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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Employer : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We purchased a vehicle in   XXXX   XXXX  . The dealer put us with  Capital One Auto  loans. Being that I all ready had credit cards with  Capital One I tried to set up   and on line account and was not able too. I made my payments on this account over the telephone. In   XXXX   XXXX   I made a payment on a weekend within the 30 day grace period. The system did n't recognize the payment until Monday which was   XXXX   XXXX  .  Capital One preceded to give me a 30 day late. At the time there was no warning about payments not being recognized until the following business day. When I called them, they could not find me in the system. Turns out they had my date of birth incorrect and that is why I cou ld never pay on line.   Even though they had incorrect information on me which was no fault of my own and there was no warning about payments going over to the next business day,  Capital One  would not remove the 30 days late on my report. This reporting at the time caused a nearly  XXXX  point drop in my credit scores and affected my well being both mentally and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} DEPT OF EDUCATION/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX  XXXX {$710.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX, XXXX  XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX BY PHONE DBA CHECK INTO C XXXX {$490.00}
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 highlighting significant issue 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 unfeasinle. The CFPBs finding indicates 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 consumers safely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with XXXX of my mortgage, that it is now listed as XXXX negative entries instead of XXXX. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not XXXX negative entries.
Product: Debt collection

I continue to receive phone calls from a debt collector regarding a loan that I have never taken out with this company. I have asked this company to provide documentation or a contract related to this loan and they have yet to provide the requested information.
Product: Debt collection

I recently review my credit reports & noticed some medical collection that I do not recognize. Ive never received any notice of any past due bills from the hospital, I also did not receive anything from any collection company. I have sent several debt validation letters to Credit Control Corp with no response.
Product: Debt collection

I called and negotiated over several months to pay the Balance in full. The original loan amount was with Reliable Credit Association in the amount of {$2000.00}. I was incarcerated and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. 

The letter said : For : Reliable Credit Association Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. 

This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.
Product: Credit reporting or other personal consumer reports

i am now requesting proof of the previous investigation, I'm asking that you send your method of investigation along with all records of who you spoke with their business address name and phone number as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update this account to paid/never late and send me a copy of my updated credit report. 

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

This will be my second attempt to file a complaint as my first on miraculously disappeared even in taking a screenshot of the ID number XXXX Sent request for dispute and all information pertaining to accounts in dispute on XX/XX/2022 and all delivered by XX/XX/2022. 

XXXX failed to honor my dispute and pretty much sent me a letter stating, doesn't look like you sent this but thanks for trying. I sent the required information as well as paying to have it sent certified mail, only to be ignored while the other XXXX accepted the matter ( s ). I didn't realize that strangers had copies of my drivers license and an insurance bill to send off to get someone else 's credit report fixed. To add insult to injury, they didnt even provide a way to get in contact with them to even reply. No phone, no email, no contact name at all. Only a file number with no directions as to what information was needed to proceed. 

Equifax provided no information to advise that this debt was mine. I asked for all information be sent to me and nothing but a verified letter with the exact same information copied and pasted from my report ; therefore, I must not have any type of contract with them stating that I owe this debt. How was this investigated with no additional information provided?? 

XXXX was the only XXXX to investigate and delete both accounts. So how is it that XXXX was not able to verify the accounts to be correct, yet Equifax did??? IF ALL bureaus are to report ACCURATE information, something is wrong and it all seems very suspicious. 
15 USC 1681 Section 602 A ( 4 ) states that I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions which I did not give. 15 USC 1681 1681 section 2 a ( i ) 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. 

Account Name : XXXX ( Next Level ) {$210.00} Account Number : XXXX Please remove from my credit report Account Name : XXXX ( XXXX ) {$220.00} Account XXXX Please remove from my credit report
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, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information consists of the following accounts : XXXX Bank Account # : XXXX Balance : {$1700.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$1000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX XXXX Balance : {$800.00} Opened : XX/XX/XXXX Additionally, the following XXXX accounts are also fraudulent : Account # : XXXX - Balance : {$5500.00} Account # : XXXX - Balance : {$2300.00} Account # : XXXX - Balance : {$1100.00} Account # : XXXX Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$870.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$2600.00} Account # : XXXX - Balance : {$5000.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$1300.00} Account # : XXXX - Balance : {$3800.00} Account # : XXXX - Balance : {$1500.00} Account # : XXXX Balance : {$2000.00} I do not recognize these accounts as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. I have also attached a copy of an Official Police Report and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Product: Checking or savings account

They always said I had a certain amount then pulled it then made me negative and refused to fix their issue so I was out more money to cover fees
Product: Money transfer, virtual currency, or money service

My Paypal account was restricted for no good reason with funds in it and Paypal won't even let me log back in. I called Paypal on XX/XX/2018 to see if I could at least withdraw my funds to my bank account but paypal unlawfully decline for me to manually withdraw my funds I left already my bank account information into my paypal account but paypal blocked my login access to my paypal account ( see picture attached ) and blocked my bill of rights of withdrawing my funds to my bank account after I waited patiencely 180 days paypal hold policy ( see screenshot attached ) or read these paypal message here : " Hello XXXX XXXX, Your PayPal funds are now eligible for withdrawal. 
You may transfer the funds directly to your bank account via online bank transfer '' ( End of quotation ) PS : I want to login back to my paypal account to do by myself my withdrawing by LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has opened a fraudulent account issued in my name and there's is a balance of {$1800.00}. 
Experian reported this charge originally, which I did not recognize that is past due with a company I have never heard of XXXX. I immediately disputed the charch XX/XX/XXXX with Experian. 
I also sent the below email to XXXX XX/XX/XXXX and have attempted to call them to directly dispute without response. 
" I would like someone to contact me as soon as possible regarding a delinquent account that was opened on my name fraudulently and is erroneously now appearing on my Experian credit report. I do not have business with you and expect this to be rectified with immediate effect. '' This is not my account. It is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Name : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their failure to address and investigate inaccuracies in reporting on my Equifax credit report. On XX/XX/XXXX, I sent a dispute letter to XXXX XXXX, requesting an investigation into the inaccurate reporting of an account that appears on my Equifax credit report. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. From the payment history all payments made from XX/XX/XXXX to XX/XX/XXXX were consistently on time. Despite this, XXXX XXXX has continuously reporting this account negatively on my Equifax credit report. 

In my dispute letter, I explicitly requested XXXX XXXX to provide specific details pertaining to the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, to date, I have not received any response from XXXX XXXX. 

XXXX XXXX 's refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

I have made diligent efforts to resolve this matter directly with XXXX XXXX, but their lack of response and failure to address the inaccuracies have left me with no choice but to escalate this issue to the CFPB for further investigation and resolution. I respectfully request that the CFPB intervene in this matter, conduct a thorough investigation into XXXX XXXX XXXX handling of my dispute, and take appropriate action to ensure compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I have submitted disputes to you and I didn't get a response within XXXX  days and you are required by law to do so. Please investigate my disputes and provide me who verified the information that you are reporting. Thank you. ''
Product: Checking or savings account

Urgent Complaint Regarding Fraudulent Navy Federal BANK Account : Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a persistent issue regarding a fraudulent Navy Federal account. Despite numerous attempts to rectify the situation, the account remains active, causing significant distress and financial harm. I have reported this Navy Federal Bank account multiple times as fraudulent, yet to no avail. Explaining that my identity was stolen without my knowledge, the perpetrator even files taxes for XXXX and XXXX under my name. I had to go to IRS to verify my identity for this as well. Regrettably, the account continues to linger on my credit profile, adversely affecting my financial standing. During their investigation, Navy Federal Bank provided erroneous information, claiming that the aforementioned account is mine without sending documentation of findings of verification. This misinformation not only exacerbates the situation but also serves to highlight the severity of identity fraud associated with this account. I urge you to intervene promptly and take necessary actions to address this matter. It is imperative that the fraudulent Navy Federal Bank account be removed f immediately, and appropriate measures be taken to rectify the damage caused. Furthermore, I request a thorough investigation into Navy Federal practices regarding identity verification and account handling to prevent similar incidents from occurring in the future. I appreciate your attention to this matter and look forward to a swift resolution. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, Puerto RIco. I am the owner of a white XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX . The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over Puerto Rico, XXXX XXXX XXXX was one of the companies in Puerto Rico that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( XXXX XXXX, XXXX  and XXXX  ). 

Today, Monday, XX/XX/XXXX, I received a message from XXXX XXXX indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. 

Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : 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: Mortgage

on XX/XX/XXXX, I started a process to refinance my home with Citibank, but they took about six moths, just to let us know that we were pre-approved. when in XXXX of XXXX, I asked to have an answer about our case, I was told that they were going to need more information from us and that they will decide. on XXXX, finally was everything ready to sign, but the notary public person said that she was not going to come because we did not speak English and that she was not going to risk ( lose ) her license because we could not communicate in English, even though I explain to her that we do speak English, she refused to come, so I called the bank very upset and they just said that she was in her right to do that, but they said that if we requested someone in XXXX they will send another one ( like ... If we requested it? I just said that no-one requested anything and that we DO speak English ). Anyway, the last drop that spilled the glass was that ; the bank included a " clause '' in the contract that if we do not accept a new checking account that they opened ( without our consent ) for us in order for them to retrieve the monthly payment form it. Of course I refused, and the notary said that if do not accept that the will cancel everything.
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. 

Account name : XXXX  XXXX - # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX  XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX has violated my rights accordingly : 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 that no consumer reporting agency may make any consumer report containing the following items. 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.