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

I spoke with an Experian customer service representative on XX/XX/XXXX. I asked why I wasn't able to generate a current credit report. The only credit report that Experian is showing to me is from XX/XX/XXXX. The representative told me that my address is missing from my credit file. I told her that I've been at the same address for 8 years. 

I've applied for multiple credit cards and an auto loan and have been approved at this same address. I told the representative that if my address is missing from my credit file someone at Experian caused the error. I didn't remove my address from Experian 's system. Clearly I don't have access to Experian 's system files to be able to alter information. I want to be able to generate, view, and download my most recent credit report. 

I don't want a credit report from XX/XX/XXXX. I asked to speak with a supervisor twice while speaking with two different Experian representatives today XX/XX/XXXX. I was placed on hold then told that there were no supervisors available at the time. One would call me back in three business days. I've waited months on a call back from an Experian supervisor. I'm still waiting on that phone call. 

I want my account fixed so that I can generate an up to date credit report. Thank you.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns about Zelle. When I used Zelle, I had a discrepancy with a transaction that was made, and I reported it to the company and they did not assist me in getting my money back. The lack of assistance I received is alarming and I do not feel safe or protected by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 card or prepaid card

When i went to get a car they pulled up my credit report and i said all these fraudulent accounts and all these inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

There is a charge from " XXXX XXXX '' from XX/XX/year> for {$170.00} on my Bank of America card. I never made a purchase from them. No one in my family or any other users of my card did either. 

My card was promptly blocked by BoA for suspicious activity. ( They recognized it was likely fraud!! ) The card was canceled and new card issued. We filed the fraud claim and assumed it would be routine since it was obvious. 

The claim was rejected around XX/XX/XXXX because the " charge was made using one of my verified devices like a phone or tablet ''. 

I finally got a hold of someone after spending a long time on hold and they could not tell me what " Charge was made using one of my verified devices '' meant. I confirmed I didn't make the payment and asked what the order was for and where they were sent. They gave me a general location and name and it was completely unrecognizable and they rep said they could resubmit since I confirmed. 

It was declined again around XX/XX/XXXX. No further info was ever given. I re-requested all info ( like name of who order, shipping address, how the charge was made, and again they didn't provide anything. They said they would mail, and only sent me generic info. 

I requested order ID info so I could contact the vendor since they wouldn't and they didn't provide it. I requested it be reopened again. 

It was declined again with the same generic form letter on XX/XX/XXXX. 

The day before the fraudulent charge, I did stay at a hotel I made through XXXX. When I checked in there, they did have my reservation paperwork with my credit card info hand written on the paper. I do not know if that is related, but it's highly suspicious. I had informed Bank of America of this. 

Bank of America has a " {$0.00} Liability Guarantee '' and they shouldn't be allowed to claim this if they don't honor it... 

I am attaching the 3rd denial letter. All 3 were the same identical document.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX  XXXX Balance : {$6600.00}, XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX TX ) XXXX Balance : {$1500.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$14.00}, XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$5.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXXXXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

The creditor XXXX which is XXXX XXXX XXXX XXXX already agreed to cease communication as I have sent a cease & Desist to the company about the alleged debt. Credit reporting is a form of communication and Equifax continues to report it even after the creditor agreed to remove it. This is a notice to Equifax that if they dont remove the account there will be legal action for violation of federal law. The cease & desist will be attached.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I am unaware of them, and they were done by the company without my approval.
Product: Credit reporting or other personal consumer reports

So i want to be very clear, i have inquires that have been on my report from the past and a few recently that i did not apply for. I reached out to the bureaus months ago and have yet to receive a reply which makes me feel like i cant get any help when i didnt apply for these accounts which are listed below : 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
Product: Debt collection

Credit report states this account was open XX/XX/2016. The account status is still open. I didn't receive any notification of this debt by phone, mail or email. I noticed this account was being marked as I had " missed payments ''. I am doing my due diligence to work with the creditor " GRANITE STATE MGMT - DIR '' to pay my monthly payments on time but I am still concerned about the negative remarks on my credit report saying I have missed payments. The negative remarks are affecting two seperate accounts, coming from the same creditor " GRANITE STATE MGMT - DIR ''. One balance is {$4500.00} and the other account balance is {$2100.00}.

I would like to address this immediately and ideally, have the " missed payment '' negative remarks removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX  XXXX XXXX and XXXX XXXX. Also, please remove this incorrect address, this is not mine : XXXX XXXX XXXX XXXX XXXX, AZ 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  XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Checking or savings account

On XX/XX/2023, I attempted to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX., to obtain {$60.00}, using my Chime Checking Debit Card. I went through the screen process of selecting which account I wanted the money from and how much money I wanted. After that my card was returned card and I immediately got a notification on my phone from Chime that {$63.00} had been deducted from my account but then a message came up on the screen that no cash was available. I immediately take my cell phone out take a picture and try and wait to see if anything else will happen and nothing does, so I drive off. I was going to call XXXX XXXX on XX/XX/XXXX later on that morning but saw that the transaction was pending. I decided to wait thinking, just maybe the money would be reversed once they realized the error when they went to put money in the machine, etc. XX/XX/, the {$63.00} was posted to my account ( along with {$2.00} Chime atm fee ). So I called XXXX XXXX and they told me to go to the local branch. I went to the local branch where the drive-through is located and was informed by employee XXXX XXXX that they do not service the drive through atm and she gave me a card with a number to call. She also informed me that in the near future, it is best to use the walk-up ATM, so if that happens, I can easily have my money returned. When I called the number provided I was informed that they could not help me because I do have a XXXX XXXX account and that I would have to go through Chime. I have file a dispute with Chime on XX/XX/ only to be told on XX/XX/ that it was denied and they have provided me with no single proof or evidence that have been in contact with XXXX XXXX. My case has been so called been reopened, but I know this is all talk, because when the representative told me if I had anything else to upload to help my case, I told her how can I do this, if within the app it still says CLOSED. She was like, it's still open if you call, and I would have to call and they would have to send a link so I can upload proof, which sounds like more no sense. I even spoke with Chime Dispute supervisors on a couple of occasions, if you truly talked to XXXX XXXX, all you had to do was ask for a picture of me receiving cash like they so-called claim ( which they will not be able to ). It's that simple, the atms has cameras for a purpose. I have filed disputes in the past with Chime and luckily for me, going through the merchant was the ONLY WAY I GOT MY MONEY BACK. In this case, I can not go through XXXX XXXX because they are telling me to go through Chime and Chime is DOING NOTHING!!!
Product: Vehicle loan or lease

Was sent two contracts when I turned them in for not updating my credit or updating the account I asked why was there two contracts and the lady could not give me a answer told me she would look into it well we have gone 4 months and nobody has told me anything I only signed one contract so if the dealership or the finance company signed the other contract which is illegal my lawyer has instructed me to file a lawsuit against the dealership and the finance company
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my report, shared without my consent, credit inquires
Product: Debt collection

I have been being contacted by different but alike numbers since XX/XX/2024. When thus " company '' leaves a voice-mail they do not always introduce who they are or why they're calling. My last voice-mail simply said " hello '' in a very rude and bashing tone. Looking at the reviews of this company it seems that they may partake in fraudulent activity and I have no interest in paying off my debt to them. I'm currently working with another debt collection company who is wonderful and understanding.
Product: Student loan

Follow-up to complaint XXXX. Original complaint regarding missing payment information ( last payment showing at XXXX!! ) took over 7 months for EdFinancial Services to investigate and finally. According to FCRA, this should have been completed in XX/XX/XXXX. Information needs to be removed.
Product: Debt collection

Comenity Bank/ XXXX XXXX during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my C & D will be documented and used as exhibits for knowingly and willfully violating federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a denial for XXXX Personal Loan because of LexisNexis Risk Solutions Inc. Risk View Consumer Inquiry Department This is not fair I am disputing the information reported by XXXX it is totally incorrect and going to be being removed so how do I stop these Profiling Risk solution companies to stop stop profiling me on bogus false information I am XXXX and a victim of identity theft and I demand to have this illegal practice of profiling on me to stop forever I am tired of it
Product: Credit card or prepaid card

I made a payment on due date of XX/XX/XXXX. On their app it stated {$10.00} minimum due. On auto pay. I paid that. There was only {$39.00} used on the card at the time. 

I check back now XX/XX/XXXX and it says {$88.00} due past due. No notification, no phone call, nothing. I called them today. At first I called and after going through prompts continental finance it seemed like someone picked up the call and I heard background noise but no answer for like 5 mins. 2nd time I called I was eventually transferred to a lady who told me that minimum {$35.00} you paid less. I told her auto pay said 10 was minimum which I paid. She was firm and didn't refund my late fee. 

I ve been with this company for almost 3 years. I've paid my bill on time almost every month. At worse maybe 4 or days late but even through COVID I always tried to make it a priority to pay them on time. Made a lot money off my back with their interest. They have yet to give me any increases on my limit and shown me they don't value me. I can't cancel the card as it will hurt my credit age but I am disgusted with them and would like something done.
Product: Checking or savings account

I wrote a check on XX/XX/2021 to payoff my auto loan with XXXX  XXXX XXXX. They hadn't received the check by XX/XX/XXXX. I put a stop payment on the check with Chase ( the week prior ) and called XXXX  XXXX XXXX to payoff the loan on XX/XX/XXXX. XXXX  XXXX XXXX cashed the check ( that had the stopped payment ) on XX/XX/XXXX. Chase failed to stop the payment and XXXX  XXXX XXXX cashed a check after I paid off the entire loan. Now my bank account is overdrawn and Chase is refusing to provide a provisional credit and XXXX  XXXX XXXX is refusing to issue my return my funds ( although I owe them nothing ).
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX FOCUS FINANCIAL SERVIC AKA Palm Beach Credit Ad XXXX XXXXour company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXXMD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the carelessness of Zelle 's handling of disputes, particularly in regards of the recent CFPB lawsuit casting light on issues with the platform. Despite using Zelle a plethora of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims accurately.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 is it a dereliction of duty to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is unacceptable and careless for all parties involved.
Product: Credit card or prepaid card

I am submitting this complaint on behalf of my XXXX XXXX XXXX mother, of whom I am POA and Trustee of her accounts. Currently she has a Capital One XXXX which pays for XXXX specific and regular monthly expenses - Medications and a storage unit for $ XXXX. 
CaptialOne bank double-charged my mother 's XXXX Bank checking account through auto-payment on XXXX XXXX, XXXX. Rather than XXXX monthly charge of {$80.00} for a storage unit, her account was charged ( also by auto-payment ) an additional {$80.00} fee, creating an overage of {$80.00} to her account. 
As her POA and Trustee, I attempted to speak with CapitalOne personnel by phone more than once. I filed a paper form with CaptialOne detailing the dates and discrepancy and sent it by FAX XXXX XXXX, XXXX at their request. All responses from Capital One have led to no resolution. 
There is still an outstanding {$80.00} over-charge by CapitalOne, as evidenced by the attached downloaded CapitalOne transactions via the CapitalOne website, downloaded XXXX/XXXX/XXXX. However, I checked her account balance online today - XXXX CapitalOne shows the current balance of zero. The downloaded transactions show a clear {$80.00} credit owed to my Mother 's trust account. The company has not provided a charge to resolve the double credit regardless of multiple attempts at communication. The balance reported by CapitalOne does not agree with the downloaded transactions.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

XXXX XXXX XXXX  Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2015 Balance : {$80.00} Terms : High Balance : {$80.00} Limit : Past Due : {$80.00} Payment Status : At least 120 days or more than four payments past due Comments : CONSUMER DISPUTES - REINVESTIGATION IN PROGRESS COLLECTION ACCOUNT