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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

The bank doesnt update the available balances in my account causing me to eventually have to pay a returned check fee causing my account sometimes to go into the negatives. This is not fair being that this is something they should have no problem with doing. My eyes are not always in my account though if I feel that funds are low I will check it and do the math myself sometimes they charge even when the other party has made a mistake and they take those funds once returned as well as more
Product: Money transfer, virtual currency, or money service

I was called on XX/XX/year> at XXXX by Wells Fargo to see if I had been to XXXX XXXX XXXX XXXX I explained no. They told me that there was fraud on my account and over {$5000.00} had been spent. I did not give them my account number, user name, password or any routing numbers. They were already in my account and had all of my information. I went on my computer while on the phone and pulled up my account. {$5400.00} was missing. They said they were sending me a secure code so they could overturn the unauthorized charges. I was told it would take a few days to be corrected. I checked later that day and {$3800.00} was gone, both were done as wires to XXXX XXXX  XXXX with the beneficiary XXXX XXXX XXXX. I also had a {$1900.00} cash advance taken out on my Wells Fargo credit card that is linked to my account. None of this was authorized. I immediately went to my bank in person to file fraud claims. I have filed a police report, filed a FTC report XXXX, XXXX report XXXX, an OCC report and now XXXX report. My claims with Wells Fargo have been denied because someone had access to my account. I never authorized any of these wires or the cash advance. Wells Fargo is still researching the {$5400.00} claim XXXX which also included the cash advance, but denied the cash advance and the {$3800.00}. Again, both wires went to Bank XXXX XXXX and the beneficiary on both was XXXX XXXX XXXX. I have no idea who that is.
Product: Credit reporting or other personal consumer reports

Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.
Product: Credit reporting or other personal consumer reports

I have sent 3 letters to Transunion since XXXX all requesting validation of the debts that are being reported by third party. They are sending me letters stating I am not the one sending them letters although I send them a copy of my photo ID and current utility bill which verifies my address.
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 US DEPT OF EDXXXX ACCT XXXX XXXX ( 6 ACCOUNTS ) ALSO XXXX IS REPORTING THE ABOVE STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON TRANSUNION ITS SHOWING " EXCEPTIONAL PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In 2018 some one buy and vehicle XXXX XXXX under my name I will lose my wallet on 2018 on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and 2 credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not XXXX or XXXX they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains
Product: Vehicle loan or lease

Bought Use Car on XX/XX/XXXX : XXXX XXXX, XXXX XXXX body type : SD Odometer was XXXX. 
The price was {$16000.00} Capital One Auto Finance pre-approved {$1000.00} A down payment was {$1200.00} The amount financed was XXXX The total Cash price was {$18000.00} Loan paid off : XX/XX/XXXX for {$17000.00} The term of the Loan was 72 months. Also, the auto agreement includes Mos Debit Cancellation Agreement by Capital One. bank { lender }, and XXXX XXXX XXXX XXXX [ dealar ], my credit card was ( XXXX ) Because I have high interest for a year and 4th month, I end up owing more than my car was worth [ loan upside down ], and the monthly bill was also increased. And my Vehicle 's value depreciated and XXXX lost 20 % of its value in the first year. I was out of work due to the Covid-19 pandemic and couldn't make monthly payments, so I sold this vehicle at a Lien Sale ( Public Sale ) for XXXX. And on XX/XX/XXXX, the loan was paid off by XXXX. 


I think Capital One Bank didn't give me the right loan rate, which cause me to lose my car while also losing money. For a lengthy loan, the loan period is 72 months, that's equal to 6 years. The longer the car loan, the more interest I pay with upside down on my loan. The car loan destroys my credit whenever I miss or late on payments. One missed or late payment can affect your credit for 7 years. 


As part of the high-pressure tactics Capital One representatives used to sell these add-on products to their consumers, was approval loan with low monthly income. By the time of loan approval, my sources of income were a {$600.00} Veteran Pension ( monthly ) and I was unemployed, but getting unemploy benefits weekly. However, the Lender didn't offer me a secured loan using some form of property as collateral, and the loan was supposed to be a low monthly income after six months of loan tenure, which never happened. Also, the bank encourages me to buy as one of its customers. The Bank encouraged its customers to purchase a car by offering a car financing of US {$1000.00} as pre-approved financing, and also I got this offer too. 


Capital One Auto Finance Inc Street Address XXXX XXXX XXXX XXXX. 
Tx, XXXX XXXX Phone ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, VA, Phone : XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies listed with the account which leads me to believe this account has not been properly validated or verified as accurate. 

The information that I am disputing is : Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Rating : Derogatory Open Derogatory Creditor Type : Savings and Loan Companies Auto Financing Auto Financing Account Status : Open Open Closed Creditor Remarks : Repossession ; redeemed Redeemed repossession Auto Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The late payments that are being reported are also inaccurate. How can a late payment be late 60 days consistently? What information did you receive to determine I was indeed late with these payments? Please forward this information to me immediately.
Product: Credit reporting or other personal consumer reports

This account has a XXXX balance and is reporting as a charge off account. This account was bought by third-party collection agency and theres no more relevant. Please remove now. 
XXXX account number : XXXX Please remove it from my credit report. 
I am hereby notifying you that the account on file is incorrect and I have not given XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter.
Product: Credit reporting or other personal consumer reports

inaccurate addresses on my credit report. Those Financial data systems L are not mine. I have not authorized anyone to pull my credit report. Anything on my credit report is wrong except for XXXX XXXX, and credit cards.
Product: Credit reporting or other personal consumer reports

XXXX agency if the person knows or has reasonable cause to believe that the informatioIn 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 1681.2. Account : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, has violated my rights. 

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. 

15 USC 1681 Section 602 A. States I have a right to privacy 15 USC 1681 Section 604 A. Section 2 States a consumer reporting agent can not furnish my account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer repon is inaccurate.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I am writing to you today regarding the account ( s ) below, these accounts are reporting inaccurately and therefore must be removed. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information requires you to do a thorough unbiased investigation on my behalf, the accounts are inaccurate, and therefore in violation of 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information- which states ( 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 ( i ) 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. I request that you look into these disputed things immediately and either remove or rectify them because they are untrue and negatively impact my creditworthiness. I expect a thorough and unbiased investigation into this matter. I'm ready to take legal action to defend my FCRA rights if you don't answer within the allotted time or don't carry out a reasonable investigation. I am also aware of my legal right to pursue damages in the event that you fail to comply. Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2021 Simple Bank Checking and Savings accounts which were managed by BBVA were transitioned to BBVA Checking and Saving accounts. Initially, BBVA sent instructions for how to complete transitioning your account to BBVA 's services. In this process, multiple system errors occurred with both the online banking webpage and the mobile banking app. Customer service was unavailable to answer calls when open and was unable to resolve the issue after the account was locked despite following steps detailed in BBVA 's instructions for transitioning the account. 

On XX/XX/2021, I learned that these issues were persisting and I had not heard any updates from BBVA via e-mail. Later I found that BBVA was providing updates on these issues via XXXX, but failed to reach out to account holders via e-mail addresses. When calling customer service on XX/XX/2021 extremely long holds and failure of customer service agents to address issues continues to mean I and others have been unable to access their bank accounts, transfer money, and make changes to accounts. These inabilities to make changes are likely to result in failed payments, missing funds, and unauthorized fees due to the inability to make changes to the account settings. The company, BBVA, continues to fail to address these issues.
Product: Debt collection

Hi today is XX/XX/2022 and I received a notice from my credit report stating I have a new open account. I called the company and explained to them that, that was not my account. I had no clue what it was about they explained to me and they asked for me to provide my information to pull up the account but they could only pull it up with my name. The social security number they had on file didnt even match my social security number. Now they said they will flag that account as it isnt mine. I asked if they can remove it they said they cant. I tried my best to see if they would be able to provide me with an email at least stating its incorrect and they said they cant. Im in the process of closing for my first home and this may really affect me now. I currently dont owe any debt to anyone so now this popped up on my credit report. My credit will be ran again the day before closing and this one huge mistake will make me lose the house Ive been working so hard on purchasing.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A collection opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an auto loan Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account that was reinserted on my Consumer Report Illegally from Experian, XXXX, and XXXX. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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 an account without my written instructions.

The account was also paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for reporting inaccurate names and an inaccurate address on my consumer report. These errors have persisted despite my dispute attempts, and they remain on my file, in violation of the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, specifically 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Equifax has failed to comply with this provision by continuing to report inaccurate personal information, including both names and an incorrect address.

Additionally, FCRA 1681i ( a ) mandates that consumer reporting agencies conduct a reasonable reinvestigation when a consumer disputes information on their report. If the information can not be verified or is found to be inaccurate, it must be deleted or corrected. XXXX failure to conduct a proper investigation and correct these errors is in violation of this section of the FCRA.To support my dispute and prove the accuracy of my personal information, I am providing copies of my state ID and a recent bank statement, both of which reflect my correct name and current address. My dispute will include the inaccurate names and inaccurate address that needs to be removed off my consumer report.
Product: Money transfer, virtual currency, or money service

There was a Zelle transaction that was fraudulent for {$500.00} sent to a local ( XXXX ) area code. This occurred on XX/XX/XXXX. 

My intended recipient sent an incorrect number to send the money to and caught it after we had already sent the transactions. 

Looking for the return of the {$500.00}. I have contacted both my bank and Zelle multiple times and have been bounced back and forth.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on this publicly traded security. The incorrect information contains numerous errors that need immediate correction. I assert my rights under the Uniform Commercial Code ( UCC ) 1-308 to have these inaccuracies promptly addressed and removed. 

The publicly traded security in my consumer file contains false information and needs to be removed. Specifically, the following names listed on my report are incorrect : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I have not, nor have I ever, gone by these names. I do not have a middle name, and this information must be corrected immediately. 

Additionally, the following addresses are not mine and are non-mailable addresses, requiring prompt removal : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Moreover, the following phone numbers are incorrect and should be removed from my consumer file : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX I am the rightful owner of this credit file and request that these inaccuracies be corrected to reflect my true information. I deserve to have my rights respected under UCC 1-308. 

Please investigate this matter, remove the inaccurate information from my consumer report, and send me written confirmation of these changes. I appreciate your prompt attention to this urgent matter.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about how Zelle mishandles disputes. In light of the recent lawsuit it helped me remember the continuous problems i had, which caused me to no longer use their services.Even when i reported my issues and tried to fix them, Zelle failed to correct things and didnt investigate properly. I was told it would be impossible to retrieve lost funds. I agree with the findings of the CFFB, becaude i have firsthand experiences of how Zelle neglected to protect consumers and allow scammers to continuously exploit the system leaving me vulnerable. They have failed to be accountable and transparent when it comes to these issues, which raised my concerns about consumers safety whilst using this app.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}