to send in a surveillance image of the thief provided by the police officer I contacted, but I have been told by customer service they do not have an email address available for anyone at the fraud department. Without ever speaking to me, the fraud department just rejects the claim each time with the same designation ( denied because of previous business with the merchant ). Thus far, I have been unable to explain my story to anyone at the bank who actually has the power to reverse the charge.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 
Please Send updated Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments or was placed as charged off on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts nor they are charged off : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> I am reporting a fraudulent inquiries found in my credit report
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 consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
The lack of accountability and transparency is unacceptable and raised serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX at XXXX, {XXXX} was sent from XXXX through Venmo to what we believed was a legitimate person/ company XXXX Person : XXXX XXXX XXXX  ). 

The person was to send items to me in exchange but as it turned out he was a fraud and never sent any items. In an effort to get the money back neither Venmo or XXXX have helped resolve the issue or even give us more info of the recipient to we can file a civil matter. 

The regulations seem very inadequate for services such as Venmo
Product: Student loan

At first I remember I was making small payments while I was in school which I could afford. I believe I was paying about {$15.00} per month. I was only in the school for one year ; I could not return because I lost the only transportation I had & I also got injured on the job that left me XXXX for 3 months. My education cost was only {$27000.00} but somehow the private loan was for $ XXXX- $ XXXX (??!! ). Shortly after I was out of school I was still making payments, but now they were demanding more $ . They refuse to lower my montly payments or provide me with some assistance such as forebearance, deferrment.. Just anything.. They were always extremely rude. Honestly, I dont know how people had a joy working for them. During my time of employment they would harrass me with calls at all hours even on Sundays demanding I pay them {$400.00} a month payments and they love to make threats to garnish your wages. I honestly told them that all I may be able to pay is $ XXXX- {$150.00} a month and they still refused. I mean thats horrible! You are still going to get something from me. My school changed its name about 2-3x 's because they 've been sued so many times because the education was just horrible & now the school is officially shut down. I tried applying for loan forgiveness and they denied me because I left before the school was closed down. XXXX/Navient is the biggest debt I owe and has affected my credit score badly. I can only pray tgat one day Justice will be served & loans will be forgiven. The name of the college was XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have enclosed the inconsistency for the XXXX XXXX XXXX. 
Im also request a copy of the actual contract with my signature on the for all account.. please delete .. if proof of signature cant be provided Please delete XXXX XXXX .. the balance still wrong at its XXXX XXXX XXXX XXXX XXXX XXXX and its been paid.. delete asap
Product: Payday loan, title loan, or personal loan

I borrowed {$900.00} from instaloan on XX/XX/2014. After making payments in the amount of approximately {$1200.00}, I ended up owing more than the original loan, I owed {$1000.00}. They've found a loophole to rip people off. They need to be closed down!
Product: Debt collection

This complaint is in regard to XXXX XXXX XXXX. I am unaware of the alleged debt they placed on my consumer report. I did not have the opportunity to dispute the alleged debt, and it was furnished on my credit reports. As a result, my character and reputation are being damaged per 15 USC 1692d ( 1 ). This is a violation. If in fact you believe you gave me proper notice, then please send me the certified receipt with my legal name on it and my signature.
Product: Vehicle loan or lease

I mistaking overlayed my truck payment on XX/XX/2018 causing it to be played off. I normally make my payment every month the same way with the same application. However after processing the payment I realized it played XXXX on the truck. I immediately called to stop payment but the bank told me they were not able to. The banker claimed she applied a request to reverse the payment. I called the bank every day to verify the process was going smoothly and every banker I spoke to has a different story. This morning a banker claims the loan account is closed and there original request for reversal was denied by the bank on Monday. I tried reaching out to my branch but the women in there claim the manager will call me back but do nothing.
Product: Credit card or prepaid card

Applied for a credit limit increase and was declined. Spoke with supervisor who said card was underutilized. Please see attached letter. Explained to him that capping my credit limit just because I choose to pay balance in full every month was not fair. Furthermore nothing in the credit card disclosure alerts the consumer that they may do that. Also in their commonly asked questions and answers for denial contained in the letter received, nothing in the Q & AS addresses under utilization. How a consumer chooses to manage their line of credit is their concern so as long as it paid in full and on time.
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 This account is showing inaccuracies on my credit report
Product: Checking or savings account

I have been having " Federal Withholding Tax '' taken out from my savings account for several times, I should not been charged this for my status as an XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance : {$41000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00}.
Product: Credit reporting or other personal consumer reports

I sent certified mail to all XXXX bureaus on XX/XX/2023 and again on XX/XX/2023 when they stated they verified all information, but never sent any type of proof. I asked them all to investigate these companies listed below according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), I stated they are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed below. I haven't received anything, but them stating they verified these accounts. 

Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if they are unable to provide me with a copy of the verifiable proof, they must remove the accounts which are listed below. 

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: Payday loan, title loan, or personal loan

On XXXX XXXX I sent and opt out of a arbitration and Dignifi fail to respond and sent me receipt of this request.I then again in XXXX XXXX mail a second notice to another one of the company known addresses and it came back not deliverable. Dignifi is not even licensed to do business in Texas and have no actual or legal address in Texas.How can I file a claim on a company that not licensed in the county of the suit .Dignifi initiated business with me through practices of deceptive and arbitrary flexibility regarding payment structure and customer service. They continued their relationship with me through abusive practices of misdirection and empty promises. They maintained a measure of unfair means of leaving by posting non-delivery addresses on their website and reports, also e-mails and links were returned saying those accounts were not active. Hopefully you guys will have better luck.
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 XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # 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, 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 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 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.