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

I am urgently address the continued presence of fraudulent items on my credit report despite my previous attempts to have them removed. Despite providing all necessary documentation and following the prescribed procedures, the fraudulent items persist, negatively impacting my creditworthiness and financial stability. 

As you are aware, I previously initiated a formal dispute and provided detailed documentation to support my claim for the removal of the fraudulent items from my credit report. However, to my dismay, the fraudulent items remain unresolved, casting doubt on the accuracy and reliability of my credit report. 

The continued presence of these fraudulent items undermines the integrity of my credit profile and poses a significant threat to my financial well-being. As a responsible consumer, I find it unacceptable to be unfairly penalized for fraudulent activities that I did not initiate or authorize.

Furthermore, the delay in resolving this matter and the lack of communication regarding the status of my dispute have further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the persistent presence of these fraudulent items, leaving me feeling disregarded and vulnerable to further financial harm.

I urgently demand immediate action to thoroughly investigate and rectify this situation by expediting the removal of the fraudulent items from my credit report. Given the urgency of this matter, I request prioritized handling of my dispute to ensure a swift resolution.

Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. Any further delay or lack of communication will compel me to escalate this complaint to regulatory authorities and pursue all available legal remedies to protect my rights as a consumer.

I trust that you will prioritize this matter and take swift action to correct the inaccuracies on my credit report. Please acknowledge receipt of this urgent complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting or other personal consumer reports

Im filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Checking or savings account

I've had a Paypal account for about XXXX  years. For the last XXXX or XXXX, my spouse and I have used XXXX XXXX  debit cards in when in XXXX because their foreign transaction fees have traditionally been lower. We have a house and business in XXXX. 

Last Thursday, I made an XXXX   to my Paypal checking account of {$500.00} USD. This is a transaction I usually do twice per month, so I've completed this same transaction literally over XXXX times in the last XXXX  years. 

This time Paypal didn't receive the money, and I only found out when my spouse tried to use their XXXX  debit card to pay for our XXXXXXXX XXXX XXXX, a couple XXXX dollars, and there were insufficient funds. This was the XXXX of XXXX. The money was supposed to be deposited by my main bank XXXX XXXX XXXXXXXX on the XXXX, so realizing a problem I called them. 

Their untrained phone agent " XXXX '' proceeded to tell me that it was because I recently upgraded my account from a personal account to a business account even though this was false. He then proceeded to cancel my business account and both of our debit cards without asking or explaining the consequences of what he was doing, then he hung up on me. 

I saw the cancelled cards notification come into my email so I called back and asked to speak with a supervisor. The supervisor informed me that the first rep I spoke with did in fact cancel my account, and that there was no possibility or putting it back or even having a business account again, which means that we're now limited to XXXX debit card. 

Paypal doesn't train their phone agents. They don't know why things break and are so poorly trained that they just do more damage. After XXXX  years of using Paypal, they nuked our account and we are forced to look for an alternate account now. No one apparently knows why they stopped accepting our XXXX, or why any of this happened. This means they're dangerous and can not be relied upon. We are now looking at XXXX, a XXXX XXXX XXXX account or some other alternative because Paypal obviously cares nothing for its clients.
Product: Credit card

I submitted a dispute to Bank of America against XXXX, Claim ID : XXXX. This dispute is regarding a warranty, which is a service so it hasn't expired. BOA sent me a letter requesting me to give them a statement about some information, which I did and faxed it to them. And I called them to confirm that they received it. BOA only requested a statement. But now BOA says they " requested, but didn't receive, a copy of the cancelation information you sent and/or received from the merchant '' and closed the dispute, without even asking anything from the merchant.
Product: Credit reporting or other personal consumer reports

Name Discrepancy My current legal name is XXXX XXXX , updated on XX/XX/XXXX, following my divorce. Despite submitting documentation ( a copy of my driver 's license, Social Security card, and court order ) to TransUnion and the other credit bureaus, my report still reflects my former name, XXXX XXXX , three years later. Charged-Off Account with Regional Acceptance Reported Charge-Off Amount : {$6100.00} The account was discharged with a {$0.00} balance. I provided TransUnion
a copy of the discharge letter and noted that no 1099-C form was issued by the creditor, indicating a potential risk of inaccurate reporting. 
When I contacted XXXX XXXX directly, they confirmed the account 's discharge. However, the erroneous charge-off remains on my report and was " verified '' as accurate despite my evidence.

Charged-Off Account with Quick Credit Reported Charge-Off Amount : {$2600.00} I contacted Quick Credit on XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, requesting clarification and a 1099-C form, but I received no response. Without a 1099-C or confirmation of the balance, the reporting of this account is inaccurate. 

XXXX Account Reported Past Due Amount : {$3400.00} This balance was eliminated, and I provided verification of this to TransUnion. Despite submitting supporting documentation, the account is still inaccurately reported as past due and verified as accurate.

I first notified TransUnion of these issues by certified mail on XX/XX/XXXX, including the required identification documents. However, I received letters on XX/XX/XXXX and XX/XX/XXXX, stating that TransUnion did not have a credit file for me. This response is unacceptable, as my concerns regarding the inaccuracies remain unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed complaint number XXXX against Bank of the West. None of the actions described in their response received XX/XX/2019 have been honored. Instead Bank of the West sent me to the collection company XXXX XXXX. XXXX XXXX is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the BotW representative named in the reponse letter, have failed.
Product: Credit reporting or other personal consumer reports

I submitted a FTC with my police report Equifax stated my FTC report is not valid which is false. I requested a response on why the FTC is not valid and wasn't responded to.
Product: Debt collection

i have a discover credit card debt that been on my credit report for years i send them a copy of my drivers license my police report that been filed stating that i was victim of identity theft my drivers license does not match the address on my license i never live at the address before i ask them to provide me proof that the debt was mine the told me the only information they have was that the account was open on line so i ask yall for help to please help get these items off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact being relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. ( XXXX XXXXXXXX XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of the receipt of this notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this XXXX XXXX now!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, my FICO credit score was reduced by 17 points because XXXX  XXXX XXXX XXXX my credit card company ) reported that I have made a late payment. The balance owed on my account was {$0.00}. I dont understand what am I supposed to do exactly? Send a check for {$0.00}? I dont understand why they reported me. 

I tried calling the company on XX/XX/2020 to resolve the issue. They stated that they will remove the report, but have not done so. 

This is a malicious practice that they are doing needs to stop. I will pursue legal action if I have to.
Product: Mortgage

We have been trying to get accurate information regarding this mortgage account for payoff. They have not been upfront with us and have made our life a living XXXX. The balance due on the principle of the home was {$6.00}. By the time the mortgage company finished with the balance it was calculated without an appraisal done by me in an amount that was mind boggling. It was posted at over {$53000.00}. 
We were asked to get an certified appraisal to appraise the home and we did XX/XX/year>. We sent all requested information as asked for by the mortgage company. The certified appraisal company forward a copy to the mortgage company as requested. They asked that we send proof of home improvements and we did. We've gotten the run around. We called several times and the phone has been re-routed many times. They say they have reached out to us and the phone calls never gets through. We were able to communicate once and the conversation was recorded. The things that the representative asked for in the recording was received, but not honored. We feel because we are senior citizens over XXXX of age that we are are being taking advantage of and our cry has fallen on deaf ears. We are at our wits end with this mortgage company and it appears these fake charges makes us looks like we are not concern about our home and that is not the issue. We have live in our home for many years and now that we have aged I/ we find it extremely disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a particular account, the account was removed and then added back on account after receiving notification that it was removed.
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 1681. 

XXXX XXXX XXXX # XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX ), XXXX XXXX XXXX # XXXX ) ; FXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX ). 
15 U.S.C 1681 Section 602A. States I have a right to privacy 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 conviction 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: Money transfer, virtual currency, or money service

I would like to formally raise my concerns regarding Zelle 's management of disputes, especially in light of the recent lawsuit by the CFPB that underscores significant problems with the platform. Despite having used Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims.

They informed me that recovering my lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also permitted repeat offenders to take advantage of the system, putting users at risk of scams. The absence of accountability and transparency is unacceptable and poses serious questions about consumer safety.
Product: Mortgage

I applied for a reverse mortgage and was not understanding any of the procedures and most facts. I simply did not understand the ramifications or mortgage satisfactions. I needed to get rid of my mortgage payment as I was unable to make ends meet. I am aware of paying off my home mortgage for {$27000.00} which I believed was the mortgage I had. None of my XXXX mortgage satisfaction statements are in this amount. I also have satisfaction of mortgage statements for {$30000.00} filed as document loan # XXXX XXXX dated XXXX and recorded XXXX and notarized in Montana on XXXX. There is certificate of satisfaction of mortgage for {$33000.00} document # XXXX dated XXXX recording date XXXX ; and notarized XXXX XXXX XXXX Last satisfaction of Mortgage is loan # XXXX NM dated XXXX ; recorded XXXX and notarized in Montana XXXX XXXX. Also included is Schedule of liens for Home Mortgage of {$27000.00} and unknown Wells Fargo Bank lien XXXX for {$33000.00} of unknown date under schedule of Closing Costs. Dates and amounts of money are not congruent and it seems there has been some error or mischief involved with so many " satisfactions '' of mortgage which I do n't know anything about and need explained. At the time of closing I received a check for a little over {$20000.00} and my home had been assessed for {$150000.00} and my home mortgage was about {$27000.00}. It does n't seem to me that I received the correct amount of money. It seems that the amount is way too low. Enclosed also is a reverse mortgage statement of XX/XX/XXXX and a letter of confirmation of loan payment ; loan # XXXX that has no signature or amount. I have tried to understand the statement, phoned Wells Fargo and others and still do not understand it. I do not understand what has happened to me and need help in addressing the problems I still have with it. I have been suffering from inertia regarding this and am reaching an age where I feel I need my papers in order which they are not. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 Credit Bureaus regarding the reporting of inaccurate and unverified information that they are continuing to report on the credit report file they maintain under my social security. I have been disputing the inaccurate public record Bankruptcy information with the credit Bureaus. 
XXXX conducting an accurate investigation and found the information to be inaccurate and promptly delete the public record from the credit file maintain under my social security number. Please see attachment. 
Experian repeatedly stated that the inaccurate public record information is accurate and verified through a third party vendor ( XXXX ), which is a clear violation of the FCRA. 
Experian refused to follow the law that govern its company and continues to report the inaccurate information on my credit file. 
The FCRA is clear and there is nothing to interpret or misunderstand. Each bureau does not interpret the law differently, as the language is clear as to what must be done once disputes are received. 
Experian repeatedly refused to provide me with copies of any original bankruptcy documentations, which is a clear violation of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA.

I contacted Experian and request a Reinvestigation. Experian stated that a Reinvestigation will not conducted unless additional relevant information to support my claim, which also a violation of Sections 611 ( a ), 616 and 617 of the FCRA, 15 U.S.C. 168 ( a ), 1681n, and 1681o. 
In good faith, I have made all attempt to have the court verified the accurate information to Experian. The court stated that it doesnt transmit information to the credit bureaus. Please see attachment. 
Experian have showing negligent and willful failure to reinvestigate the dispute. And continues to report this inaccurate information which causing severe damage to my credit report and Fico score. 
Please note : This is a very serious matter. The inaccurate item must be properly Reinvestigate, legal verified/validate with proof or remove pursuant to section 611 of the FCRA. 
Thank you for your time and consideration regards to matter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Experian and XXXX along with OTHER 3rd party businesses, or affiliates currently show negative, inaccurate derogatory information reporting from XXXX XXXX XXXX XXXX. The issue is I never had an open revolving visa cash rewards credit card with a balance pending in the amount of {$100.00} or more with a limit of {$5000.00}. I had a cash rewards visa but that was paid off limit amount {$3500.00}. I have never consulted nor consented for XXXX to sell my name email to any mutual insurance or investors. In addition my mortgage and other personal loans are not being posted accurately by these 3 bureaus from XXXX XXXX  XXXX. There has not been a lag period more than 30 days. Why is XXXX reporting to Experian after paid and closed $ XXXX but updates highest balance $ XXXX? Just a lot of inaccuracies not doing me any favors. Instead things appear as though they are not in my case late, delayed, or hurting characterized in payments. However I have no delays no deficiencies pending w/any lenders mortgage payments or XXXX XXXX  all in good standing. The current mortgage value is not $ XXXX it's below. And XXXX leads what other lenders are seeing on my report.
Product: Bank account or service

In 2006? I took out XXXX home equity lines of credit on XXXX of my properties. When I took out the loan I was lead to believe that line of credit would be for the life of the loan from my original morgage with XXXX XXXX. I got a letter from BOA that states that the interest rate is going to go up. They show an amount that double plus more than I am currently paying. I went to them and asked if they would allow me to keep the present line of credit and I was told no, because they do not offer lines of credit any longer. I want them to reconsider my request and not allow my payments to go three times what I am paying now..