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

XXXX is colluding with the CEOs of certain CRAs, and has refused to provide all three CRAs with accurate and correct credit information, using the word, paid in full, yet is refusing to report {$0.00} balance to XXXX, XXXX, and TransUnion in the proper numerical format that each CRA requires to ensure that my loan payment will not positively increase my credit score. 

I have attached an image that none of my credit scores have changed after the {$130.00} payment in XXXX of XXXX, as of today, XX/XX/XXXX, because XXXX continues to state that customer can not be located, and committed postal fraud, by claiming that mail sent to me was sent back ; although, I am in possession of all communication from XXXX sent via the US Postal Service. in addition to the fact that I am signed up for electronic communication. I will be contacting the US Postal Inspector. 

XXXX also committed fraud by falsely reporting to the CRAs that they can not locate me, they have also refused to report loan balance went from {$130000.00} to {$0.00} balance, paid never late, and can locate consumer. They are reporting loan paid in full, instead of As a result, my score did not increase although, {$130.00} worth of debt has been paid, and resulted in zero balance. The manipulation of this information has resulted in my credit score remaining the same with all three credit bureaus, and is affecting my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.
Product: Credit card

This past summer, I went to XXXX on vacation. Our flight was supposed to leave on XX/XX/XXXX, but the flight got cancelled by the airline due to mechanical problems. The airline automatically rebooked us on another flight to XXXX the following day ( XX/XX/XXXX ). I already had made hotel reservations along with a car rental reservation and after I found out that we wouldn't be arriving in XXXX until the next day, I got to work shifting all of the reservations forward by XXXX day ( example, if original reservation was for XXXX, I had to shift it forward a day to the XXXX... etc ). I reserved several of the hotels through XXXX, and when I called XXXX on the phone to explain the situation, it was determined that the easiest way would have been to just book new reservations with the correct dates and have the original ones cancelled. For this reservation in particular, it was a hotel in XXXX. The original reservation was from XX/XX/2023 to XX/XX/2023 for {$390.00} and I made a new reservation with the correct dates which was from XX/XX/2023 to XX/XX/2023 for {$430.00} with the understanding that the {$390.00} would be refunded ( based on the conversation I had with XXXX over the phone. I've also attached email communications with XXXX where I sent proof of flight cancellation. I later found out a week or so later that XXXX refuses to refund the {$390.00}. I filed a dispute with my credit card ( XXXX  XXXX XXXX ) which was through Bank of America and the past few months have been nothing but stress and anxiety. First it got denied because they didn't have enough documentation when I never got an email asking for me to send specific documents and the communication was terrible. I made numerous phone calls and spent a lot of time being transferred from XXXX department to another. About XXXX weeks ago I sent in additional documents and today I got a letter how the claim was denied. It is ridiculous how I should be expected to pay for a hotel that I did not use and Bank of America cares more about the merchants than they do about their customers. Based on the conversation I had with XXXX on the phone, I had the understanding that if I made a new reservation with the correct dates, which I did and paid {$430.00}, the {$390.00} would be refunded, and it is not fair that through their deceptive business practices, I should be the one that has to suffer. The flight cancellation was made by the airline, NOT me and it was totally out of my control. Also, the way Bank of America handles the dispute process is horrible. Please help me get my money back
Product: Mortgage

XX/XX/XXXX I received an Escrow Analysis from SLS, Mortgage. It showed I had a deficit of {$250.00}. I questioned the deficit because I have always applied overpayment of my monthly mortgage payments to escrow account. I contacted SLS, Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XXXX. Each time no one could explain the deficit. Also, I questioned why my mortgage payments were not consistently the same amount during the year XXXX when I have a static interest rate and loan. Again, no one could answer the question. I requested a Supervisor call back from Escrow. Rec 'd call from Supervisor who could not explain, but says they are in the process of having a department specifically to handle Escrow escalations. I never heard back from SLS. I then emailed them by the email address on their website for contact. I received an email reply, simply saying " my request had been previously addressed ''. To avoid any increase in my Mortgage and non response from SLS, I paid the deficit to avoid an increase in my mortgage payment. I contacted SLS on XXXX to verify payments to Escrow was received and what my house payments would be. Again, they could not confirm and said they would have a Supervisor to call me. This company can not provide me with any accurate information, so I am forced to pay the a mortgage payment that can not be substantiated with evidence.
Product: Vehicle loan or lease

I paid off my vehicle on XX/XX/XXXX. In the past month I have been trying to get the tittle and when I call them. My most recent call was on XX/XX/XXXX. They indicated they sent all the required paperwork to release the electronic tittle with the DMV of virginia on XX/XX/XXXX. VA is responsible for mailing the tittle. I proceed to call the DMV in VA and they indicate that the bank never released the electronic tittle and that they might have done it incorrectly. I need them to resubmit the tittle hold release. They keep offering me a satisfaction of lien letter which is useless for me to get the tittle. They keep sending me in a wild hunt and i just need my tittle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the consumer finance credit laws I have 9 to 20 items on my credit report that the bureau keep recycling and all of these accounts are past the status of limitation but the bureau is reporting thes balances as recent. I am also using a credit repair company to get them off but the bureau keep recycling old accounts as new.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit card or prepaid card

Continually received unauthorized charges to my account and closed it in XX/XX/XXXX. Fraud Investigations confirmed the charges were not mine and reversed 2 out of the 3 charges and missed the third charge. Called numerous times to have the third charge removed. This was finally done but then in XXXX a fourth charge to the same retailer appeared on my account on XX/XX/XXXX, which appeared on my XX/XX/XXXX statement. Called Fraud Investigations on XX/XX/XXXX to have the fraudulent charge reversed, which XXXX confirmed was already done. In fact, the fraudulent charge was never reversed and I have now accrued penalties and interested to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a vehicle from XXXX XXXX XXXX XXXX XXXX. For the entire year of XXXX I payed on the vehicle. I fell behind a couple times, but always came up with the money to catch up. Due to family issues XX/XX/XXXX of XXXX the car was repossessed. For the first 4 months the company reported to the credit bureaus that I was missing payments. I had to dispute this with the credit agencies for them to report accurately to no avail. Finally the account was closed with XXXX XXXX XXXX reporting a {$10000.00} balance was false. After asking them if the car was in auction or sold I was met with false information. Turns out the car was sold months before. XXXX XXXX XXXX finally reported that I owed XXXX this is after I'd seek legal assistance. This does not reflect any of my payments or the sale of the vehicle. XXXX of the finance staff told me that they'll make sure I cant get another vehicle with false reporting. This company is awful and poor and illegal loan practices. I'm seeking proof of the vehicle sale and date and for them to report accurately of the true balance of the vehicle. I've emailed them several times and no one has gotten back to me. This is hurting my score and making it impossible to get another vehicle. please help
Product: Checking or savings account

On the evening of XX/XX/XXXX, I received multiple XXXX # calls that I declined. I was left a voicemail stating that it was Chase Business Fraud dept. while listening to voicemail, the number called again so I switched over. The person said he was a Chase representative, and did I authorize a XXXX transfer to a XXXX XXXX, I stated that I did not. He then stated that we need to do a XXXX reversal. He said he needed to verify my identity, at which time, I told him that I needed to verify his identity first since he called me. He said he understoon, and that I could look at the back of my Chase Business Debit card, and the number on the back would match the number he was calling from. I verified that was accurate. He then gave me my husband 's last 4 numbers of his telephone but he wanted to verify his last 4 of SS #. I gave him the wrong number, he stated that did not match what he had... I told him I was still nervous so I gave him wrong one on purpose. He then was able to give me my husband 's information. He then said he needed me to login to my mobile banking, then go to XXXX. He told me to put MY information in there... telephone number, name, and that it was a reversal. I could only do it in {$5000.00} increments daily but the total of the withdrawal was {$25000.00}. The person proceeded to call me the next day to do the next reversal... I informed him that my Chase acct was locked. He then said he needed to get with his back office to unlock that, and put me on hold. When he came back to the phone, he asked me to try it, and it was unlocked. I realized it was fraud on Sun XX/XX/XXXX. I was at the local Chase branch, as soon as they opened on XX/XX/XXXX. The local branch called their claims/fraud dept. to start a claim. The local branch representative felt confident that I would get my money back but when the fraud dept came back on the phone, they told her that they will not cover a scam and didn't consider it fraud. I have since learned of this happening on numerous occasions, and one particular case Chase did end up refunding the money to the customer.
Product: Debt collection

The vehicle was totaled by XXXX XXXX XXXX due to flood damages. My credit report, after disputes with the credit bureaus is showing the total purchase price of the vehicle. 

Credit report does not reflect the correct balance. I have not received any correspondence reflecting the balance on the the vehicle. The company is reporttng late payments to the credit bureaus, drastically lowering my credit scores.
Product: Credit card

I opened a tomo credit account and used the money, i finished paying it off and they are still trying to get money out of my bank account had to close my account and i still receive emails every week regarding this, i never received a proof of final payment i have my bank account statement showing every payment made and because they keep charging j believe i overpaid them, i have emailed them with no response theres no number to call.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
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 CFPDB 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 receiving lost funds was impossible and that thinking these transactions were feasible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but has also allowed repeated 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.
Product: Prepaid card

The compagny of card prepaid its vanilla prepaid i have 7 card its hack everything for XXXX $ i receive de letter about de compagny its said i receive my refund back and i go not i waiting right now 140 days The case of this dispute its XXXX I call every 2 or 3 Day and the guy tord me you receive just wait for the card and nothing i write the email and i dont answer to me My name its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


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, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my report
Product: Debt collection

I attempted to purchase an item from XXXX. I received an email that the item had been shipped, but I never received the item. I contacted the company regarding the issue and they told me that they could not assist me due to the item being shipped. I made 2 payments on the item, but never received it. Unfortunately, I am now receiving collection notices regarding the item that was never received. I am not responsible for paying for an item I never took possession of. I have all email correspondence from the company.
Product: Credit reporting or other personal consumer reports

I reviewed my Transunion consumer report on XX/XX/2024 and I noticed that I have two hard inquiries which are unauthorized and I do NOT recognize them. They are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a complaint with the FTC and I want Transunion to delete these two hard inquiries from my profile immediately.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX 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. '' ( WESTLAKE FINANCIAL SVCS ) 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. '' ( WESTLAKE FINANCIAL SVCS ) the financial institution and the Consumer reporting agencies XXXX and XXXX 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, ( WESTLAKE FINANCIAL SVCS ) 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. '' ( WESTLAKE FINANCIAL SVCS ) 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 and XXXX 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 or other personal consumer reports

I am a victim of the XXXX data breach and have Included Proof. Please remove these unauthorized accounts from my credit report Immediately.
Product: Credit reporting or other personal consumer reports

This is my official communication regarding the unauthorized and completely inaccurate entries on my credit report. These items were added without my consent, knowledge, or authorization, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, along with a list of disputed items. I demand the immediate and permanent removal of the following erroneous entries from my report, as they are completely unjustified : 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: Checking or savings account

I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX  reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX  before I was told the balance was paid it`ll be removed
Product: Debt collection

Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not trying to fix anything all they are doing is pushing credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and XXXX disputing items on my report that need to be removed. I asked for them to update my personal information ( name, address, job, and no phone number ). I asked for the original contract ( my wet signature on it ), creditor information ( name, address, and phone of the original owner ), payment history and itemized billing of the account, and proof of ownership ( proof of authorization of ownership ) for other items listed on my report. I asked for a copy of my updated credit report. I have not received any of this information from anyone. I have not even received an update copy of my report. I would like for you to look into what is going on with my credit report. I sent the letters XX/XX/2022 and now, it is XX/XX/2022. I still have not heard anything from the credit bureaus. There is at least one that is reported on my credit report twice. The information is also different on each report. There is one derogatory mark on XXXX, four on XXXX, and eight on XXXX. The companies names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I have never received any bills from these companies nor have I ever heard of any of these companies. XXXX 's Account # XXXX, XXXX, XXXX, and XXXX. There are no account numbers for XXXX or XXXX accounts.