23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 financially 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and the is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed certified documents to update my credit report with Experian and I recived Notification on XX/XX/XXXX those documents were recieved & signed for by XXXX XXXX at XXXX in XXXX , Texas . The documents reflect there are 2 accounts ive settled XX/XX/XXXX. I have recorded & saved each call to Experian, XXXX, & XXXX XXXX. Ive also attacthed the multiple calls made as well as the date the documents were signed for. On XX/XX/XXXX XXXX i called and spoke with a representative to check status of the documents being recieved I was advised not yet & to check back. On XX/XX/XXXX XXXX I called again and spoke with a representative and was advised no documents were recieved yet & to check back I then requested a supervisor or another representative and I eas transferred to a survey & hung up on. I called back on The same day at XXXX and was advised to allow time for documents to be recieved. I called on XX/XX/XXXX XXXX I was again advised no documents have been recieved. I called again on XX/XX/XXXX XXXX and I was advised once again there are no documents recieved yet. I called on XX/XX/XXXX & I was advised no documents have been recieved so I requested another representative I was again transferred to a survey & hung up on so I called back on XX/XX/XXXX XXXX to get the same information. I called once again today XX/XX/XXXX XXXX i was told there are no documents I requested a supervisor the representative hung up on me. And here we are at this point almost 30 days later no documents recieved and Experian representatives hanging up on my while Experian continues to report innaccurate information. In 12 more days experian will be in Violation of the FCRA guidlines of putting my account in dispute status & getting my credit profile updated correctly which I will then be forced to file suit rightfully so.
Product: Credit reporting or other personal consumer reports

Hi I did not authorize these companies to run my credit or to try an open an account please remove this from my account from XXXX XXXX and Experian. On XX/XX/year> Bank XXXX XXXX was not authorized to pull and report to my credit. XXXX BANK on XX/XX/year> I also did not authorize. XXXX XXXX XXXX XX/XX/year>, I did not authorize. XXXX Services XX/XX/year> I did not authorize I tried disputing but it is still on my report please remove these from all three bureaus on my reports because this is fraudulent.
Product: Mortgage

My wife and I submitted an application to refinance our existing home mortgage with Navy Federal on XX/XX/2020. We have been in communication with Navy Federal for 5 months and they still cant give us a closing date and in the meantime they are collecting interest payments from us for our existing mortgage with them at a higher interest rate. During the last 2 months Navy Federal representatives contact us to ask us if we have any questions and state that they will escalate the matter to a supervisor and no one contacts us to respond to our questions including a closing date. We only get contacted by the same person asking if we have any questions. We have tried calling and sending emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reached out to Experian 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 15 usc 1681b. 

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 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 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute with Experian. It processed and updated in their system on XX/XX/2024. Experian did not open an investigation. Experian did not respond to my inquiry in the XXXX day period provided under the FCRA, but rather, it appears they completely closed the dispute with no response. 

The dispute we only opened again once I filed the same dispute as a complaint with the CFPB. This is a separate complaint and pertains solely to Experian 's willful ( or negligent ) violation of federal law and regulations. 

This is what Experian ignored : Please remove this incorrect information at once and send me an updated copy of my credit history report. This inaccurate information has affected my applications for housing and is negatively impacting other areas of my life, outside of housing. I am being harmed by an error on my report that is impossible to make, as I previously noted before. Pursuant to federal law and regulations, I am requesting : a complete copy of your investigation ; and a copy of my credit report ; and a list of documents reviewed from XXXX XXXX ; and a list of XXXX XXXX employees that were interviewed/spoken with about this matter ; and a full explanation for Experians decision along with any and all other supporting documentation used by Experian in the review and decision-making processes. 

This request was placed, to my best knowledge, 60 days or less from inaccurate information being posted to by credit report. I noticed the issue in XXXX and filed at least XXXX disputes.
Product: Credit card

On XX/XX/year> I called Capital One to pay off my balance and close my account. They removed a late fee, and my wife was later added to the call, as the full balance was paid from her checking account. When the XXXX statement arrived by US Mail, I did not initially pay attention to it, as I expected the balance to have been XXXX. Once I opened it, I was surprised to find recurring charges from XXXX. I called on XX/XX/year> to ask how that could have happened, and the representative ( employee # XXXX ) said the account was still open. Because the due date was XX/XX/year>, a new service charge and interest had been added. She agreed to remove the interest but said she could not remove the service charge since XXXX had been removed in XXXX. I contested this, as they were supposed to have closed the account completely. I asked to speak to a supervisor. His name was XXXX ( employee # XXXX ). He kept saying the account was still open and would not acknowledge the fact that I had already closed it and so shouldn't be expected to pay those charges. He looked at the notes from the call on XX/XX/year> and said that because there was a third party, the account couldn't be closed. What?! My wife left the call after making payment, but she was in the room and can witness to the fact that I closed the account. The representative read aloud the required paragraph before closing and verified that I wanted it closed, but she did not actually do it! This is not my fault, and yet they forced me to pay, saying the interest would keep adding up if I didn't. I asked to speak to XXXX 's supervisor, but he said I had reached the highest level of management. I said I wanted to speak to someone Stateside, but he would not give me a name or contact person above him. I asked for the transcript of the XX/XX/year> call, but he said they do not provide that. I was completely frustrated that I had to end up paying fees for an account I had already closed and was totally dissatisfied that a manager would not acknowledge the incompetence of the XXXX representative. They really left me no choice other than having to pay for their error. This is enraging!
Product: Debt collection

I sent a letter to a collector that I found on my credit report for a debt that I paid and was assured would be deleted YEARS AGO. I sent them a letter asking them to do what they promised when I paid the debt, and delete it. that mail was returned to me because the address was incorrect. so I waited, checked my credit, got the address again, and it is the same. Penn Credit has not reported accurate data. I want this account deleted and I have no idea how to contact them. They've never sent me any mail. I only settled the debt to get it removed from my credit, and it's still there, and no my right to dispute it has been fully removed.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have found an account called XXXX under my name that is fraudulent. The company XXXX, notified me about this fraudulent account and confirmed it in an email, which I have attached for your reference. Additionally, they have verbally informed me that they have requested the credit bureaus to remove the late payment associated with this f fraudulent account. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I requested numerous times from XXXX to correct it, enclosed are the documents sent. Despite these actions, the negative mark remains on my report, causing major damage to my credit. I urgently request that you take immediate steps to ensure that the credit bureaus either remove the late payment or remove the full account from my credit report. Your prompt attention to this matter is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected Consumer you are in violation of the 1974 Privacy ACT, Furthermore I am opting out of any and all Authorization I the consumer may have given you, written, non written, verbal and nonverbal per 15 UNITED STATES CODE 6802.

Please Remove all negative items on my credit report. You do not have permissible purpose per 15 UNITED STATES CODE 1681b.
Product: Credit card

Creditor Elan Financial pulled XXXX separate hard inquires on my credit account for the same application. I had requested a joint account with my spouse, which I understand would draw XXXX hard credit pull on my account and XXXX hard credit pull on my spouses account. There showing that they pulled an " individual '' and " joint '' request which I did NOT request. I requested a joint account ONLY. There should not be XXXX hard credit pulls on my individual account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes! regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i. 
which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX records. This is pertaining to all creditors including XXXX, Transunion, and XXXX that I'd like actions upon my credit report with what's stated above. I want above accounts removed
Product: Credit reporting or other personal consumer reports

I did not authorize any of the accounts listed below to obtain a copy of my report. For I am a victim of identity theft. I DO NOT HAVE A CONTRACT WITH THESE COMPANIES. 

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 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: 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 1 5 USC 1681. 

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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate account information listed on my consumer report by XXXX, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by XXXX. I have identified inaccurate monthly payments and account balances. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I have not received a response from this company. My tracking number is XXXX. Listed below are the accounts with inaccurate information. 

XXXX XXXX XXXX Open date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX****Open date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXXXXX XXXXOpen date not reporting correctly, date last active , date of last payment is not correct, this account is not accurate XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct , this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 2 certified letters to Experian requesting that they Reinvestigate accounts on my credit report for accuracy. In those letters I have asked to be notified through mail with the results, both times I was only emailed. I also asked for the information obtained from the original grantor that they received in the investigation I did not received that information either. The first letter was sent certified on XXXX/XXXX/23 and I received an email saying my results are ready on XX/XX/XXXX. Second letter was sent on XX/XX/XXXX23 and I received a email on XX/XX/XXXX saying the results were ready again via email and logging into Experian. There are multiple discrepancies in the accuracy of Charged off accounts and still being reported on my credit report.
Product: Debt collection

Commonwealth Financial Sy stems of  XXXX    XXXX    XXXX ,  XXXX  PA  XXXX  has placed a collection account on my   XXXX   credit file and my  XXXX  credit file. It has resulted in my refinancing of my home to receive a higher interest rate because of their negative posting on my credit file. The debt that they are trying to collect is not mine, it 's a debt for {$120.00} which was supposedly from  XXXX . In  XXXX    XXXX   this same debt was posted by another collection company called  XXXX , this was removed from my credit file because it resulted from my identity theft situation. Now the debt has been transferred to this collection com pany Commonwealth Financial Systems, they have posted this incorrect {$120.00} debt on my credit file without ever contacting me. I tried calling them but got a telephone voicemail system and had  to leave a message for a return call. This company is not doing proper business and its poor and unethical business practice has just cost me a interest rate hike in my refinance process. This is extremely unfair and frustrating as its going to take me about 30 days to complete my dispute with  XXXX . Companies like this should not be allowed to post anything they want to consumers personal files. There was no communication sent to me whatsoever. I would have never known unless I ran my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX XXXX nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 3 separate occasions I asked XXXX, XXXX XXXX, and Equifax to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe 6 water bills. That is not possible as it was built into the rent. I Have proof from XXXX XXXX who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX//2020.