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

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : 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 XXXXXX/XX/XXXX
Product: Bank account or service

Hi, I want to file a complaint about my checking account at wells Fargo bank. there was a check deposited and withdrawn under my name thru mobile banking without any knowledge. I received a letter that i will be attached here to my complaint that there is a certain person claiming that it is her check i forge it.. i will also attach checks that issued but it is all written by me not like the checked that i am accused of forging. the check was under my name and account but my ID is on top of the check covering the real owner of the check, ,wells Fargo is ignoring my issue and insist that i should repay for it ... that I will not do because it is an admission of guilt..i am currently taking up law enforcement schooling and i do n't want my reputation to be messed up with this anomaly of the bank..I am hoping for your kind consideration to look on this matter.thank you so much
Product: Credit reporting 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 account # XXXX Account name : XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 7:48 98 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 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

I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Good evening my issue with the reporting system is that the information is not accurate with dates balance opening of account and closing of accounts
Product: Debt collection

I have recently made an complaint about the same collection agency and they said they couldnt find an account but when I call not did they only find an account with the same info I gave them the first time they also said a different balance owed from what they are saying I owe the representative also proceeded to hang up the phone on me after stating my facts. ERC at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. I have never in my life done business with them. This company does not have a contract nor signature with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly a collection/chargeoff in the amount of {$230.00} on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I cancelled this account well within the time allotted per the contract but they continued to charge the account. The representative I spoke with at XXXX assured me that this was their error and that they would correct the issue. The representative also assured me the account was in fact closed and in good standing and that this account would not go to collections. There is no outstanding balance due and therefore nothing to collect/chargeoff. I never received any correspondence from XXXX that this account was allegedly in jeopardy. I did not know this account had even gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have called XXXX and I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCT : XXXX Amount : {$570.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

I submitted a validation letter to XXXX XXXX XXXX XXXX, I also sent a dispute challenge letter to both Equifax and XXXX  back in XXXX of 2019. In reference to account XXXX XXXXXXXX XXXX   XXXX  : I recently received an updated letter from both companies Equifax & XXXX  stating that the account has been verified. I have yet to receive a response from XXXX XXXX XXXX XXXX. If the furnisher has not responded to my validation request. How can Equifax and XXXX  verify this account?? This is a violation.
Product: Credit reporting or other personal consumer reports

I am restating my request for the elimination of inaccurate information and inquiries from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), with the specified removal timeframe not exceeding 4 business days. This matter has been previously communicated in my earlier correspondences dated XX/XX/XXXXXX/XX/2024 and is reiterated here, accompanied by my re-attached FTC report # XXXX. I urge you to proceed with the removal of the following items resulting from the alleged identity theft : 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 reporting or other personal consumer reports

The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX  XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXXXXXX XXXX XXXXXXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXXXXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Money transfer, virtual currency, or money service

XXXX writing to express my concerns about Zelle handling of disputes. Particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible. CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders toto exploit the system, leaving consumers vulnerable to scams.
Product: Debt collection

I never received notification from the company prior to them reporting to the credit reporting agencies. I just received notifications that a new collections account was added. My address has not changed so there was no reason why I was not given proper notice and given a chance to proper dispute the debt. I have sent letters to the company twice with no response. The last letter sent on XX/XX/XXXX was for a cease and desist because I would prefer to deal with the original creditor. No response. They company has 2 different address and I sent the same letter to both addresses so that I can make sure they received them.
Product: Checking or savings account

NEW ISSUE : XX/XX/2023 proof US Bancorp DID NOT SENT OVER from my checking account my XX/XX/2023 {$100.00} payment to XXXX XXXXXXXX is FRAUD. 
US Bancorp did NOT send over to XXXX  XXXX my XX/XX/2023 {$100.00} payment and is stealing my {$100.00} payment is CONSUMER FRAUD XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect. 
Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

And also 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
Product: Checking or savings account

Due to change in my finances it has been almost XXXX years since I have incurred an overdraft fees. It has been so long that Chase revised its policy and anything under {$50.00} is not subject to an overdraft fee. Also, they now allow customers to add and transfer money to bring the back to good standing. I was informed by Chase that my account was in the negative and to transfer money to avoid an overdraft fee. I transferred money from my XXXX XXXX account to bring the account back to good standing. Yesterday I was informed once again that my account was at a negative and to deposit money. I had XXXX hours. I have an email dated XX/XX/XXXX at XXXX XXXX stating I still have time to add money to my account, screenshot attached. Over {$800.00} posted at XXXX XXXX on XX/XX/XXXX well within the XXXX hours given. Even though I complied with all of XXXX policies I was still charged {$100.00} in overdraft feeds. XXXX {$34.00} fees. I am requesting the fees be reversed as I did everything necessary to avoid my account going into the negative. Thank you.
Product: Credit reporting or other personal consumer reports

i am victim of XXXX XXXX, i sent information to transunion and they have not responded
Product: Money transfer, virtual currency, or money service

Good day withe references made to complaint # XXXX I was advised by XXXX  for the following response by Wells Fargo : We have been advised by XXXX that in response to their wire traceWells Fargo has indicated that in order to investigate due to case age there is a fee of US {$250.00}. 
I kindly requesting that Wells Fargo be made to investigate and locate the funds in question it has taken almost XXXX years of my life already.

Please see attachments for further details on this transfer.
Product: Credit reporting 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 nameXXXX 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 . 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 604 A 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 crime which antedates the report by more than seven.
Product: Credit reporting or other personal consumer reports

This account was opened back in XXXX. I had some issues with my account with charges that was not mine. On XXXX of XXXX XXXX written off account. A charge off was done in amount of XXXX. XXXX sent me my XXXX to claim on my taxes XXXX. I disputed it because they keep reporting in on my credit report. I called XXXX they said there is still a balance. Once written off there is no way it can still have a balance. After my dispute. XXXX did another charge off for the same amount XXXX. I have sent XXXX as my proof of this company charge off. The credit bureau does not want to remove off my account. This in not correct information that is being reporting.
Product: Debt collection

I recently received my credit report and found a collection account from IC System that does not belong to me. The original creator or is XXXX XXXX. Ive never done business with XXXX XXXX before and Ive never had any type of account with them. This may be a result of ongoing identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( No Account Number Displayed on Report ) violated my rights 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. Equifax sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

EQUIFAX REPORT XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX-inquiry date XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX-inquiry date XXXX XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX -inquiry date XXXX XXXX XXXX XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX -inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX -inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXXXXXX XXXX  -inquiry date XX/XX/XXXX XXXX XXXX XXXX  -inquiry date XX/XX/XXXX XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXXXXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX -inquiry date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXXinquiry date XX/XX/XXXX XXXXXXXX XXXX  -inquiry date
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking you kindly to delete this account since this is not mine. I am quite confused and irate as they are showing this on my credit report. I am mad that they are doing this to me!