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

XXXX XXXX XXXX XXXX XXXX XXXX sold the balance to XXXX XXXX. I PAID the account in FULL to XXXX XXXX XXXX. XXXX XXXX XXXX " removed '' the derogatory information but somehow, XXXX XXXXXXXX XXXX XXXX XXXX XXXX is still reporting " NOT PAID / COLLECTIONS / CHARGED OFF '', as opposed to " PAID IN FULL ''. I've notified XXXX XXXX XXXX  " MULTIPLE '' times only to be told to call XXXX myself. XXXX XXXX XXXX did their job and completed the process. XXXX XXXX is non-responsive. I'll NEVER do business with them again. They are NOT a BEST PRACTICES/ BEST IN CLASS service. 

I would like XXXX XXXX XXXX XXXX XXXX XXXX to UPDATE and REMOVE derogatory information from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having checked the Equifax website to see if my information is at risk, I wrote to have my account frozen. I understand that, typically, this service costs up to {$10.00}, but I read tonight that they are charging {$30.00} for this service. The people who treated my confidential information carelessly are now going to charge me {$30.00} to try to protect it retroactively. NOT TO MENTION that the company waited for weeks to disclose the loss and is not forthcoming about what information was lost. OR the fact that their executives sold their stock before announcing the loss. INBELIEVABLE.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX i intiated a money transfer using my XXXX XXXX checking account going to my venmo account i. The amoint of {$500.00}. It was supposed to go into my venmo account on XX/XX/XXXX got a confirmation from XXXX XXXX stating that the funds already went out on XX/XX/XXXX and showed on my XXXX  account. According to venmo they havent recieved the funds and that XXXX declined the payment. Now it clearly shows on my XXXX bank statement - {$500.00}. I called both merchant and they are both telling me two different stories saying it went thru and the other saying it did not and i cant tell who is telling the truth but theres obviously something going on because these picture tells it all.
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. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number XXXX XXXX Delete this account.
Product: Debt collection

I spoke to someone from this company a few weeks ago. They informed me there is a debt that is past the statute of limitations so they could not report to credit bureaus or file a XXXX, but that they were trying to pursue it. I told them that I do not recognize the debt and that I never received any paperwork regarding the issue. I gave them my address and told them I can not speak to them regarding the matter until I saw the details on paper. I never received anything from them through the mail, but they continually call my cell phone from different numbers.
Product: Money transfer, virtual currency, or money service

In XX/XX/2020, I was scammed on XXXX by a woman named XXXX XXXX, she claimed to help trade with bitcoin and get a large return. I was willing to invest {$500.00} only and let that be known many times. I was told you only pay what you invest, I have all our conversations saved on whats app. After finally setting up initial investment, 7 days went by and I earned a profit of XXXX now when she asks me for money to by the stamp. This made no sense to me so I reached out to another lady on XXXX who claimed to have traded with her in the passed. She told me this was normal. I wire transferred {$1000.00} to an acct in New York. After this I was told now I need to pay the Commission upfront, I explained this was not the arrangement and I cant do it. Told her she was not upfront with me, she then agreed and said she talked to company and they agreed to lessen Commission to {$1000.00}. So I regretfully sent another {$1000.00} same acct. Both XX/XX/2020. Now time to get my profit, was asked what phone I have iphone of well you need an android so go get one and contact me back. I then contacted my bank Wells Fargo to submit fraud claim. I was told I would hear something within 2 weeks. Nothing! I called in XXXX over a XXXX, the lady could find the claim but told me nothing was updated looks like still waiting on community bank in New York. She would refile and get more info and contact me back. I heard nothing, called back end of XXXX and got the same run around. XXXX same finally XXXX get a manager he tells me the reason I hadn't heard anything from XXXX till I called in XXXX cause the claim wasn't started till XXXX, I was fuming mad. Then was transferred again, had to explain same story over and over to different people. My bank wasted months Doing nothing just to finally tell me that the bank in New York says the acct has no funds. My Money was lost nothing they could do. Wells Fargo dropped the ball big time. Each time I called it was like the first time I called giving the fraud company/ people plenty of time to empty acct. please help me. I lost {$2000.00} and {$60.00} in transfer fees. Bank took from XXXX to mid XXXX to do anything.
Product: Checking or savings account

Someone went in to my td bank checking account without my permission and transferred funds into a cash app account several times inexplicably in the amount of over {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX Balance : {$7900.00}
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 TransUnion credit reporting agency , delete, 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. 

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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the accounts as mentioned above, collections, or hard inquiries as reported. The accounts as mentioned above, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All accounts mentioned above, collections, and hard inquiries result from identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. 

Furthermore, whenever I attempt to dispute these items online, the website always denies the attempts. I have called representatives, but they do not help with any matter, information, or how to dispute these items.
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  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXXriginal Creditor XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX  Account # XXXXXXXX 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 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding of Zelles handling of disputes, In 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. I was informed that recovering lost funds was impossible and tracking these transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also have allowed repeat offenders to exploit the system, leaving consumers open to fraud and scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander is reporting a late payment XX/XX/2020. There was not a late payment that month. Please remove from my account or update with late payment.
Product: Consumer Loan

I am the co-borrower ( as XXXX, not XXXX ) on this loan with my now ex-husband. We 've been divorced for 2 years, however on XX/XX/XXXX, One Main Financial allowed him to do an " Adjustment of Terms '' on this loan, extending the term of the loan to XX/XX/XXXX, 5 years longer than the maturity date of the original loan that I agreed to, without my signature or even my consent.
Product: Debt collection

The Situation : As I was checking the credit report assigned to me by the XXXX XXXX XXXX and taking steps to see what I can do to build it, I noticed an account that was not mine. The name of the creditor who says I am in debt to them is XXXX. As spelled on my Experian report. According to the Fair Credit Reporting Act, 15 U.S. Code. 1681 Section 609 ( a ) ( 1 ) ( A ), Experian is required, through the physical verification of the original signed consumer contract, all accounts a creditor posts on a consumer 's credit report. Experian failed to do that. Experian is in violation also of Uniform Commercial Code 15 U.S. Code 1681b which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates, as I did not give them permission to furnish a credit report concerning this account. As mentioned above this account was not furnished by me to begin with. This fraudulent account has caused me time, money, and emotional strain in getting it removed as I have tried methods before reaching out to the CFPB for help and coming across Uniform Commercial Codes that protects me as the consumer. I paid for XXXX XXXX XXXX XXXX XXXX to dispute the account. Once I received correspondence back from XXXX they said they did their due diligence in proving I established this account with my credit. As stated in the law, XXXX was supposed to provide me with the physical original consumer contract, with my signature, and forensic accounting to validate the debt. They failed to do that. I called XXXX once I was educated through the law about credit reporting practices established by the government. Upon calling one of the representatives was unable to even locate the account that the company sent to Experian to furnish on my XXXX XXXX Credit Report. I asked why and she was unable to tell me. I asked for it to be removed and the rep told me it would remain on my credit profile for 7 years. Harming me. I am now here seeking justice for being wrongfully treated by XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered that multiple accounts are being reported with inaccurate late payments on different accounts and dates. As per the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally obligated to report accurate and complete information. These discrepancies are in clear violation of that law. I have always made timely payments and have never missed a payment on my Kansas Department For account : XXXX. 
Additionally, under the Metro 2 format, which establishes the standard for reporting data, this erroneous reporting is inconsistent with the guidelines for accurate credit reporting. I hereby demand that you immediately investigate these discrepancies and provide documentation, such as statements, to substantiate the alleged late payments. If no proof is provided, I am requesting that this account be removed from my credit report entirely, as it does not accurately reflect my payment history. 
Failure to comply with this request within the required time frame will result in my seeking further legal action to enforce my rights under consumer protection laws. I expect swift action to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Product: Mortgage

Since XXXX of 2016 Nationstar Mortgage has posted payments at their will with no particular pattern at times to the regular payment then at times to the principal. This type of posting gives the appearance that I am missing payments. Then they even charge late fees.
This is a never ending dispute with hours on the phone with Nationstar saying they 've corrected the issues and made the appropriate adjustments to the Loan.
They constantly harass me for missed payments which solely lies in their accounting and servicing of my loan.
Product: Debt collection

This is not a duplicate complaint. 
This is in response to complaint # XXXX Re : Account Number XXXX XXXX XXXX XXXX , I hope this complaint finds you well. My name is XXXX XXXX, a federally protected consumer, and I am making this SECOND complaint against Aargon Agency Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. As previously stated by Aargon Agency Inc., this account is NOT owned by them, however they are still reporting it to my consumer report. Reporting this false information is not okay, and is harming my rights to a fair credit profile. As stated in their response " We are a data furnisher and do not require permission from the consumer to report accurate information to the credit bureaus. '' That is entirely false per FCRA section 623, if said " Data Furnisher '' indeed has my permission, then by all means I demand a signed trilateral contract confirming myself, the alleged original creditor, and Aargon Agency Inc agreed upon alleged debt. I appreciate your time and I expect a timely and appropriate solution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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

I am a victim of identity theft. Had a crazy ex that stole my personal information. She took the information and opened XXXX different credit cards. She then set up a XXXX XXXX and had the information sent to the XXXX XXXX so I never saw bills or statements. I was working XXXX during this period and she would go and cook dinner and clean up the house which gave her access to my checkbook where she simply took my checkbook and called and made payments. I stupidly did n't open my statements each month. I instead filed them away unopened until the end of the year and then I would pull them out and organize them for taxes. This is when I found out what she had been doing with the cards and checking account. I immediately called her and then I called the police department and filed charges against her. I also found out that she was MARRIED to someone XXXX. XXXX I contacted him and learned she had done the same to him and the one before him. She fled XXXX when I told her I took out warrants for her arrest XXXX.
Product: Credit card or prepaid card

Aspire sent me a pre-approval promotion. I entered in the promotion code to see my offer, but after seeing the terms, I decided not to accept it. 

Aspire made an unauthorized hard inquiry on my credit report without my consent during the process. It did not make it clear that one would be made upon entering in the promotional code. I sent a letter asking for it to be removed, but they refused. 

I have attached a screenshot of the terms which I did not accept and thus, turned down the offer. Never during the process did Aspire make it clear a hard inquiry was going to be made if I entered in the promotional code.