23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been battleing to get a XXXX XXXX XXXX account removed from my credit report. It was tampered with while I was out of the country. XXXX XXXX XXXX charged it off and I filed everything with them but they did not do anything. Very frustrating. Attached is what I sent the credit bureau as a the most recent letter. They told me that it was " verified '' that it was my account even though the address was n't even mine. 

See attached documents to reference the process I went through. 

Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate accounts on my credit report due to fraudulent activities
Product: Credit reporting or other personal consumer reports

Experian has hard inquiries that I never authorized to appear on my report and Im unsure how did they got listed on my credit report. I want the following hard inquiries to go away immediately as I never hold these credit cards or never have given any authorization for them to put anything of this type of my credit. 
I would like to know how you verified the following information listed below when it is clearly inaccurate : Did you call the original furnisher or just look at the information in your database? 

Can you delete this ASAP and send me and update. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. 

XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Misleading. Can you delete this ASAP and send me and update.
Product: Credit reporting or other personal consumer reports

Do the same to this account and DELETE XXXX XXXX XXXXXXXX - XXXX Identified Inaccuracies Discrepancy in Date Opened : XXXX reports the account as opened on XX/XX/year>, while TransUnion lists it as XX/XX/year>. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], which requires accurate and consistent reporting across credit bureaus.

1. Balance Reporting Errors : Both Experian and TransUnion list the balance as {$940.00}, but no verifiable documentation has been provided to substantiate this amount.

2. 6 of 19 Failure to verify and validate this information violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which mandates furnishers to ensure the accuracy of reported data.

Lack of Verifiable Documentation : No evidence has been provided to prove the legitimacy of this debt, including the original signed agreement or proof of debt ownership.

This is a clear violation of FCRA Section 611 [ 15 U.S.C. 1681i ] and CFPB guidelines, which require creditors to provide evidence of debt upon dispute. 
3. Failure to Update Account Status : The status remains as XXXX, despite no confirmation or resolution being provided. This is non-compliant with Metro 2 Compliance Standards, which require accurate, timely, and complete updates to consumer credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started disputing inquiries with TransUnion since XX/XX/2021. These inquiries are not valid because they are for business credit which I did not authorize to have placed on my personal credit report! I wasn't even told it would be. When I sent in my disputes in XXXX, I never got an answer from TransUnion so I sent another dispute on XX/XX/XXXX. When they didnt respond AGAIN, I sent another letter on XX/XX/XXXX and this one was sent through certified mail, which they received and I have included that delivery confirmation.
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 financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Sending a complaint today in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I sent letter to Bureaus on XX/XX/XXXX regarding this matter but no response until this day XXXX XXXX. The EXPERIAN and XXXX credit bureaus are required to authenticate the accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat thisreporting account as unconfirmed information without producing proof within the legal time range. I've already included thisin my last complaint # XXXX XXXX and XXXX and I'm including it again The account listed below needs to be fix right away : XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported the following information to Transunion via the CFPB on XX/XX/2021 : There is a balance from XXXX on my credit report that has been paid to the debt collection agency XXXX XXXX. The balance reported on my credit report was {$770.00}, however the amount I paid is {$270.00} XXXX not including a {$2.00} processing fee ). However, it is in violation of several FCRA statutes. The items I cite as being violations of the FCRA are : posting a higher balance than the collections representative had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections that prohibit deletion. On XX/XX/2021, the company responded that they are reviewing the complaint and that they would follow-up within 60 days. On XX/XX/2021, I checked my Transunion credit report to find that the XXXX account was updated with more incorrect information, and the incorrect information stated above remained on my report. I have attached the previous attachments, along with a screenshot showing the most recent incorrect update. I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA mentioned above. 

I am requesting that this account is fully removed and deleted from my credit report due to the several violations of the FCRA associated with this account.
Product: Credit card or prepaid card

Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXXXXXX  who's struggling to take care of himself personally. I'm also a XXXX who has to apply for FAFSA which is financial aid to help the student afford college. Being that I'm a XXXX XXXX  I don't receive XXXX XXXX to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. 

XXXXXXXX XXXX - late payment on XXXX XXXX XXXX  30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Your agency has repeatedly ignored my requests to fix inaccuracies on my credit report, violating the Fair Credit Reporting Act. Despite my efforts to resolve the matter with the creditor, your refusal to verify information displays negligence. The following errors are still on my credit report, adding to the distress caused by your agency 's actions : The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY, XXXX '' Please REMOVE : XXXX XXXX XXXX FL XXXX XXXX XXXX, NY XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing to request the prompt removal of unauthorized inquiries from my credit report. These inquiries are causing me significant distress. I have provided verification documentation to support my request and kindly ask for an expedited investigation into this matter. Thank you
Product: Credit reporting or other personal consumer reports

I recently called Transunion to report that I never authorized these companies to request a copy of my credit report. I was told they couldnt be deleted that I needed to reach out to the company. I advised that I had already reached out but didnt receive a response. The agent told me there was nothing she could do they would have to remain. These are the inquiries I didnt authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, XXXX and TransUnion Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX 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

After several attempts to correct the information regarding a loan with XXXX and 2 subsequent complaints through CFPB. The original creditor, in order to rectify ongoing eronious reporting errors agreed to deletion of the tradeline from my history. 
XXXX sent a letter to Equifax stating this on XX/XX/2019. 
Since then Equifax has refused to honestly and accurately dispute or follow up with this information and refused to remove it from my tradeline history. Equifax has been provided a copy of the letter attached in this complaint by both myself and from XXXX. The previous complaint is referenced underXXXX
Product: Debt collection

American Express Collections ( XXXX ) called me attempting to reach my mother in law about a debt. I have never had any debts with her, and the number they called is my business cell phone. I do n't use it for personal matters. They were rude and kept insisting I give them her phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a pressing matter regarding fraudulent personal information associated with my identity on my credit report. It has come to my knowledge that certain accounts and transactions have been falsely attributed to me, causing significant distress and concern.
Product: Vehicle loan or lease

I made a {$2200.00} payment on XX/XX/2022, which I asked to be applied to the principal only. According to the XX/XX/2022 statement, the ending balance was {$18000.00} ( {$1900.00} principal + {$210.00} interest ). The entire payment was not applied to the principal, however, there was no payment due as of XX/XX/2022. I went to the website, and on or about XX/XX/2022, it stated that I owed {$700.00} and it was 4 days late and that I owed a total of over {$1400.00}, that was going to have to be paid by XX/XX/2022. I immediately sent a payment of {$800.00} to XXXX, and according to my bank, it has not been received as of XX/XX/2022 ( not believable because it has been over a week since it has been sent by the bank in the form of a check ). 

I also made a {$700.00} payment on or about XX/XX/2022, and it has arrived and has been subtracted from the so-called total based on their calculations stating that I owe over {$20000.00}. I am confused. I am trying to pay my bills, however, it seems that XXXX is not giving me credit for payments made and they are charging me fees and interests, which is not making sense. I am a poor widow of a veteran who can barely make ends meet, however, XXXX it overcharging me based on my payment history.
Product: Credit card

I was transferring money from my XXXX XXXX checking account to Bank of America to be ready for a big withdraw, which I was not sure the amount, so I was sending it over XXXX weeks to build up a balance. 

I got a text about XXXX of the transfers and confirmed via text. I thought this text was about the transfers I was making into the account so I confirmed. 

Come a couple of weeks later I have the withdraw coming in and I go to check my account and there is no money and the withdraw fails. 

I locked my card and called BoA and they put in a transaction dispute for a merchant that as soon as I put money in would empty the account ( that's what it looked to me ) Bank of America refused to provide provisional credit and said the investigation is due to close on the 10th day, which is conveniently when by law they have to provide me the credit for the dispute. 

I have two other dispute pending with them for around {$300.00} they did give me credit, and that was due to their own incompetence for giving my credit info to a blocked merchant TWO TIMES after I had issues with said merchant and they " blocked '' the merchant. 

So to me it looks like they will not give me credit for the dispute and are looking to close the case against me, possibly because of the two other disputes I already have, which was THEIR FAULT for giving a blocked merchant my new card info. 

My account over drafted and i have about {$1500.00} missing and bank of America does not care. 
Going by the last two dispute they may as well give my new card info to the merchant that my compromised card was used to take over {$1500.00} usd
Product: Money transfer, virtual currency, or money service

Venmo has suspended my account and I have a money balance there that I can not move to my bank account neither withdraw it. I have been emailing and calling and the only answer I get is that I have to wait.
Product: Credit reporting

i am a victim of identity theft. I have had these items removed 2 times and the bureaus keep reinserting them the companies are transferring them back and fourth to each other and the bureaus are putting them back. Also i asked for fraud alerts to be removed for a short amount of time in writing and they havent done so.
Product: Credit card

Dear Wells Fargo Executives, I have been trying to contact you for several months regarding an issue with my account. Despite my removal requests, you have advised me to contact you repeatedly, but you have failed to follow up. I have reached out to you multiple times via phone and letters, yet you have done nothing to resolve the issue. 

I have been a victim of fraud, identity theft, and three data breaches to date ( including the XXXX and XXXX data breaches ). However, Wells Fargo Card Services still appears on my credit file, and this account and balance do not belong to me. I have provided all the necessary information, which must be removed immediately to avoid further violations. 

I will file reports and complaints until this issue is resolved. 

Sincerely, XXXX XXXX
Product: Debt collection

There is an account that I have written to transunion and XXXX because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXXXXXX XXXX XXXX
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 financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was infeasible. The CFPB 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD Account Number : XXXX, XXXX XXXX Account Number : 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
Product: Credit reporting or other personal consumer reports

I see an inquiry in my credit report without my authorization and written consent. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A which states that I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 which also states that a consumer reporting agency can not furnish a report without my written instructions. The following company has violated my rights and need to be removed from my credit report : XXXX XXXX XXXX.
Product: Debt collection

Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and explained to them that my name is not correct on my XXXX. One name that is on my credit report as the same name as a person who lives close to me from Florida. I had to go threw a lot to get all his matter that was on my report off my report. And the other name on there, is wanted for murder, and I am always getting asked if I am that person. My name is XXXX XXXX XXXX XXXX, it shows this on my XXXX XXXX and it shows it like this on my birth certificate. I contacted Experian 2 times in the month of XX/XX/2020, and explain this to them, both times I was told everything was off, and just my name appears on their. But when I go on line, I see different. So the second person I asked him to send me a copy of my Experian credit report. And just like it was on line, my info was still incorrect. I asked to speak to a supervisor multiple times, and keep being stuck in que on hold for hours. I just want my name and address correct, it is to much fraudulent things going on, and I am just trying to protect myself. And I should have only one address, Ive lived at this address for over 40 years. Sorry for this, but I cant reach out to Experian, their customer service is horrible.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Acts, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 and purpose. 

I disputed this account on XX/XX/2024 for this reason, XXXX completed their investigation on XX/XX/2024. I am requesting a description of the procedure that was used to determine accuracy and completeness of the information that I disputed. Who did XXXX interview regarding this account? They are neglecting what I have asked about my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries showing on my Transunion credit report. I have contact Transunion directly and informed them w/ also providing evidence and the inquiries have not been removed. XXXX  date of inquiry XX/XX/XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XXXX/XXXX  date of inquiry XX/XX/XXXX XXXX XXXX/XXXX date of inquiry XX/XX/XXXX
Product: Student loan

Hello, On XX/XX/2024, I submitted my regular monthly payment to Nelnet for my 6 outstanding student loans. Unlike the process I previously enjoyed with Great Lakes, where a singular payment would be applied to all loans, Nelnet requires their consumers to apply an individual payment to each loan group. I applied a separate amount to each XXXX loan groups to cover all interest earned and a small amount of principle, bringing the total payment to {$260.00}. Checking back with Nelnet on XX/XX/2024, I noticed all loan payments were applied except one to loan group XXXX for {$80.00}. Nelnet only showed a total payment of {$180.00}. I called and spoke with a representative ( after an extremely long wait ) and they were unable to determine what happened. He " filled out a form '' on the phone with me to submit to an internal department at Nelnet for review. He informed me of an email address to send my payment confirmation and screenshot of my bank account showing the funds being pulled from to, which I promptly forwarded the documents to. I have not heard from Nelnet about a status update. Meanwhile, the interest for loan AH continues to accrue. I emailed the help desk on XX/XX/2024 for a status update. Nelnet emailed back the next day stating it was still in review. After more than a month, this issue has not been fixed, interest accrual is beyond what it should be and it is now time for me to make my regular monthly payment, which will have to be a greater amount due to their error.