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

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Sir/Madam, I am writing to formally dispute the following unauthorized hard inquiries listed on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XX/XX/XXXX I did not authorize these inquiries and request that they be removed from my credit report immediately. Enclosed, please find copies of my credit report with the unauthorized inquiries highlighted for your reference. 

In accordance with the Fair Credit Reporting Act, I request that you investigate these unauthorized inquiries and provide written confirmation that they have been removed from my credit report. Should you need any additional information or documentation to proceed with this request, please contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. 

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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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/year>
Product: Credit reporting or other personal consumer reports

I have paid my credit card bill of amount of XXXX $ to XXXX XXXX before i closed my account they are reporting my credit agency to transunion as not paid which is not right i have proof of payments made still my credit report transunion is showing unpaid i want to get it removed so my credit score gets fixed thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Vehicle loan or lease

Westlake Financial took duplicate loan payments from my bank account, when I the discocered the overpayment, i contacted them, they agreed to return payment in 10 to 14 days. I asked to speak to a supervisor and the CSR hung up. I called back and asked for a supervisor. The supervisor said the unauthorized excess payment they took would be in my bank account in 24 to 48 hours. Today, they wrote an email saying were going to send me a " virtual credit card " soon. '' I wrote back I want cash just the same as they took from my account.

1st complaint is an unauthorized payment taken out of my account and 2nd complaint is their refusal to remit back funds as they removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection with XXXX that i paid and the company told me that they would remove the collection from my credit report with the credit bureaus after i paid it since it never should have been a collection in the first place. I have tried disputing it with the credit bureaus but have not been able to get it removed. Please help as it is affecting my ability to get a home loan.
Product: Credit reporting or other personal consumer reports

XXXX has open fraudulent account on my credit profile I was trying to close it, they kept it open for 2 years, and didnt close it every time i asked them to do it, they only forced closed this account after multiple delinquencies.they never closed the account when i asked them too, they didnt give me any additional information about anything I reached out to Experian, they didnt do anything to help, they also didnt update my account for entire month by the way. ( 45 days and my score didnt change ) so now I also think experian is being Negligent to my credit profile as well, I filed a fraud case with them and in one day, no changes.like they didnt even look into my case, If your ready this, fix your mistakes before I get into legal action, im also contacting the FTC after sending these details.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these accounts from my credit report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem on multiple occasions. It seems nearly impossible to get any assistance from Equifax on the matter considering I can not get a real person on the phone. I have called the other agencies but they still havent taken everything off, I have filed a complaint about fraudulent information be reported on my consumer credit report and it seems that some of it is still on my report.I would like the following items removed from my consumer credit report... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 hard inquiries that was supposed to be erased as well... 

XXXX XXXX XXXX Also, I have never given any permission to report late payments for this account and this account has been charged off as of XXXX of XXXX. 

This is a violation according to 18 USC 1681a section 2
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX. on my XXXX credit file that is in collection for {$820.00}. This is a problem account because I do not recognize this creditor as someone I took credit from. The other problem is that when I try to dispute this account with XXXX, there system tries to tell that the account is called XXXX XXXX XXXX. XXXX remove the XXXX XXXX from my credit profile.
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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety I personally think is wrong and have experienced inconveniences with Zelle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage company is literally holding my credit hostage. They reported a 30 day late payment to my credit report while Im in the process of trying to get a loan with another lender ( maybe intentionally to keep this from happening ). My payment was NOT 30 days late however. We made payments on XX/XX/XXXX and again on XX/XX/XXXX. This time period is not over 30 days due to XXXX XXXX in XXXX. I wrote a formal letter to their research department stating this, and after 30 days exactly they responded that they could not remove this from my report. Furthermore, they are now suppressing the credit reporting of my on time payments for 60 days due to the dispute being filed! This is also hurting me because I am in the middle of trying to get a loan with another company, and to do so I need to improve my credit scores. This is next to impossible when my credit reporting is being suppressed by Carrington Mortgage for my on time payments. Lastly, I have called them to request a letter be sent to the company I am working with to improve my credit scores to let them know that I have made on time payments, and they refuse to do that as well! I called XXXX XXXX to do the same thing, and they literally had me a letter within the hour. They told me at Carrington that I had to go back through the research department to request this letter, and that is the only way that I could get them to send it. I find this to be very archaic, and not up to date to the digital age of sending and receiving faxes, emails, etc. This process as well could take up to 30 days. I find this ridiculous.
Product: Credit reporting

Equifax required that I purchase their service package of {$17.00} a month before they would help me with any request I had. They charged me for obtaining info about my own account!
Product: Vehicle loan or lease

In early and mid XX/XX/XXXX, I called in to Chase Auto Finance and Chase Executive Offices to discuss getting a two-month deferment ( to the end of XX/XX/XXXX ) because of the Covid/financial situation. 

Due to the continuing Covid-19 pandemic, my work has not yet picked back up ( as of mid XX/XX/XXXX ), and with government-forced shut-downs in XXXX California ( where I live ), the speed at which my work will return has been slowed further. 

When I spoke with a representative at Chase Auto Finance, I was told that a two-month deferment was not an option at the time. 

I also left a few messages with a rep at Chase Executive Offices. He did return one of my calls ( he left a message ), and asked that I leave him a message with the details about my situation. I did leave the rep a message, but three days later, have not heard from him about the matter. ( I understand everyone is very busy right now, but at the same time, I very much need to get this settled asap. )
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a is a section of the U.S. Code that makes it illegal to report late payments to a consumer 's credit report. The code also defines a " consumer report '' as any written, oral, or other communication that contains information about a consumer 's creditworthiness, credit standing, or other personal characteristics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX  that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX XXXX and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Product: Credit reporting or other personal consumer reports

I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have had a severe impact on my life, generating substantial stress and worry. I must emphasize that I never authorized this information to be linked to my identity, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX : and XXXX XXXX XXXX  Account has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

This is my 8th attempt to inform you that I am a victim of identity theft and that I wish to contest some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Its been more than 48 hours and I need my direct deposit to pay my bills. I get paid every Thursday but I still haven't received my direct deposit. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about the consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are being upheld and protected. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please pull the phone records for a conversation that took place approximately XX/XX/XXXX 2015 between myself and a Fedloan customer service agent. I had received a statement saying I owed a very high payment. My understanding was you do n't have to pay until 6 months after graduation. So I called in because I had graduated only 3 months prior. The representative told me that I was correct and that Fedloan starts sending statements nearly right away and I could ignore them until my 6 months grace period was up. After following the directions given to me by the Fedloan customer service agent on approximately XX/XX/XXXX 2015 I waited another 3 months in " grace period '' and it goes by and all of the sudden XXXX XXXX  notifies me that approximately 45 late payments were posted to my credit report. 1 for every sub-loan account on record with Fedloan, and for every month, for 3 months in a row totaling to approximately 45 late payments. Even if it was true and I was late I would 've been late paying one payment per month not one separately for every single sub-loan account with Fedloan! 45 late payments is malicious and has indescribably made my life a living hell. I 've been rejected to buy a house, I ca n't get a decent rate on my car loan, and basically my credit score has been brought down to the XXXX XXXX solely due to Fedloan 's customer service giving me misinformation and their false reporting of every single sub account as separate payments when in reality you only make 1 payment not 15 separate payments to separate sub-accounts! I have submitted disputes directly with Fedloan 3 times detailing my story and never once have I been able to state my case to a human. I send it in and the system rejects it and then I have appealed it every time as well and the appeals have been rejected too. I have called in and talked to customer service representatives who have confirmed that this has been a problem with many others and they told me to keep submitting more disputes ; which I have to no avail. I have also hired XXXX XXXX which I have been paying {$100.00} a month for, for over 2 years and they have filed many, many disputes with all 3 reporting agencies against these Fedloan false reporting s. All of this time, money, and energy has been to no avail. This is ruining my life. I graduated and I got a good career and I have had my Fedloan student loans set to Autopay ( never missed or late ever ) and yet I am be rejected for a home mortgage and can not move forward in life. Please help me consumer financial protection bureau! Please do n't let them just ruin my life!
Product: Money transfer, virtual currency, or money service

Hi, I booked a XXXX stay on XX/XX/year> for a trip to XXXX on XX/XX/year> - XX/XX/year>. I was required to pay a portion of the trip the day I booked it. {$330.00} was charged to my paypal-issued debit card, ending XXXX digits XXXX, that uses money from my paypal balance and was paid to XXXX ; the transaction ID for this is XXXX on paypal. An additional {$59.00} was paid from the same paypal debit card for the insurance policy for the stay. 

On XX/XX/year> I received an email from paypal stating that my account is permanently limited. I was not given a reason, I was not asked to clarify any of the transactions, nothing. Not the end of the world but whatever. 

On XX/XX/year> I received an email from XXXX that the host has cancelled our reservation due to water damage at their apartment. The email states that the refunds have already been issued to the card I used to book the stay in XXXX. Problem is that the paypal debit card is limited, so it can not accept the refund. 

On XXXX I made my first call to paypal asking what happens to the refund. I was told by support that they could see the {$330.00} trying to be sent to my account, but it is unclaimed in their system. I was told worst case after 30 days it would automatically be sent back to the sender. I implored them to reject it sooner so I am not without the money as I try to book new accommodations only a week before the trip. Worth mentioning prices have more than quadrupled for similar accommodations and continue to rise as we get closer. 

I called daily to XXXX stating that paypal will not claim the refund. XXXX says they can not do anything until paypal rejects it and then they can get it to me via a different card. On the flip side, the insurance company I had to pay the {$59.00} from the same debit card also tried to issue me my refund. Due to it not being accepted by paypal they have since mailed me a check. 

I called paypal again on XXXX and talked to support for awhile. I was confirmed to that my account is permanently limited. He could not pull up anything to help see what the reasons were. After looking he told me that XXXX ) yes the standard policy for unclaimed funds is an automatic reversal to the sender after 30 days BUT XXXX ) because my account has no notes on it that they will not do the reversal for 180 days after the XXXX, the day the limitation went into place. 

So now, I am out my refund of {$330.00} because paypal will not reject the refund attempt to XXXX. 

At this point I do not care about getting my access to my paypal back. I am most worried about getting the money back as soon as possible. Holding funds for 180 days that are a refund should be a crime. And support does nothing but pass the buck and state they can not share specific details due to security.
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 XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.
Product: Checking or savings account

I was scammed using XXXX from a bank I trust. The scammer is not enrolled with XXXX and XXXX even sent me a text message stating my transaction did not go through to try again so like a dummy I did I got the same message. I was told both time and even by my bank the recipient was not enrolled with XXXX so I should get a refund right? Nope USAA contracted the recipient bank who refused to give me a refund. I have sent USAA proof that shows I should get my money back. I have called several times and wrote them giving them documents of proof this was a month ago and still no reply from them. I have enclosed document # 14 clearly shows that the money taken from my checking account and I think given to XXXX went where since it states recipient is not enrolled with XXXX. # 16 states also recipient is not registered with XXXX this is the email she told me to send the money with XXXX her name XXXX XXXX and email XXXX using XXXX XXXX suddenly accounts are not enrolled and unregistered if so where did my money go to? My bank should be listening to me I gave them pages of proof. Please help! By the way I did not receive my tickets and they are still trying to sell them on XXXX sites.
Product: Credit reporting

I do not have ANY LOANS WITH XXXX. 
yet Transunion keeps updating my credit report with the same inaccurate information. XXXX negative accounts I am NOT 120 days late on any loan through XXXX. Contacted them via phone and no record was found. Even through FEDERAL LOAN HISTORY WEBSITE. XXXX there is no current balance due or no past due balance.