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

XX/XX/2021, I XXXX XXXX ordered a copy of my LexisNexis Consumer Disclosure File to see what was reporting on my file. 
When reading my Consumer Disclosure File from LexisNexis dated on XX/XX/2021, I noticed an item in the business association named XXXX XXXX  which is associated with a person named XXXX XXXX. I have disputed this item at least twice and twice LexisNexis has violated the Fair Credit Reporting Act by re-inserting this item without notifying me within 5 days of reinserting the item. 
This has stop immediately or ill be forced to take legal action due to the re-insertion of this item back on my LexisNexis Consumer File.
Product: Vehicle loan or lease

I obtained an auto loan in XXXX, XXXX from Wells Fargo. My loan terms specified there was no prepayment penalty and any amount over and above the monthly amortized payment would be applied directly to principal. I have made additional principal-only payments every month since then. 

I have the loan available to see on my phone app and the balance didn't seem to be lowering as expected. I have called several times and gone into the branch as well to complain that my loan payments must have been misapplied- to future interest and not to the principal at all. Each time I complained, I was simply told that additional payments were applied to principal, but was never allowed to have or provided with any actual accounting of how my payments were applied to the loan. I have requested this several times and told that it wasn't available for customers and was an " internal document. '' I was then referred back to my phone app, where it didn't add up. 

I was denied an accounting and misled to believe that my payments were handled legally and morally. Had I been granted access to an actual accounting of my payments and how they were applied, I would have been able to quickly dispute the matter and try to resolve it. 

Any help from the CFPB would be appreciated. I have gotten no assistance from Wells Fargo and need to remedy the misappropriation of my funds.
Product: Credit reporting or other personal consumer reports

These Hard inquiries have appeared on my credit report and do not belong to me : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IA, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX
Product: Money transfer, virtual currency, or money service

I am writing 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 intuition 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 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

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Phone number : XXXX. 

I went to the FTC website and linked to Experian. I ran my credit report. There is a name that does not belong to me : XXXX XXXX, name ID # XXXX. There are also two addresses that do not belong to me : XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX Address ID # XXXX single family I have a XXXX who has stated to me multiple times that he has taken my name, " XXXX XXXX. '' He has threatened to XXXX me to get the inheritance that I am supposed to get from my father. I hope someone can help me find out about above information. Thank you so very much.
Product: Credit card or prepaid card

On XX/XX/22, XXXX XXXX submitted a fraudulent invoice reference # XXXX for {$1700.00} to be charged on my Citibank credit card. There is no contract signed by me to justify this invoice. There was also an invoice submitted for {$350.00} which has the last two of someone elses drivers license # with my name on it and has the same reference #, XXXX as the invoice for {$1700.00} On XX/XX/22, I disputed the charge with Citibank and forwarded a signed contract with reference # XXXX which matches the reference # on the invoice for {$520.00} I was promised on Monday, XX/XX/22 by XXXX an analyst in the President department for Citibank that {$1700.00} would be credited to my account in two days. Citibank is now refusing to reverse the charge and advised me the merchant has declined to return the funds but they had no problem funding a fraudulent invoice.
Product: Credit card

I owed a large amount to American Express Consumer credit card. I refinanced my home and was able to roll the debt into my mortgage. I received a check for the payoff from my mortgage holder ( XXXX XXXX ), contacted American Express collections service in XXXX, AZ for the full payoff on XXXX XXXX, 2015. The payoff amount provided by the collection service was XXXX plus {$270.00} in interest accumulated. I Mailed via XXXX Priority Overnight, Saturday Delivery the requested funds to the debt collection center in XXXX, AZ. so the payment was received on XXXX XXXX, 2015, in full. American Express Failed to post the payment until XXXX XXXX, 2015. They then proceeded to Charge me interest on the outstanding balance, after receipt of my payoff in full. Since then, they have charged interest on the interest and late fees, yet I was not contacted by their collection agency regarding any difference in the payoff amount and the amount submitted. Today, they have reported the account as delinquent and posted a negative notation on my credit report, and when I contacted them to inquire about what had occurred, a person at a call center in XXXX, told me that the payoff amount provided by the company was basically worthless, since interest accrued from that day till the payment posted. What legal recourse do I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One allowed XXXX fraudulent account to be opened in my name, XXXX Auto loan, account number XXXX and XXXX credit cards, accounts XXXX, and XXXX. I've submitted police reports, as well as Identity theft affidavits. The information i submitted was good enough to have the auto loan was removed from my credit but Capital one had a change of heart and said the information submitted was invalid for the credit cards. They stated that my police report had invalid information such as a phone number that was listed on the fraudulent account is the same phone number used to open the account. i informed them in XXXX XXXX they gather all information from the credit report that's submitted with the identity theft affidavit. The fraudulent phone number and address that the sheriff used on my police report was fraudulent information that was submitted to my credit bureau was from Capital One. in other words the fraudulent information that's on the police report that capital used to reject my claim is information that was submitted by Capital One. I have never doe business with Capital one, none of these accounts belong to me. The same information that was used to remove the Auto Loan should be good enough to remove the credit cards also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to resolve dispute with XXXX XXXX XXXX they only have 3 reasons and three codes and none of these reasons fit they just picked one of the three and did not work because none of the three fit my situation. They did not file the dispute for the reason that I ask. They need to add more reasons. I have mailed Experian documentation supporting my dispute and they have not responded.
Product: Debt collection

In accordance with the Fair Credit Reporting act I.C System In 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.
Product: Mortgage

I got a letter saying I have available funds that looks pretty official but it's basically one that wants me to refinance with Homeside.
Product: Money transfer, virtual currency, or money service

The company involved is Binance.US, XXXX XXXX XXXX  Due to their automated system, they disabled my ability to trade and withdraw due to a chargeback. This seemed fair to me. However, even after the chargeback was " processed '', they state this on my account history, my trading is still disabled after over three weeks. Their customer support only responds to my email inquires with messages such as " sorry for the delay, we are experiencing many tickets ''. Further, they have no customer support phone number. They are literally holding a large portion of my net worth hostage due to their lack of customer support. It is ridiculous and frustrating. I believe the company should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with XXXX and Furnisher lack of cooperation in the production requested in support of the verified and ACCURATE reporting to the TransUnion. Dispute my efforts of disputing directly with furnisher and failed attempts to obtain accurate reporting in trade line seeking your assistance with the enforcement of the violations committed against my consumer rights to accurate, complete, errors free reporting in my credit report. 
I have exhausted all ways of communications with furnisher, no response, giving me the run around. Most recently, exhibits attached spent over an hour on the phone with a representative from XXXX, who forced to provide my full social security # after providing the full account #. Moreover, limited and untrained, unqualified points of contacts located in XXXX and limited information from employees working from home, useless escaltions of my issue with no results. The last written correspondence sent via cert mail, was signed by an employee who is no where under the directory of the company. Last week, contacted TransUnion directly and was advised that if the furnisher does not the information then they put X because they can not verified. 
Lack of cooperation from both parties. Both companies operating in concert violating my consumers rights to fair reporting.
Product: Credit card

I received a prescreened marketing ad for the American Express gold card in XXXX XX/XX/2015 and researched the card online. I decided to open the American Express XXXX XXXX XXXX card with a {$100.00} statement credit for spending {$1000.00} instead. I made my XXXX purchase with the card on XXXX/XXXX/XX/XX/2015. Within a week of receiving my card, American Express sent me a {$250.00} statement credit offer if I spent {$1000.00} in the XXXX 3 months if I use RSVP code XXXX. I called to request that this code be applied to my new account, and the representative told me she could not apply the credit. She suggested I try to close my current account and re-open a new account with that RSVP code to get the {$250.00} statement credit. Following this representatives instructions would cause me to incur a negative credit impact and also a possible balance transfer fee. I feel that since my account is still within the XXXX billing cycle and I received this prescreened offer addressed to me from American Express, that this company should honor the {$250.00} statement credit without making me close my current account and open a new account.
Product: Credit reporting or other personal consumer reports

TransUnion provides correct informations. 
Contact with consumers financial Protection bureau. Probably with product marketing or to remove a stated issue.
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

Capital One doesn't let me connect with XXXX to withdraw or deposit my funds.
Product: Mortgage

I obtained my mortgage through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX in XX/XX/XXXX. In XXXX of XXXX, an escrow anaylysis was done and it was determined that the original property taxes were not figured into the original mortgage monthly payment, so almost a full two years went by before they determine that this was the case. So they were taking my mortage payments and applying them to the insurance and taxes and not to the actual mortgage principal. Now we are behind in the payments with a threat to lose our home. This has cause the mortgage payment to triple. If the escrow analysis was done even on an anual basis ( which an analysis would have been preformed in XXXX ) we would not be in this predicament. There was no escrow analysis done to our knowldege in XXXX.
Product: Checking or savings account

After reviewing the case for Wells Fargo I have been a victim to the issues as far as closing my account, overdraft fee miscalculations and also fraud someone kept using my card
Product: Credit card

Paypal Credit, literally charged an unexpected separate interest for {$8.00} on XX/XX/XXXX, for purchases. And never purchased anything this month. Furthermore, interest is combined in the monthly payment and not charged separately on the account. This is charging me interest twice over for next month payment in XXXX, and never had this issue before. My balance was at {$310.00} and this unexpected fraudulent interest has bumped my balance up to {$320.00}.
Product: Credit reporting or other personal consumer reports

Equifax support tells me they do not support multi-factor authentication for their site myequifax.com which is a huge security risk for my personal and credit information, and puts me at high risk for fraud and identify theft. How is it possible that our government allows Equifax to operate with such weak security? Just about every online service in the world has XXXX. This is outrageous!
Product: Debt collection

Ive filed disputes for XXXX XXXX  accounts and A capital one credit card account and the disputes are handled due to me facing hardships through the natural disaster of XXXX. And the accounts have been removed from my credit file 3 times and these companies keep adding them back which is against the law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX of inquiry : XX/XX/2023 Account name : XXXX XXXX Date of inquiry : XX/XX/2023 Account name : XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX  XXXX XXXX, XXXX XXXX, and Comenity Bank. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, 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 1681XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I XXXX XXXX had a with Self inc. that has been closed since XX/XX/2023. XX/XX/2023 I Filed a CFPB complaint online. The complaint was filed because Self Inc. was reporting a debt on a closed account that I didnt owe. The investigation went through and the fraudulent debt that was being reported was corrected and the complaint was closed. But as of today XX/XX/2023 Self inc. still continues to report negative items on my credit report for an account that has been closed for several months.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, XXXX. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the XXXX form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the XXXX form. XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said XXXX.
Product: Bank account or service

Regarding the Wells Fargo settlement, i was forced to obtain : 1- a checking account and 2- a home equity line of credit which was ultimately restricted ( i am not able to use the available funds based on my original credit line ) Please advise how much of the settlement i am entitled to thank you XXXX XXXX
Product: Mortgage

my mortgage was purchased by Mr. cooper from XXXX on or about XX/XX/XXXX. my taxes were escrowed and to be paid by the mortgage company. The taxes due on XX/XX/XXXX were not paid by either company. I have now received a letter dated XX/XX/XXXX from the XXXX County Indiana auditor where they will start garnishing my wages XX/XX/XXXXdue to these unpaid taxes. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX without any success in finding out when this issue will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed a dispute with the credit bureaus in regards to a company by the name XXXX XXXX, XXXX. I have no signed contracts or agreements with this company. 
XXXX and Equifax have both deem this account as verified. XXXX and Equifax has not provided the requested documents supporting their their decision, which leads me to believe that their investigation was improper and incomplete.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$0.00}
Product: Debt collection

Cach LLC/Resurgent Cap , a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the alleged debt account.
Product: Credit reporting or other personal consumer reports

My information with equifax has been breached. Attached you will proof of the data breach affecting my personal information. Equifax refuses to delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am trying to access my account from another application with my username/password and CapitalOne is blocking it. Custom rep on the phone said they ca n't do anything to unblock it and claimed it was for my own protection in light of things like the XXXX breach. That does n't make any sense because I am trying to authorize myself to use my own account, and clearly the information is already store on Capital One 's servers either way.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.