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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned item. If you can not prove the account information to be 100 % precise.
Product: Credit card or prepaid card

Capital One changed the terms of {$60.00} ANNUAL fee to a $ XXXX  MONTHLY fee. 
The obvious purpose is to get you to be " late '' for the fee so that a Service Late Fee can be charged. 
If this is missed, due to electronic payments, then a {$35.00} late fee gets missed and a 30-Day Late charge is sent to the Credit Bureau. 
Capital One has refused to reverse the report to credit Bureau. 
Credit bureau has refused to do anything about it.
Product: Payday loan, title loan, or personal loan

I believe in XXXX  I opened a loan with Seedfi that was offered as a grow plan. You technically borrowed a certain amount but only received half while the other half went in a savings account. In XXXX Seedfi transferred these loans to a provider called XXXX. XXXX never had information about the savings account as it still shows locked with Seedfi. I paid off my loan on XX/XX/XXXX of this year and that starts the process of getting the money that is rightfully mine that I had to pay interest on for almost 2 years. I called today 10 days after payment and was told that when customers pay off the loan they are put on a waiting list to receive their funds. This process takes 22 days is what I was advised. Besides the fact that the company charged interest on money never received during the loan process and now holding the money after loan is paid off with no interest paid to me the customer who has had a savings account that actually lost money. I want them to acknowledge that this practice of holding on to the customers account for said amount of time is wrong when they fully know that payment was made, always on time and the final payment cleared.
Product: Mortgage

Started a refi with bank of America in XXXX 2015 today is XXXX XXXX 2015 .I fill i have been discrimanated agaist starting with the loan officer to the underwriter. Bank of America XXXX XXXX like laws have made this very frustrating.After a heated conversation with the loan almost immediately he change all my info .I havent spoken to him since XXXX, someother person has been assiting me.Never have i had such awful service .All info submitted and still no CLOSE/
Product: Checking or savings account

opened account with pen fed credit union cuna ins attempting to take money repeatly opened account with XXXX dollars just want to close account and my XXXX dollars they say they need to send security code to XXXX mail when i opened account it no longer exists please help do not want anything to do with pen fed
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY XXXX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I reviewed a copy of my credit report and ( Comenity Bank/XXXX  ) Ran an unauthorized credit inquiry on me on ( XX/XX/2020 ). 
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact ( Comenity Bank/XXXX  ) and investigate such occurrence. 
I am requesting and updated copy of my credit report, which should be sent to the address. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies as well as the bureau. These inquiries were not authorized by me. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting a fraudulent account that was a result of identity theft. This fraudulent account is continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Product: Debt collection

CREDITACPT XXXXXXXX XXXX Open XX/XX/XXXX Close date XX/XX/XXXX Amount {$18000.00} this account was included under XXXX  Still in my credit report. I reported to all credit agencies but still on.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in continuous error and hence violation of the FRANK DODD ACT, along with several FCRA, FDCPA and other consumer protection laws.
Product: Debt collection

To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that my debt was purchased by another lender that I did not enter into any agreement with. I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 

Thank you. 

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

To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 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 may be inaccurate.

I have attached letter of results from Equifax and from clerk us bankruptcy court
Product: Credit reporting or other personal consumer reports

1. Accounts in Dispute : Account 1 : XXXX XXXX XXXX / XXXX XXXX XXXX account # XXXX  Account 2 : XXXX XXXX XXXX XXXX account # XXXX  I have reviewed my credit report and identified several errors related to the above accounts. Specifically : Account 1 : [ balance reporting is inaccurate past due date also. ] Account 2 : [ balance reporting is inaccurate past due date also each credit reporting agency has these accounts reporting different an incomplete information ] 3. Legal References : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681i ( 5 ) ( B ) : This section mandates that if an item of information is disputed, the credit reporting agency must provide the consumer with written notice of the dispute and must also ensure the information is not reported without proper investigation.

15 USC 1681c-2 : This provision stipulates that any information that is not substantiated or verified should be removed from the credit report. It also outlines the requirements for reporting accurate and complete information.

BELOW IS FTC REPORT IF YOU DONT WANT TO BE HELD ACCOUNTABLE FOR EACH VIOLATION THATS XXXX per violation delete accounts
Product: Credit reporting or other personal consumer reports

I filed a dispute with account number XXXX with XXXX XXXX XXXX via FCRA usage on XX/XX/XXXX. While it was removed from my Transunion report on XX/XX/XXXX, XXXX denied to follow up with the investigation and did not remove it and stated it was valid. XXXX has not attempted to correct this or investigate it. This item had previously been removed when alleged over a year ago by a prior company. I am requesting the mark be removed immediately. I was notified that the CFPB has filed a lawsuit against XXXX for violation such as mine please correct the derogatory mark asap.
Product: Checking or savings account

My uncles father gave me a check of XXXX and wrote my XXXX nickname on the check which is XXXX and that name stands for XXXX which is XXXX in XXXX they froze my check it already came out of his account and they are holding the money saying I need a birth certificate that thats my name the issue is its just a nickname. They dont want to give the money back to him either or give me the money. They refuse to listen to anything and they closed my account.
Product: Money transfer, virtual currency, or money service

I am writing to express concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite numerous users reporting discrepancies, both financial institutions and Zelle have failed to adequately investigate these claims. In many cases, customers have been informed that recovering lost funds is impossible and that tracking transactions is unfeasible. The CFPBs findings suggest that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency is re reporting a debt from XX/XX/2001 as a new debt. This debt was on my credit report for 7 years which is the statue from the credit reporting act. once that expired the company report as a new debt. I have disputed this debt with XXXX, XXXX, and XXXX. The response is inaccurate and a violation of the credit reporting act.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXX, Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX ( {$270.00} ) ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) ( XX/XX/XXXX ) - XXXX
Product: Checking or savings account

I saw a bunch of fraudulent activities occurred on my checking account. There was a deposit and withdrawal for {$600.00} at an ATM in XXXX XXXX XXXX. There was a withdrawal for {$580.00} listed as " ATM PAYMENT TO XXXX XXXX AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX ''. I live about XXXX hours from that location and had my card the whole time. So I called Wells Fargo and they initially credited me the fund. However, after 2 months, Wells fargo claimed back the fund stating that because this was done on an ATM through XXXX and i said i had my card with me, they deemed it was my action. I requested that they checked their ATM cctv for potential evidence but they rejected me. I went in branch and asked the banker and they submitted a request to the XXXX department. They told me they will further investigate and contact in a few days. Weeks went by and still no contact. I called the number XXXX and they originally said XXXX is working on it. Then after another week, i called back and they said XXXX is now handling the case. Then i called back and said XXXX is working on it but out of office. Now I'm given an estimate of XX/XX/XXXX to get the decision. Why must I wait that long to get my money back from a fraudulent activity?
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file. I believe in the importance of maintaining accurate and reliable credit information, and I am troubled by the difficulties I have encountered in rectifying the inaccuracies in my credit report. 

I submitted formal disputes through your online portal, providing detailed information about the fraudulent items on my credit report. Despite these submissions, I have yet to see any positive outcomes or corrections made to my credit file. 

The fraudulent items in question have had a detrimental impact on my creditworthiness and financial standing. I have experienced challenges in obtaining credit, securing favorable interest rates, and even in pursuing certain employment opportunities due to the inaccuracies present in my credit report. 

I have contacted your customer service department on multiple occasions, and each time I have been assured that the matter would be thoroughly investigated and resolved promptly. Unfortunately, these assurances have not translated into tangible results, and the fraudulent items persist on my credit report. 

I understand the importance of maintaining the integrity of credit reporting systems, and I am confident that your institution shares this commitment. It is disheartening to experience such difficulty in resolving what should be a straightforward case of identity theft and fraud. 

In light of the above, I request an immediate and comprehensive review of my case. I expect a thorough investigation into the fraudulent items on my credit report and prompt action to remove them. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore all available legal avenues to ensure the correction of my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently disputed with all 3 bureaus a bankruptcy that they are reporting on my credit report that should not be on there. All 3 bureaus have ignored my letters and have ignored any other questionnable accounts I've addressed as well after learning about the FCRA. 

XX/XX/XXXXBankruptcy REF : XXXX is showing on all of my reports and I have a letter from that court attached stating that they DO NOT REPORT that kind of information to credit bureaus. 

XXXX Account XXXX XXXX This violates 15 USC 1681 602A ( My right to privacy ) 15 USC 1681 604A Section 2 ( This furnisher was not given writted instructions or permission )
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed things are incomplete and not accurate. according to the Fair Credit Report Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete or accurate
Product: Credit card

On XX/XX/2023, I was attempting to make a payment online to my aspire account. I noticed that my available balance was not reflecting the correct amount but I proceeded to make a payment. Upon paying down my balance I thought that I had accidentally made XXXX payments which prompted me to call into the customer service line. During that phone call with a representative named XXXX I learned that my account was actually in collections with no notice given to me. Upon further review, I learned that my credit limit had been lowered, I learned that my account was no longer active and I also learned that while my account is not active and in collections I was charged a {$25.00} authorized users fee when Im not even authorized to use the card per XXXX. I was confused about this so I asked to speak with a manager by the name of XXXX. Upon talk to XXXX I learned that my account was actually locked due to fraud activity and that if I made a payment that customer service could unlock my account. XXXX couldnt explain ther service fee, he could tell me why I got a Thank You For Your Payment prompt online though he wasnt seeing the XXXX payments of {$280.00} that I thought I paid and that if I called back tomorrow customer service could reactivate my account. Ive had friends tell me that they have had some fraudulent charges placed on their accounts that they had to dispute and have removed and so I would like my concerns to be investigated further because Im uncomfortable with the additional fees if my account is in collections and not active, the fact that Im not receiving any notice of whats happening with my account or the credit limit decreases, no one was able to further explain the status of my account even though XXXX is a manager and the fact that my account was supposedly closed for fraud months ago before the account was sent to collections and I was charged a {$25.00} fee for a card I can not use currently.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/22 sold me a lemon. When they approved me. They only told me they were going through the bank XXXX XXXX. But they shopped around banks to get them selves the best finance rate where I would be paying XXXX a month. I returned the vehicle the next day and received XXXX percent of my down payment back. XXXX XXXX XXXX, Exeter bank, And numerous other banks got my information. My social security and Id have been recently compromised. So Im just trying to stay on top of my credit
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Info XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX {$410.00} XXXXXXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$410.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$1000.00} ) .. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.