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

I noticed wrong information on my credit report for XXXX and transunion. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded an app called XXXX ( a budget tracker and planner ) and inquired about my credit report. I've noticed there is an open account that I am not associated with. This account is called CBNA and has been open since XX/XX/2019. In addition, this account 's last payment was XX/XX/2019. I am very confused since I do not recall opening any account this year.
Product: Debt collection

On    XXXX   XXXX    , 2017 a t approx.   XXXX   XXXX   EST, I checked my   XXXX   XXXX   account as I do frequently since I working on rebuilding my credit so I could purchase a home with  my VA Military Loan. I noticed  that my scores had dropped substantially. I looked through the reports and show a creditor I did not recognize ( IC Systems ), IC Systems reported a collection for {$67.00} for a company   XXXX   XXXX  . The collection account was opened in  XXXX   XXXX ,  2017    according to  XXXX   XXXX  and  XXXX   Credit Reports.  I am not aware of this debt as I never received any emails, letters, or phone calls regarding this matter.     In addition, there are No additional information as to who the original credit is/was, located, and open account date for this {$67.00} debt. I attempted to contact IC Systems however it is the weekend and holiday weekend therefore communication fail. I am afraid to connect with IC Systems as they may be fraudulent and gain access to personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted all of my positive information on my credit report I have called to try and resolve the matter and I have got nothing Equifax is working with the banks to destroy people 's credit so Banks can charge higher interest and receive kickbacks I have included my credit report updated XX/XX/XXXX where it shows my old mortgage provider and my old car provider on my credit report I'm asking for method of verification on the reason why they removed them and asking for them to put them back on my credit file these accounts I have over 20 years of credit history I'm also asking for internal transcripts on the handling of my file
Product: Payday loan, title loan, or personal loan

I have had a personal account with Citizens Bank for many years and a year ago opened a business account for my XXXX XXXX. Subsequently applied for a XXXX loan on XXXX of this year and it was completely mishandled. I called about XXXX times since then, was told at one point it was approved and was just waiting on funding information. When I didn't receive anything, I called again and was told whoever I spoke to informed me incorrectly. That's a BIG mistake to make. After waiting two months from my initial application date, I was finally informed on XX/XX/XXXX it was denied, and that it never actually made it to the XXXX, which I was also misinformed of XXXX I was told on one call it was with the XXXX XXXX. Why it took bank XXXX two months to deny my application, why customer service reps couldn't provide consistent or accurate information, and why my app was denied when I have been self-employed in my current business since XX/XX/XXXX and am eligible under XXXX guidelines, I have no idea, but I am extraordinarily unhappy with how I have been jerked around and misinformed as a female XXXX XXXX XXXX. This round of XXXX was supposed to provide additional opportunities for someone like myself and it has done anything but. Furthermore, due to the delay, loan funds have been depleted and I am unable to apply somewhere else. No one I have spoken to thus far, including the branch where I opened my account, has seemed overly concerned with my situation. I was told that the only group that could assist me with the loan was " XXXX XXXX, '' which was reachable only via email and not phone. I emailed " XXXX XXXX '' a week ago and have not received a response. I was told by the branch where I opened my account that they don't have access to XXXX info and could not help me. How can a lending institution operate with this lack of transparency?
Product: Credit card

I payed off my accounts and rarely had issues with my account. The first major issue I had and resolved capital one decided it was suspicious activity and closed my account without warning, no call, no letter, no email on an explanation of the policy that I broke. I received letters in December stating I broke policy but was not told the policy. I paid off my cards then called capital one asking for an explanation and the only response I could be given is that I broke a policy and thats why they were closed. This is just the company not abiding by their own rules and doing what the please with peoples life and livelyhood. I am not perfect and my pay schedule was not always perfect but I always paid and was rarely late nor did I frequently miss payments. Closing the accounts because it seems suspicious is not enough to break a policy and Im not sure where in the policy states that suspicious activity = a completely closed account.
Product: Credit reporting

XXXX XXXX was the provider for this account, I moved from the location due to a separation and my wife loss the house due to a short sale and she moved also. I have requested a copy of the contract that they have not provided. This erronous item on my credit report is affecting my ability to help my business obtain financing to operate as a business.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION
Product: Bank account or service

This is in regards to my previous complaint to Key Bank. You denied my claim because I 'm a signer on my own checking account??? That makes absolutely no sense! Someone used my debit card without authorization and you 're unwilling to help me. Why? Because it 's going to take a little work on your part? 

Well, I went ahead and did most of the work for you. Just to review my previous complaint, I have {$5000.00} in unauthorized charges on my account from a XXXX. This company is illegal in the United States and to any U.S. citizens. Now, I went ahead and got in contact with XXXX to find out where my money is. It turns out that the " purchases '' on the debit card are actually deposits into a " brokerage '' account. I use quotes because it 's a sham. Now, I actually got them to give me the login info to the online account where my money is. It showed that it was all there. So, I told them I want to withdraw my money and they closed the account and wo n't give me anything back. I even told them that my card was used illegally. It does n't matter to them. They 're just in business to ripoff credit/debit cards. So, that is what has happened to my {$5000.00}. I just want it back!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX should not show a past due balance
Product: Debt collection

Collection agency name : ACIMA DIGITAL FKA SIMP Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am submitting this formal complaint to request immediate enforcement action against the major credit bureaus ( Experian, XXXX, and XXXX ) and the creditors associated with the fraudulent and inaccurate accounts reported on my credit file. These violations of my rights under federal and state laws require your urgent attention and intervention. 

Details of Violations 1. Fraudulent Accounts and Reporting Errors The following accounts have been reported without my consent or knowledge and contain multiple discrepancies in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX ( Account No. XXXX ) Discrepancies : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Collection account with balance discrepancies and lack of validation. 

Violations : FCRA 607 ( b ), 611 ( a ), 15 U.S.C. 1692g. 

XXXX XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : High credit amount variations and conflicting open dates. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account XXXX. XXXX ) Discrepancies : Monthly payment inconsistencies and lack of proper validation. 

Violations : FCRA 607 ( b ), 611 ( a ). 

XXXX  XXXX Bankruptcy Discrepancies : Erroneously reported bankruptcy filings that I never submitted. 

Violations : FCRA 607 ( b ), 15 U.S.C. 1692g.

2. Unauthorized Credit Inquiries Unauthorized credit inquiries include : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries were made without my knowledge or consent and violate the FCRA and Identity Theft laws. 

XXXX. Incorrect Names and Addresses My credit report contains fraudulent and inaccurate personal information, including : Incorrect names : XXXX XXXX XXXX, XXXX XXXX XXXX. 

Incorrect addresses : XXXX XXXX XXXX, XXXX, TN XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX. Failure to Protect Personal Information The credit bureaus and creditors failed to protect my personal information, allowing fraudulent accounts to be opened and reported without adequate safeguards, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ). 

Requested Actions I respectfully request that the CFPB : Enforce Immediate Removal and Blocking of Fraudulent Accounts and Inquiries thanks,
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credict report that was not submitted by me!!
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXX, 2024 OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. THIS ACCOUNT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the mississippi Dept.of Human Services about my child support being reported as delinquit.The mother of my child has passed away.I informed this department XX/XX/XXXX th about this and they continue to bill me and report my child support as not being paid.they are deliberity fileing false information, and they think that they can not be held accountable.this agency has caused me financial harm with there handling of my stimulas check i never got, and the unfair credit reporting.All three credit reporting agencies are still currently reporting this negetive credit.DHS says i have to prove the death of my childs mother.i have no legal binding to the deseaced as they have and its not my responsiabilty to prove what they are in the service to do..that is child support.my daughter has not lived with her mother since the year XXXX.i can prove this in court.This Child Support Division does not help the children as my case here proves.They dont even know the childs mother is dead.what if my child is on the floor dying with no child support division watching?  what is there job? to ruin innocent fathers credit? they on top of that, but fall short on DEPARTMENT OF HUMAN SERVICES.Please assist me in correcting this matter.
Product: Credit reporting or other personal consumer reports

Per the CFPB Law all information on my credit report should be 100 % accurate, 100 % verifiable, and 100 % timely. I have found multiple errors in my personal information section on my report. I have contacted the credit bureau to get this updated as soon as possible and I have yet to see that happen.
Product: Debt collection

Charged me for a utilities and refused to accept proof that I was not residing at property at time bill was made. No record of call to disconnect. I paid this company 's hired collection agency ( Assoiated Credit Services ) {$410.00} in order to remove a debt from my credit reports related to a bill that I did not make for utilities. I have explained that I moved away from property. I left the state for a contract travel assignment for work on XX/XX/XXXX. XXXX XXXX was notified on XX/XX/XXXX but they conveniently lost the record of my call. The owner of the property will not remove it due to a unrelated dispute. The property was vacant but billing continued for XXXX months after I vacated. I received a bill on XX/XX/XXXX and promptly notified XXXX XXXX that there had been a mistake and requested service be disconnected. There was no previous balance due. I was told that there would be an investigation and I would receive a final bill minus the time I was away from property but I would be contacted by a supervisor if they needed my documents of proof. I never received any further correspondence. I restarted my credit monitoring service a few months ago and noticed that I had been referred for collection. I immediately called XXXX XXXX to resolve matter but was informed that ASC was in full control of collections and they refused to accept a payment. The representative also suggested I file a dispute with the credit bureaus and explain the matter. and/or file a dispute with the credit bureau. I called ASC and explained the whole ordeal of moving and not being notified or aware of bill or collection efforts. I was told to call XXXX XXXX to have matter corrected and/or dispute the inaccuracy with the credit bureaus. I explained that I was willing to pay debt to expedite the removal despite not owing bill, the ASC representative agreed and said I would get a receipt in mail but they could not put in writing that they would delete. I was told by XXXX XXXX and Associated credit services to " call the credit bureau and challenge the debt ''. I did, XXXX reports that ASC verified the debt was valid and that no payment had been made. I have a contract for employment with a start date XX/XX/XXXX in South Dakota on a remote XXXX XXXX. It is not possible that I made the bill for utilities. Someone was residing at the residence. I am positive I called to disconnect service.
Product: Debt collection

NCB MANAGEMENT SERVI Reported : XXXX. XXXX, XXXX - {$3600.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$3600.00} Highest Balance {$3600.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Account previously in dispute - Now resolved by data furnisher Original Creditor Name No Info Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

I have disputed this account on my credit report that is showing " Jefferson Capital Systems '' from XXXX and the CB 's removed the negative remark due to them not investigating within 30 days. I have since then received a paper in the mail stating they are the owner of the collection account. I have notified them through the Credit Bureau that this account was due to identity theft and is not mine. They continue to report on my credit after the CB removed it. They also continue to collect even after telling them this is due to identity theft. 

I have provided a copy of my police report showing identity theft.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital one credit card I was making a XXXX $ dollar minimum payment, without notice my minimum had raised to XXXX $ I allowed it to be okay. I asked for a credit increase over the phone and through the app and never received it with over 28 months of good payments. XX/XX/2019 I got a email from XXXX XXXX saying have a 30 day late payment I have spoken to the support and not willing to help, I never received any calls about having any late payments or missing any due dates like every other bank, my automated checking account have error and possible it never made a payment I have a family and sometimes you forget about things if this is true. Recently my wife and I inquired about a FHA mortgage loan with this bank my score was effected 37 points for this can you please understand and help me remove this error.
Product: Vehicle loan or lease

Financed a vehicle with Wells Fargo from XXXX. Was charged an extra fee for auto insurance that they placed on my vehicle regardless of the fact that I had my own insurance in place for tge entire duration of the loan. Wells Fargo refused to acknowledge that this was a problem and frankly I got tired of fighting with them over this. Paid the loan with the extra fees and have never done anymore business with Wells Fargo since.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX spoke with an agent about a missed payment in XXXX of XXXX due to job loss. I asked for removal of missed payment for XXXX  because I am trying to purchase a home. The agent stated to write a letter asking this and that it would get removed. I wrote a letter. I get a response on XXXX XXXX. Stating that I have no missed payments for XX/XX/XXXX. I did not inquire about XX/XX/XXXX. The agent did not read my letter properly and capitol ones communication has been absolutely horrible. Please fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.