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

I am writing to file a formal complaint regarding the recent removal of a charge-off account from my credit report despite multiple attempts to rectify the issue. The account in question has a XXXX balance and its sudden removal has adversely affected my credit standing. 

Despite the account having a XXXX balance, it was unexpectedly removed from my credit report, causing significant confusion and concern. I have made several attempts to address this matter through various channels, including phone calls, written correspondence, and online dispute forms, but to no avail. 

I have attached copies of the correspondence and documentation related to my attempts to resolve this issue. Additionally, I would like to request a thorough review of the circumstances surrounding the removal of this account and a prompt reinstatement if deemed appropriate. 

Furthermore, I urge your team to provide clear and transparent communication throughout the resolution process and to take necessary steps to prevent similar occurrences in the future. With this, I am asking for your assistance to remove this account in my credit file : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

XX/XX/XXXX, I was contacted via text by Truist bank with a " one-time passcode ''. I do not bank with Truist nor have I ever had an account with them. I have had the same cell phone number since XXXX so this is not an issue of a non-updated phone number. I don't remember how difficult the resolution was but I think after a couple phone calls they stopped. 

On XX/XX/XXXX, less than a year later, I received another text from Truist with another " one-time passcode ''. I replied " STOP '' to end the alerts but got a reply saying my number wasn't verified and to call XXXX. XXXX confirmed that the number was the proper Truist support number, so I have no reason to believe this is spam or phishing. 

I called them on the XXXX after receiving the text, concerned that a bank was voluntarily sending me someone else 's sensitive login information. I got multiple runarounds from different reps, including being disconnected at least once. XXXX of them transferred me to what he described as " the XXXX XXXX department '' which wasn't even connected to Truist. XXXX of them said they can not do anything with just a phone number and that I should just ignore the texts. XXXX of the XXXX asked for my social security number to see if he could find an account. This seems like a serious lack of interest in security.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

i got an email today stating i was approved for a target credit card that i had not applied for. i contacted target credit card dept to report that i had not applied, order was stopped and card account closed and reported as fraud. the information provided was a new york state drivers license was provided with my address and email
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I found a home online through XXXX posted for rent. I submitted a request for more info and was contacted by the alleged owner on XX/XX/XXXX with information about who they are and why they are renting their home as a first time landlord. I filled out an application and was told they had approved me, and they sent even more information about them including family photos and IDs. I thoroughly researched everything they sent me and matched it to property records, reverse image searched the photos, and more. I felt comfortable enough to proceed with leasing the home based on what I found and what I was given. 

After signing an agreement I was asked to send the money for the security deposit through Zelle which is connected to my XXXX bank account. I sent XXXX separate payments totaling {$1600.00} between XX/XX/XXXX - XX/XX/XXXX to this person using Zelle  through XXXX. XXXX weeks later on XX/XX/XXXX, I discovered the person was a scammer who had done this to other people across the U.S., and was impersonating the owner by name. I contacted Zelle immediately after speaking to XXXX and spoke to several reps regarding my situation. All in the same day, twice they referred me back to XXXX, and during the third conversation they finally stated despite any proof, police reports or claims, they are unable to reverse the transactions and would not be able to help recover my funds. They said it's because the transaction is " like cash '' even though it was initiated directly through my bank. This is a regular scammer who has already been known to do this, and will continue to commit these crimes as Zelle has made it clear at this point they will do nothing to prevent it, will continue to allow it to happen and will not help their direct consumers in recovering their lost funds in these unfortunate situations. This has also prevented me from being able to move as planned as the funds I lost were specifically for moving, which is all the more important to do now as I am unsafe with this scammer knowing where I currently live.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit d SF 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I was given my first bill on XX/XX/18. I enrolled in automatic recurring payments on XX/XX/18 so that I wouldn't be late. Then on XX/XX/18 I was considered late for my bill and charged a {$25.00} fee. I contacted and they said you have to be enrolled before the bill is posted for it to count. I was not notified I was late until XX/XX/18 by email.
Product: Credit card or prepaid card

Credit card applied for at Macy 's on XX/XX/2022 in my name, under my social security number but I did not open this line of credit. I contacted Macy 's and they closed the account and started an investigation. On my credit report I also noticed that the address associated with this Macy 's credit card was XXXX XXXX XXXX XXXX XXXX XXXX. I have no associate with that address either. I have flagged this address as fraud through XXXX as well as reported the Macy 's line of credit. I have also have locked my credit reports for further prevention.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to The Fair Credit Reporting Act these listed accounts has violated my rights of privacy and the Consumer Reporting Agencies are complicit. 
account # XXXX rXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX frontline as 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 states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

I am writing to submit a formal complaint against Equifax in relation to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe to be erroneous. As of the current date, I have not received any response or resolution from Equifax. The following are the details of the disputed accounts and the required corrections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late, and I insist that Equifax immediately removes the late payment status associated with this account from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account with XXXX is not mine, and I request Equifax to remove it from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not mine, and I request Equifax to remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I was a XX/XX/XXXXThere are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX - XXXX - XX/XX/XXXX 7. XXXXXX/XX/XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XXXX XXXX, XXXX 12. XXXX, XXXX - XX/XX/XXXX 13. XXXX - XX/XX/XXXX 14. XXXX - XX/XX/XXXX 15. XX/XX/XXXX XXXX - XX/XX/XXXX 16. XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

SoLo Funds inc. SoloFunds.XXXX Solo funds company supposdly is Upadating their new App version since XXXX XXXX but as of now they have not finished their " Update '' Because of that All Users of SoLo Funds Inc including independent Lenders and Borrowers and Lenders are not able to withdraw their funds from the App.

Lenders can not get their money out of the app. I have done lots of test with the platform and I suspect that SoLo funds have done the following : 1 ) Using all the funds that users have put there to invest the money somewhere else. 2 ) SoLo funds is delaying the App " new version '' to gain time and earn interest on the money users have put on their App. 3 ) SoLo funds have created FAKE user ( Borrowers ) to request Loans and then not to pay them back. 4 ) SoLo funds tell it Lenders that borrowers who donnot pay back will be sent to collections but SoLo never send rhem to collection nor give specific details to the Lender. Amount on hold {$600.00}, i have contacted the company chat every 3 days and rheir answer is the same " that a new version of the app is bein updated '' to wait for the app. Also via email and no response.
Product: Mortgage

PREVIOUS OWNER XXXX XXXX THIS IS A FOLLOW UP FOR CASE # XXXX FILED WITH CONSUMER REPORT XX/XX/XXXX ALONG WITH CALIBER HOME LOANS RESPOSE LETTER, CLOSING COMPANY HAD CONTACTED CALIBER SINCE XX/XX/XXXX WITH SLOW TO NO RESPONSE. 
PER CALIBER REQUEST IN WHICH ALREADY BEEN PROVIDED BY CLOSING COMPANY. DOCUMENTS ENCLOSED ARE XXXX XXXX XXXX ACCOUNT # XXXX ( COPIES ENCLOSED ) ONE LOAN UNDER XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, OK.XXXX HAS 7 PROPERTIES INSIDE THIS LOAN, ONLY ONE PROPERTY BEEN RELEASED XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, OK. XXXX THIS LOAN WAS SOLD BY XXXX XXXX XXXX TO CALIBER HOME LOANS XX/XX/XXXX. 
CALIBER LOAN # XXXX WHICH HAS SAME 7 PROPERTIES. 
PLEASE RELEASE REMAINIG 6 ADDRESSES PER COPIES PROVIDED. 
THANK YOU
Product: Debt collection

In XXXX 2017 and paid $XXXX to the collection agency. The collection agency removed their reporting to the credit reporting agencies and now I'm asking if this can be removed as well. I'm in the process of trying to buy a home for my XXXX son.
Product: Debt collection

The collection company opened up an account in my name to damage my credit. The company is acting from its originator XXXX XXXX. The company that opened an account in my name is called portfolio recovery in the amount of {$950.00} opened on XXXX XXXX without my permission. This was done after XXXX XXXX written off the alleged amount that they said that I owed. I had filled a complaint with the CFPB last year about the way they held back my payments to charge me late fees and interest on my credit card. XXXX XXXX   is the originator of the complaint and the alleged debt.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a proper investigation into disputes regarding inaccuracies on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, affirming the accuracy of the disputed account without providing any evidence of a thorough investigation.

This practice constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable and good-faith investigation of disputed information. Furthermore, Equifax 's actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as recently highlighted in the CFPBs administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to take appropriate action to ensure Equifax complies with federal law and provides consumers with verifiable proof of investigation when responding to disputes.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH capital one 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 XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and it
s 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 XXXX days before the payment due date. 


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

I have requested proof that this information was mailed or delivered XXXX 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 XXXX
Product: Credit card or prepaid card

At the end of XXXX last yr a individual got my information by false pretenses. He then used my information to run up my credit card and other things. This carried into XXXX of 2020 and to my Bb & t accounts. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card, and through an intermediaries ( which I opened the account under the presssure of scammers ) in the total amount of XXXX USD utilizing the services of XXXX XXXX XXXX XXXX. I requested to initiate recall/chargeback for my transactions from my bank but unfortunately I did not recieve any satisfying answer from their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a recent debt added from XXXX XXXX XXXX originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with experian. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX XXXX, they are saying I had cable opened XX/XX/2020.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 I disputed an account with Experian because of inaccuracies that I found on the account. Experian came back and stated the account was verified but the error still remains on my credit report. 

If the account information comes from the same source, how is the date opened different on Experian and XXXX? XXXX has deleted the account so im not sure why Experian didn't delete the account as well. 

The date opened on this account is not accurate. I have included a copy of my credit report with the errors circled. The account was not verified correctly by Experian and this is a clear violation of my consumer laws. 

I am writing this complaint hoping that the CFPB can help me get these inaccuracies removed. This dispute process is bringing me so much stress. I need Experian to comply with the law and investigate this dispute properly. It's not fair to me.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, three payments were taken out of my account through XXXX to an account owned by someone named XXXX XXXX. One payment of {$150.00}, one of {$50.00}, and then one of {$50.00}. All three were unauthorized by me. XXXX does not allow me to recover any money. I called Wells Fargo about the missing money and they conducted a fraud investigations and said that it was my fault ( they denied my claim ), so they closed my account and made me a new Wells Fargo bank account. I am still missing the {$250.00} even though I know the name of the person who took the money and Wells Fargo knows their XXXX account and email. The day the money was taken I also made a police report. I no longer have access to the bank account because Wells Fargo closed it, since they said it could be at risk of hacking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act. The list of accounts has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : 1 Source : Experian XXXX : XXXX XXXX XXXX Has violated my rights. 
Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$960.00} Account name : 2 Source : Experian XXXX XXXX XXXX XXXX XXXX Has violated my rights. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX, Balance : {$960.00} Account name : XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX has flagged this account as Collections on XX/XX/XXXX. Source : Experian XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$960.00} Account name : XXXX XXXX XXXX XXXX Has violated my rights. with XXXX, which may negatively impact my credit score based on XXXX data. Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Activity : UNPAID ( D ) Balance : {$630.00} Account name : XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX reported a New Account to my XXXX credit file. Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX Business Type : XXXX  Balance : XXXX These companies have violated my consumer rights, I did not give these companies written consent to share or furnish my information.
Product: Money transfer, virtual currency, or money service

I was sending money to someone on paypal when all of a sudden they put my account on hold for no reason I went back and forth with them for 1week trying to verify my documents and after handing in all the correct documents when I checked my paypal to check if my account was of hold it said my account is now banned for 180days. My account is banned for 180 days with the money I was supposed to send someone a whole week and a half ago they money is still on the account I just want to get it out so I can send the person their money and I do not want to wait 180 days I really need my account back this week if possible I can not wait 180 days at all not even half of that my email to my paypal is XXXX and my name is XXXX XXXX
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. 

U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXXAccount number # XXXX ; U S DEPT OF EDXXXX : Account number # 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. ( a5 ) 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.

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.