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

This account was opened fraudulently. I did not authorize this account, nor did I apply for it. The submission of terms and conditions and an applicationwhether forged or otherwisedoes not demonstrate my consent or involvement in opening this account. I have previously submitted a formal identity theft report and supporting documentation, including a copy of my government-issued ID and proof of residence. Despite this, XXXXXXXX XXXX has failed to conduct a proper investigation or substantiate their claim that the account is valid. The presence of this fraudulent account on my credit report continues to harm my creditworthiness and causes me unnecessary stress. Under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX and the credit reporting agencies are obligated to ensure the accuracy of information they report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a XXXX XXXX XXXX XXXX was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted XXXX XXXXXXXX XXXX on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent XXXXXXXX XXXX account, which I did.. I also sent documentation to TransUnion, XXXX and XXXX. XXXX XXXX 41 days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. TransUnion, XXXX and XXXX are not willing to fix my credit ( eliminate the XXXX XXXX XXXX XXXX and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only fraud alert is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( XXXX XXXX, XXXX, TransUnion, XXXX ). 

Can't these people understand that it makes no sense for me to open a XXXX XXXXXXXX XXXX XXXX a month ago, Spent XXXX dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????
Product: Checking or savings account

I had an online banking account with Wells Fargo which consisted of my checking account ( XXXX ), a credit card account, and a stock account. 
The credit card was hacked but the bank caught it and I did not lose any money nor the bank either. They immediately froze my account. This all happened on XXXX, I have been very XXXX XXXX XXXX XXXX XXXX without being able to use the phone. I have contacted them with a letter and have addressed this many times over by feedback via my email account. All the hoops they suggested I make because all this time they say they could not be sure of my identity. 
I had a friend contact them by phone and all they did was say to him, we do not know who you are ( this was done as their suggestion ) and they hung up on him. 
I do not know why they are doing this but my health has certainly been a rock block because I can not get up and go to their office. This account has all the money that i have so it is very important they unfreeze my account. 
I have had trouble with trying to open an account with another bank and I wondered what had happened to my credit rating so I contacted the Credit Rating company and they refused to send me my credit ratings because I do not have a mobile phone. Sound crazy but this has been going on for over 2 years now, as you can see. I got your venue from the XXXX.
Product: Credit reporting or other personal consumer reports

This morning ( Friday XX/XX/XXXX  ) I got an alert from the Credit Bureau Agency 's I pay to monitor my credit monthly/keep my accounts safe. 

Out of nowhere my Credit Bureau I pay EXPERIAN- lowered my Score by XXXX points lower ( From constant XXXX level to now XXXX ). 

I scrolled down my Credit Report to see if there was fraud or false charges. There were none. As far as I can tell- this near XXXX POINT drop ( and I go from EXCELLENT Credit down to VERY GOOD now )- is that living in XXXX XXXX XXXX - I do not have a recurring Auto, Home or similar payment. Nothing in this area has changed in 20 years when I last had a car payment. I worked VERY hard to bring my credit card balances to at or near XXXX - and I get punished severely for not taking out senseless, risky out of budget car or homes people in XXXX XXXX XXXXXXXX don't or can't afford in a lifetime to own. Also as I am looking to move long distance -this could make an Car Loan or Home loan higher payments, higher interest or me seen as more risky for any loans. 

This is absolutely false- and a no-warning gimmick they get to punish you with for keeping good credit, but not bringing on senseless risk. I contacted them, I have to wait 5 business days as this fake score stands as official - and I ask for intervention/correction as this has never happened before, is so severely punishing/harmful - and hurts innocent people who pay off their credit. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I received a message on my answering machine from Sentry Credit XXXX on XXXX XXXX at XXXX. Fast talking woman left message saying it was an attempt to collect a debt and to call her back at XXXX. I am a retired XXXX was breached and I am covered by an XXXX paid for by the XXXX. I get monthly updates and have access to all XXXX credit scoring reports from XXXX, XXXX and XXXX. I also receive my credit score each month with XXXX of my credit card bills. I am not behind or late on any payments I do not owe anyone any debts. I believe this is a scam credit collection.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as 30 and 60 days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX  XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Hello I joined XXXX last week.. Noticed a debt. ( medical ) was in collections from a XX/XX/XXXX.. XXXX Visit.. That my medical plan and company med plan had handled. This company called me for ..XX/XX/XXXX.. Had contacted XXXX .. Was told Its handled.. Here is confirmation # s bla bla bla.. Told them that they still called a couple times ... Then stopped. I figured they got the info.. This is an agency the hospital uses.. From the start.. They never called me.= The hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to the debt collector, they wont speak with me as the name and social dont match. Ive tried to resolve this with the credit bureau and they refuse to remove it even after seeing the social security number and name do not match
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Debt collection

I am writing to you to find out how you can help me. This company is reporting an account on my credit report as being in collection, but the account doesnt belong to me. Ive never lived in XXXXIve always lived in XXXX XXXX, yet this account is showing up in my credit history. I contacted the company, and they alleged that the account is mine, even though it isnt. Ive never lived in that state ; Ive always lived in XXXX XXXX. Also, I informed the credit reporting agencies, and XXXX removed the account from my report, but XXXX and XXXX refuse to remove the incorrect information. I hope that you can help me, because I filed another complaint with the FTC. I have included proof that XXXX removed the account from my credit report. But XXXX and XXXX refuse to remove it. I dont know very much Englishif I didnt give the correct answer to the question for the complaint that Im filing, please excuse me, because I dont know English. Im doing what I understand. Thank you. I hope to receive your help as soon as possible.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF XXXX  of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion, XXXX, XXXX and XXXX XXXX Is falsely stating on my credit report and have yet to remove this from my credit report.
Product: Credit card

I recently made a purchase on XXXX on XX/XX/XXXX. This purchase appears as pending on my credit card statement for {$1800.00}, and the reason I am contacting you is because of the price advertised by Capital One Shopping extension, with an estimated total including taxes and shipping for {$1300.00} ( see attachments ). 

I could not see this transaction as pending on the Capital One Shopping platform by XX/XX/XXXX, although I did see others made on XX/XX/XXXX. I spoke with a representative on the phone who explained that the rewards might take XXXX days to show up on Capital One Shopping account. 

Since the price difference of what I paid and what Capital One Shopping was promising was quite large, I sent an email to their support team for confirmation that I would be seeing either a credit on my card statement or available rewards in the approximate amount of {$470.00}, as was promised in the advert. 

They replied the following : " XXXX ( Capital One Shopping ) XX/XX/XXXX, XXXX XXXX Thanks for contacting Capital One Shopping! 

I'm sorry to hear about your experience. 

Capital One Shopping does not offer XXXX XXXX for XXXX purchases, but we do offer Price Comparison while shopping on XXXX, as well as, available promo codes! Learn more about XXXX XXXX and how to earn them at our Help Center. 

Capital One Shopping utilizes a complex product matching system in order to compare prices on the same products across the e-commerce landscape, including nation-wide retailers along with trusted, reliable marketplace sellers. In rare instances, the compared products may slightly differ, so it's important to verify the product you're purchasing before submitting your final payment. 

As a community of buyers, Capital One Shopping is always improving its product comparison technologies via feedback from members like you. After being taken to a Capital One Shopping-recommended product, you'll notice a pop-up asking if you'd consider it to be an accurate comparison. Please let us know. Any comparisons proving to disappoint users are quickly updated or excluded. 

For the specific product you purchased, any return or refund will need to be arranged with the retailer or seller themselves. I hope this is helpful, and please let me know if I can be of any further assistance. 

Thanks for understanding. 
XXXX '' Nowhere in their advertising did it state that this was only a price comparison and not indeed what the final price would be, or that the price advertised might not be accurate. I made the purchase confidently, naively trusting their advertising.
Product: Credit reporting or other personal consumer reports

It's been a daily breach information been illegally exposed and shared with the wrong XXXX XXXX
Product: Mortgage

I attempted to pay my mortgage on XX/XX/10 to find that there was no information about it on the XXXX website and it was paid in full. I have attempted to call XXXX 11 times and sent 2 messages asking where my loan was sold to. I am unable to get to a representative and the automated system is not helpful and disconnects me. I have no idea where my loan was sold to and was not notified as required by law. I need assistance to find out where my loan is and how to pay it.
Product: Credit reporting or other personal consumer reports

Send certified mail to XXXX, XXXX and transunion on XX/XX/year> I havent received anything email or via mail. My report doesnt reflect that everything I disputed is being investigated. Transunion committed unfair acts or practices in violation of the Consumer Financial Protection Act.

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit card

I had fraud activity I have a max limit of {$300.00} & I got mail saying my account was closed and I owed over {$1000.00} and thats not right because someone used my card info and made purchases I was unaware of and. I dont understand how they even allowed for that to happen. On my XXXX XXXX it says my social and email info was compromised on dark web I have proof of everything. I had to go to court because a girl used my name and birthdate and got a felony charge in my name which resulted to me going to court and getting a judicial clearance paper which I still have to show it wasnt me who committed the crime I am a victim of identity theft and Im willing to provide whatever proof needed to get this cleared and my credit back on track
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 has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

The Santander Consumer USA wrote a loan for a used XXXX, and the loan was closed. The NC Attorney General filed a civil action against Santander Consumer USA for the very same reasons that included the used car loan. Both reached a settlement agreement, including the following settlement summary in attachments. The settlement was to remove all the debt and dissolve them from the credit report. The record should from Santander Consumer USA should be removed from the credit report.
Product: Mortgage

Attached is paperwork from Carrington Mortgage showing my mortgage interest rate changing every 6 months. I 've also attached information stating Carrington & XXXX XXXX apart of a class action lawsuit for their discriminatory practices. I feel I 'm being discriminated against because I 'm a XXXX woman and head of my household. I do n't want to loose my home. Please help
Product: Debt collection

The Vehicle from original creditor, XXXX ( XXXX XXXX XXXX ) was XXXX XXXX in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. XXXX THEN sold my information without my knowledge to a third party ( Persolve Legal Group ). The account has been reported as a charge off and NOT a repo. It was XXXX XXXX and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? Persolve Legal Group has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. XXXX is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), Persolve Legal Group falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to XXXX XXXX and XXXX XXXX Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. Im now opting out any and all authroizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute and the credit bureaus took longer than the allowed amount of time by law for resolving the inaccurate information.
Product: Credit card

Tried calling the merchant directly at XXXX regarding my credit card payment of {$1000.00} that was made an error online payment system and just wanted to pay {$110.00} towards my monthly payment of interest, I tried resolving this matter directly and was told that I would have to wait 7 to 10 days before the error of payment could be corrected. However when I followed up on the money being returned to my bank of XXXX XXXX online account, they told me that it could not be done best was done online electronically and could not be reverse payments of the difference in payment. I was very upset being my bank account became overdraft with zero money in my accounts and I am on a fix income with Social security checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : Account # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Delete this account.