23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

i have multiple fraud accounts on here I would like to see proof of every single piece of information that can prove that they have the correct person. I will file a police report if no actions have been taken. Every single creditor and business bureau that has collections out on me. I want to see the proof And there are lots off closed accounts that have been paid and never got taken off of here as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent written request to validate the validity of the information used to validate these accounts they have on my credit report on XX/XX/2021. I have made several calls to TransUnion. They have been very rude. I was hung up on then told " I can't help you and put on hold with no one returning to the phone. I can't understand why is it so difficult to provide me with information that show 's that these are my accounts if they have this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax for my XXXX XXXX credit card account which was reporting inaccurately. I included my full credit report and supporting documentation highlighting the many inaccuracies contained in the report. I got the dispute results which did not address any of the questions raised in my dispute letter. Equifax did not meet its obligation under the Fair Credit Reporting Act. I am therefore filing a dispute so that the XXXX XXXX account can be deleted from my Equifax report for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX  ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a checking account, I called and was told that a soft inquiry would be ran
Product: Student loan

There was no completion to the complaint or investigation into a resolution. I have called every week for 90 days and sent 2 letters certified mail. The lender came back with a response to the issuance of the loan being given to me in an inept state. The XXXX XXXX XXXX XXXX has stated that an individual who doesnt complete high school or the equivalent is not prepared for the task of understanding the debt that will accrue in college. Their response to me filing paperwork supporting this happened was that I stated on my forms applying for the loan i checked a box stating I had graduate high school or its equivalent. I checked the box without understanding that a high school graduate even needed a diploma. Not only did I not graduate high school I only went to a year and a half of school my entire life through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2017 when Equifax had its security breach I have not been able to resolve my issue. I would call the number I was told after being on hold for sometimes over 2 hours and I would call XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is just some of the numbers I have been given by people that work for company. Equifax has given free service for Trusted I.D . and I have tried to go on the web site and tried to print my report which it says I am able to do but yet it wo n't work and one person tells me that I have connected to the wrong number and they give me another number and that person will tell me the wrong number and give me another number and so on. I have spoke to numerous supervisors and still with no results, I e-mail them and takes weeks to get a reply back and it says they ca n't call me but to call customer service at number ... ..and again I get no where. can you please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Formal Complaint Against Equifax for Violations of FCRA and FDCPA Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their unlawful practices concerning my personal financial information. I believe that Equifax has engaged in activities that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Graham-Leach-Bliley Act. 

I have sent Equifax a notice requesting that they stop making reports on my personal finances. Despite this notice, they have failed to comply. The FCRA and the Graham-Leach-Bliley Act clearly state that consumers have the right to privacy, and I feel that my rights and liberties have been infringed upon by Equifaxs actions. My personal life and financial information should not be used for profit by a non-government agency, especially when I receive no benefit from such practices. 

I am particularly concerned about the following issues : 1. **Aggravated Identity Theft** : Equifax has purchased my private information from other corporations and subsequently sold this nonpublic information to other entities without my consent. I was not given any opportunity or notice to opt out of credit reporting, which constitutes a violation of my privacy rights. 

2. **Extortion and Coercion** : Equifax appears to be actively engaged in coercive practices by advertising nonpayment of debt as a means to influence payment. They have also made reports that are designed to disgrace and embarrass me as a consumer, which is a clear violation of the FDCPA and FCRA.

3. **False Reporting** : The reporting of false and inaccurate nonpublic information by Equifax has caused me severe distress, injuries, and damages. This practice seems to be a means for them to profit from the misuse of my stolen identifying information. 

I urge your offices to investigate Equifax for these violations and take appropriate action to protect consumers like myself from such unethical and unlawful practices. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely THE IS NO DEBT OWED ON THIS ACCOUNT THIS ACCOUNT SHOULD STILL REPORT AS A COLLECTION OR CHARGE OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX : {$910.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX  XXXXXXXX XXXX : {$570.00} XXXX XXXXXXXX XXXX XXXX : {$340.00} XXXX XXXXXXXX XXXXXXXX XXXX : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent to Experian a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 30 day late payment. I have brought this account and the error being housed to Experian attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from Experian telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reported late payments for my federal student loans for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I've provided this company with a forbearance letter from XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating that my loan was in forbearance for those dates. Most recent, this company has updated loans that were paid off due to teacher loan forgiveness by moving the late payments from the aforementioned months to : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments have not been corrected, they were moved to later dates including national forbearance dates.
Product: Credit reporting or other personal consumer reports

It is Equifax and I have contacted them to remove and I have depute before with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to them last XX/XX/2022 and until now I didn't received any response nor see any changes with my report. I never gave anyone any written consent to report anything on my credit report because of this they are violating 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) ( 2 )
Product: Bank account or service

I transferred {$500.00} to my Citizens Bank checking account on or about XXXX/XXXX/16. When I withdrew {$200.00} on XXXX/XXXX/16, the balance reflected at the ATM machine was {$440.00}. 
One day later, my balance reflected - {$53.00}, and a {$35.00} fee was assessed as an overdraft charge. 
When I messaged Citizens Bank online, " XXXX XXXX '' informed me that the {$500.00} did not show up in my account until XXXX/XXXX/16, and that the {$35.00} fee would not be waived. However, as I checked my account balance at the ATM ( Citizens Bank 's own ATM machine! ) and it was over {$600.00}, I do not believe a {$35.00} fee should have been assessed. I am happy to file a XXXX or any other complaint as needed to achieve this refund, as the fee assessed was clearly fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any inquiry that was 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

There was a debt of {$180.00} that showed up on my credit report. I contacted the debt collection agency ( Credit Collections Services ) on XX/XX/2020 to settle and paid this debt for {$92.00} on XX/XX/2020. This collection agency updated my credit report stating that I still {$92.00} active. I call several time asking when were going to report to the credit that this debt has been settled and paid because on XX/XX/2020 I reported to the credit bureau still owed and is still showing still owed although they said that they reported settled, paid and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was checking on my credit which i normally never do and i noticed that i have XXXX unauthorized HARD inquiries on my report that i have not done any business with what so ever. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently looked ay my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX
Product: Debt collection

Due to a clerical error at the mortgage company they added condo insurance on my single family home which already had the proper insurance. It took me over a month of phone calls, emails and faxes to finally find someone to fix their error. Meanwhile they have harassed me with repeated phone calls insisting I owe them an additional {$240.00} with a late charge. They have even sent an updated payment booklet with the corrected amount of {$1100.00} for every month in XXXX that was sent on XX/XX/XXXX. I pay {$1200.00}. every month. I have explained the situation to their collections department and they insist I must pay this debt for the XX/XX/XXXX payment. Their mistake that has been corrected by their insurance department but I am expected to pay? Please makes them cease and desist. It is not my debt and they need to fix my account and records. I do not want a blemish on my credit due to their error and inability to communicate between their departments. I hope you will be able to help. Thank you.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I received a text alert stating that my debit card had been used for a {$230.00} transaction at a XXXX XXXX XXXX. Immediately after, I attempted to call Wells Fargo but received an incoming call appearing to be from Wells Fargo, claiming they were contacting me due to suspicious activity on my card because I hadnt responded to the alert. 

The person on the call provided detailed and accurate information about my last three transactions and mentioned that an attempted {$1000.00} withdrawal had been credited back to my account. They also informed me that there was another attempt to withdraw {$2000.00} from my account. As their information matched what I saw on my account, I believed it was legitimate. 

At that time, I was at XXXX XXXX, paying for a XXXX  using my Wells Fargo Debit Card. I mentioned this, and the caller told me to use a different card because my debit card needed to be canceled. I then used my Wells Fargo credit card to pay. 

The caller offered to expedite a new debit card for a {$35.00} fee, which I declined. They then said the fee would be waived, and the card would arrive within 23 business days. Before canceling my card, they asked me to enter my PIN using my phone keypad. I did not say my PIN verbally. 

After ending the call, I immediately called Wells Fargo myself to double-check everything. I had a bad feeling. A legitimate Wells Fargo representative confirmed that they had not contacted me, and they immediately closed my account and canceled my debit card. 

I reported the fraud within minutes of the incident. However, when I followed up with Wells Fargo on the 7th business day, I was told the case was still under investigation. By the 10th day, I was informed that the claim was denied because the card had been used to make the withdrawals and no evidence of fraud was found. 

I would like to stress the following : * I had my debit card in my possession during the fraud. I am the only user of the card. 
* I am a single mother, and nobody else has access to my debit card or PIN. 
* I was tricked into entering my PIN because the fraudsters had accurate account information, and the call appeared to come from Wells Fargos number ( a known scam tactic ). 
* I received an official Wells Fargo Fraud Detection email about the first {$1000.00} withdrawal attempt, warning me to act yet Wells Fargo still allowed a second withdrawal of {$2000.00}. 
* I promptly filed a police report, as instructed, and provided it to Wells Fargo. 

Despite my fast response and the clear signs of phishing, the fraud claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$440.00}, XXXX XXXX  XXXX  XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

XXXX XXXX ( Money Mart ) ceased operations in California and refuse to refund my balance. I contacted, them by phone, used password, provided last 4 and haven't changed my address of record. They stated that I have to remember my last transaction which was in XX/XX/2023. 
The outstanding amount is only {$30.00} but the provider is maliciously withholding the balance.
Product: Bank account or service

Someone stole my check book, wrote themselves multiple checks, forged my signature, and cashed the checks worth {$6000.00}. I filed a police report, printed out the fake checks, and gave them to the bank so they can pay me back the money taken from me. It has been a year and a half, nothing has happened.
Product: Debt collection

Several accounts appear on my credit report without my consent and are incorrect. Please remove these fraudulent accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

I have an account listed on my credit report from Vance and Huffman LLC. When I view my credit report the account is listed in collections and fails to state who the original creditor is. I had recently attempted to contact Vance and Hauffman to see who the original creditor is as its not showing that information on my credit report. The representative I spoke to with Vance snd Hauffman tell me that they no longer have the account and I would need to speak with someone from a different agency to verify the information and make payment etc. They give me the phone number to XXXX XXXX XXXX  and I contact them. After verifying the original creditor and me realizing the account is mine I make full payment to XXXX XXXX XXXX. The credit reports should have reflected accurate information. I want this account removed off my credit reports since I did pay in full.
Product: Debt collection

The company placed it on my credit I was roommates with someone and they did not pay their half.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling 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 infeasible. The CFPB 's 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: Mortgage

This is complaint against XXXX XXXX XXXX, ( XXXX ) CEO The PNC Financial Services Group , Inc. c/o PNC Bank , N.A. for running criminal enterprise specializing in forgery of public records specifically related to mortgages to legitimize theft of people homes. XXXX was given notice of opportunity to settle a claim on XXXX XXXX against my property, but he kept silent and proceeded using deception to execute of his false claim. In said letter I wrote '' This XXXX XXXX subsidiary which still holds the people ( remnants ) of dissolved National City Mortgage , Co./National City Bank contrary to its banking mission, rather doing banking services focus on forgery and tampering of public documents and government records for purpose to use them under false pretense to take people 's homes which has been apparently more lucrative business then lending money '' XXXX  as CEO is a front man of several subsidiaries allows these satellites without restrictions prey on individual consumers, specifically concerning on mortgages where the stake is house, the most important asset of people. The complaint involves PNC Bank, N.A. in XXXX Ohio, an institution who forged public records of State of Ohio, which then paved them road to theft of my property. XXXX has been keeping XXXX eye on the crimes of his subsidiaries, knew that forgery of public documents took place, but did nothing to restrain them, thus is equally guilty for these crimes. Pleas note, that all replies to this complaint must be by XXXX only and have to be verified under penalty of perjury. No lawyer meddling in answer this complaint is acceptable.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX :
Product: Debt collection

Hunter Warfield has stated that I owe an amount of XXXX for an apartment that was leased. I have reached out to them and disputed the charge several times. This charge is on my credit report and rental history. Hunter Warfield has sent me a copy of a lease however there is not 1 signature that verifies that I signed a lease. ANYONE could have generated a lease and filled it in with numbers but there is not one initial or signature from myself or my spouse. I am requesting this charge to be removed immediately. On my previous claim with CFPB, Hunter Warfield also sent a copy of the lease with no signatures. Please verify that I signed this lease or remove it from my rental history as eviction and remove from my credit report.