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

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. Also, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( THESE ACCOUNTS 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.
Product: Prepaid card

I tried to log in to my Netspend account. They sent a verification code. There was no place to enter verification code. Did this three times before a verification code window opened and I entered the final code sent. They automatically locked my account and gave a number to call. I have called over 20 times. I have provided photos of my CA driver 's license, my social security card, and my registration. Mind you, I am in XXXX and am stuck with no access to my funds. I have talked to several Netspend customer service reps. None speak clear XXXX. None have been helpful. I received an email stating they received my documents and it would be 6 hours. I received another saying the documents I sent werte n't 'good enough ', though they list dl, ss card, and anything official with my physical address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and this is all I have on me here in XXXX XXXX XXXX XXXX Netspend has basically kicked me out on the streets of XXXX with no food and my car in the shop awaiting payment from me. Netspend has over XXXXXXXX XXXX of mine frozen. This has been so frustrating and I am about to lose it. I cussed at them and they said " we do not tolerate foul language ''... well, maybe they should get their act together because I am about to XXXX XXXX on Netspend. I have had them since XXXX, I get my pay as a XXXX XXXX XXXX XXXX XXXX deposited, as well as my social security, to my Netspend account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and it seems that this will never end. I check my credit profile weekly and have signed up for numerous credit monitoring services in order to monitor my credit profile. I have submitted a dispute in reference to a fraudulent XXXX account and this account is still reporting on my credit file. i submitted the required documentation and this account is still reporting. I have also submitted a complaint to the XXXX and the XXXX as this is not my account.
Product: Money transfer, virtual currency, or money service

I am wringing 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 of 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 findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving using vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting of the account XXXX XXXX XXXX, but you have failed to provide me a copy of valid and viable evidence. Furthermore, I have requested your method of verification being that my information was compromised in the Equifax data breach, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Lastly, the account has been re-aged and should have fallen off of my credit report. Not only are you in violation of re-aging an account, but you are also furnishing inconsistent information because XXXX and XXXX do not report this account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified transunion that I am a victim of identity theft
Product: Credit card

This company after several months sent me a debt collection again.this bad debt is XXXX XXXX XXXX and this account is closed by the credit grantor and agencies such as XXXX and XXXX continue to report it when was it eliminated from XXXX .the fair credit reporting law and my rights are violated
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX/XXXX  XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX  XXXX Balance Owed : {$10000.00} ; XXXX/RESIDENT  DATA  XX/XX/2021 ; RESIDENT VERIFY XX/XX/2021 ; XXXX XX/XX/2021.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a transaction through XXXX for {$2000.00}, but it turns out I saved the wrong person 's number, but I didn't notice it since Chase doesn't tell me the name of the person the money is going to, it just tells me the name of the person as I saved it. 

Please check the Bank 's response and check the name of the person. 

That's not the person 's name, it's just the name I saved in my phone and that's the reason I didn't notice and Chase did not fix the problem. 

If I try to send money right now and I put the wrong person 's number, the Chase app won't let me know who I sent the money to.
Product: Credit card or prepaid card

I've been a Bank of America credit card customer for over 10 years. I had debt on my credit card that I've been paying for five years and never missed a payment. Two years ago I added two people to my credit card. XXXX XXXX and XXXX XXXX. Recently I added three more people to my card and I was about to remove the two other authorized users that I had for over two years. I was out of town for 22 days and when I return home I had this letter from the bank. it said " unfortunately we made a decision to close your credit card we carefully reviewed your account history, credit report provided by the credit reporting agencies '' then they continue to say the current economic loss trends we decided to close your account for the reasons, Irregular authorize user activity ''. When I called Bank of America to fix this issue. They said there's nothing that can be done now because too many days have passed since I got the letter on XX/XX/XXXX when I asked them further questions they told me I had added five people in one month and that's why they made this decision. They continue to also say the decision also was impacted because of one of the credit bureaus. First I never put five people in one month so there was a misconstrued information. Second of all my credit is impeccable it's at XXXX and climbing and it's also frozen. These decisions seem very cold and unlike the Bank of America that I'm used to. I've been an excellent customer with excellent credit and on-time payments. The reason why I could not clear this up sooner was that I was out of town and if I was able to communicate this a week after I got this letter I would not be here making this complaint.
Product: Credit reporting or other personal consumer reports

filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX BALANCE {$1500.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
XXXX XXXX XXXX This account is not mine : My ex-husband stole my identity in XXXX and opened accounts under my name. Judgment was removed and reinserted without notification within 5 business days. I will write an affidavit if I have to. Please remove this! 
XXXX XXXX My account is on auto-pay ; I was never late State of MDXXXX XXXX Account paid in full back in XXXX - should not be a collection! 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I was never late & I did n't lose my card ; please remove the status & update the account Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX This is resulting from identity theft : I have disputed this for 5 years. I cancelled services because I moved and the people who moved into the residence obtained services under my name without my permission. I was told that I am responsible for the bill and I am not- I did not authorize it - it is identity theft and I will sue them if I have to. Creditor fails to remove this or assist.
Product: Debt collection

Keeps calling. Never received anything in writing from them regarding any debt. We do not have any debts. They try to trick you into answering the phone by saying that if you do not disconnect, they assume you are the party they are calling. Plain harassment tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management had been deliberately and with malicious attacks against me and my credit report. This is the second filing against them on the past two weeks. They still haven't stopped their first set.of offenses but now they have retaliated and committed privacy invasion and reported a new address to XXXX  that has my address in North Carolina! I live in Texas and never lived nor been in North Carolina ever. Midland Credit Management knows all too well my correct address but since my first reporting to CFPB and XXXX  they have demonstrated more havoc. I am asking that CFPB please escalate this matter on my behalf as this company has already committed acts.against me legally and federally by exposing my credit and personal information to the wrong address as well as invasion of my privacy with the privacy act laws and also harassment and discrimination as well as ADA compliance of the Americans with Disabilities Act. This company needs to be stopped now. This is getting out of hand.
Product: Credit reporting or other personal consumer reports

I am definitely not satisfied with the way you verified these disputes. I'll be serious in dealing with these inaccuracies that you are reporting whi ch affects my score. My succeeding action would be filing complaint with the Attorney Generals Office if still these aren't fixed. You guys even sent me letter saying that these account are verified? You serious? How comethat you come-up saying that these accounts are verified yet there are no supportingdocuments that prove that these are accurate. I need you to perform a reinvestigation on these ambiguous accounts : XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$310.00} XXXX XXXX  XXXX Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$510.00} XXXX XXXX XXXX  Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$960.00} XXXX XXXX Late Payment {$14000.00} XXXX XXXXXXXX {$9000.00} XXXX XXXXXXXX {$4300.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1200.00} XXXX XXXX  {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$980.00} XXXX XXXXXXXX {$770.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$54.00} XXXX XXXX XXXXXXXX {$34.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX {$10.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX$0.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX OF MO ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year>, around XXXX ; XXXX XXXX, I was reviewing my Navy Federal Credit Union ( NFCU ) account ending in # XXXX and noticed the balance was {$0.00} ( {$2100.00} was removed from my account ). Immediately I contacted NFCU at XXXX to find out what had happened. After several attempts, I finally talked to a NFCU Representative who explained the issue. Over several months I have been transferring money from my XXXX XXXX into account # XXXX not realizing it was a joint account I opened for my son XXXX XXXX when he was in XXXX XXXX years ago. XXXX is now XXXX XXXX XXXX and will be XXXX on XX/XX/year>. NFCU Representative explained XXXX 's credit card and checking accounts were delinquent and closed, so NFCU took the money because it was available. 

I explained to NFCU that I did not realize account # XXXX was a joint account. On XXXX, XX/XX/year>, I visited my local NFCU office and completed the process of removing my name from XXXX 's account. During this visit I also met with an NFCU Representative to discuss how and what they could do to return my money. Unfortunately, NFCU Representative was unable to assist me. 

On XX/XX/year>, using NFCU Online email function, I emailed NFCU requesting immediate assistance in resolving this issue. As of today, NFCU has not respond to my email. I have been a member of NFCU for over XXXX XXXX XXXX XXXX to 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 XXXXXXXX. I am now XXXX  and I need my XXXX XXXX XXXX because every XXXX  counts. 

Now I ask you wholeheartedly to please help me get my {$2100.00} of XXXX XXXX XXXX returned to me quickly. I desperately need these funds to make ends meet in my XXXX  life. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Amex account reporting as a balance- effecting debt to income, which I have NEVER USED, have access to, or am even aware of, that claims Im an authorized user to. I want it removed from my credit as this was not an account I have authorized. I have no desire to use this credit card from Amex
Product: Debt collection

I previously had cable services thru XX/XX/XXXX with XXXX. Upon moving in XXXX XXXX, I lost a cable box, therefore, I was being billed for the box. I finally found the box in XXXX XXXX and called XXXX to see if I could still return it. I was told that once I returned the box, my balance would be {$0.00}. I returned the box on XXXX/XXXX/XXXX at their XXXX, TX store. I have attached the receipt given to me to reflect the return. After returning the equipment, I never received any calls nor notification from XXXX that I owed anything else. 3 years later, I noticed that a collection account by SW Credit was placed on my credit bureaus for the {$200.00} that was previously owed before I returned the box.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and noticed that there are bankruptcy
Product: Credit reporting or other personal consumer reports

Formal Complaint Against SoFi for Violating Truth in Lending Act On XX/XX/2024 Dear [ CFPB ], I am writing to file a formal complaint against SoFi, regarding their denial and extension of credit to me, which I believe violates the Truth in Lending Act ( TILA ). As per Section 1691 of the TILA, it is unlawful for any creditor to discriminate against an applicant in any aspect of a credit transaction based on certain protected characteristics.Specifically, SoFi 's denial of my credit extension appears to be discriminatory based on the following grounds : Basis of Discrimination : SoFi 's denial of credit appears to be based on discriminatory factors such as [ Credit Worthiness. Violation of Applicant Rights : By denying my credit extension without a legitimate reason related to creditworthiness or financial capability, SoFi may be in violation of my rights under the TILA. I would like to request a thorough investigation into this matter to ensure compliance with the TILA. Additionally, I urge the CFPB to take appropriate actions against SoFi if they are found to have violated the law.Thank you for your attention to this matter. I look forward to your prompt response and resolution.Sincerely,