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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX  XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the XXXX credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the XXXX credit reports ranging from XXXX to XXXX inconsistency! 

See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2018, I came home from a Spring Break vacation with my kids to find my wife had moved out and filed for divorce. Her lobster lifestyle on our baked beans budget and job layoff had led me to over utilize four of my credit cards ( XXXX XXXX, Bank of America [ BoA ], XXXX, and XXXX ). I contacted each of them to discuss my problems and see if there was anything I could do. XXXX offered a temporary reduced rate and monthly payment. XXXX also offered a temporary reduced monthly payment. XXXX didn't have anything to offer. BoA suggested I open a new account with them to take advantage of available credit and shuffle some high-balance accounts around to promotional balances. Although I was initially skeptical of this approach, I was desperate not to get into an even worse situation and agreed. I was disappointed that the best they could do was a second account with a {$2200.00} limit but went ahead and transferred {$2000.00} to this account. What ensued led to significant impacts to my credit that I believe are still affecting me today. Rather than simply open a new account for me with this new line of credit like the rep had explained, BoA took the {$2200.00} off of the credit limit for my existing account. This basically put my debt to credit ratio for that account at 100 % and led to a domino effect across the other cards as they saw BoA drop my limit. My available credit for the XXXX card dropped from {$25000.00} in XX/XX/2018 down to {$21000.00} in XX/XX/2018, which not only put that account 's debt to credit ratio at almost 100 %, but also cancelled out a balance transfer request that I had just submitted. I spent a considerable amount of time complaining to XXXX and BoA about these issues and trying to describe what happened but they didn't seem to care. I'm wondering if the BoA reps get an incentive for opening new accounts and if that motivated them to push me in that direction. I'm trying to get a home equity loan to address all this horrible credit card debt but can't do so because of these issues with my credit. I've been very disappointed with BoA and regret ever doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously co-leased a XXXX XXXX from Hyundai through Hyundai Finance. In XXXX of XXXX ( at the beginning of the COVID-19 pandemic ) I was attempting to return a leased vehicle on time, but Hyundai made it extremely difficult to return the car. After being turned away at multiple Hyundai dealerships, I finally found one that would allow me to turn in the car. The vehicle was turned in on time and in perfect condition. 

At the time of the turn in, I was told that due to COVID, there would be no exchanging of documents and I wouldn't be provided with any paperwork. I was also told to expect to be contacted later with additional information ... such as the turn in fee. However, I was informed to expect delays with being contacted because of COVID making things more difficult. I was never told how or when I'd be contacted. 

After months and months of waiting, both my co-lessee and I were notified in XX/XX/XXXX of a negative credit pull from Hyundai over an unpaid fee. I was shocked since I had not heard from Hyundai about any outstanding fees. 

I immediately called Hyundai Finance and asked what happened. They told me that they do not send the final invoice via email despite all prior invoices being sent by email. They also said that if they call and I miss the call, they do not leave voicemails. The only way I could have been notified of the final fee was by letter, which I never received. 

I turned out that Hyundai had the incorrect address and the final invoice was not actually sent to me, but rather some other address that doesn't even exist. 

I would also like to point out that I regularly checked my online account and saw nothing, until I called and followed up with Hyundai Finance. Once I spoke with them, the original invoice including the fees in question posted to my account. You can see in the attached documents that the final invoice has the incorrect address. When I spoke to Hyundai Finance in XX/XX/XXXX, I told them of the error in address. 

I settled the outstanding amount with Hyundai the day I learned of it, but it seems that they have kept the negative credit mark on the accounts of my co-lessee and I. When I filed a dispute with Hyundai, they investigated themselves and found there was no wrong doing and that nothing would change. 

I am desperate to remove the negative credit report for both my co-lessee and I since the fees were paid immediately upon learning about them, despite being denied the opportunity of knowing about them in a timely manner.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this XXXXXXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt or credit management

Ive been trying to keep the mortgage, but my aunt she traded out policies and stole benefits. So now I have no idea whats going on with it or what she switched or what she took and when I called them to verify which I already did and Im in the process of getting a lawyer I got the deed and it says that own ship is the tenets of residency of survivorship or something like that and theres a custodian account I guess you throw in my daughters name XXXX, XXXX, And, now I went to click on the link where it said that the house was in my name but its connected to a XXXX account that I never signed up for when I called they wont let me access it. I dont know what I dont know what to do right now
Product: Credit reporting or other personal consumer reports

In willful violation of federal law and in non compliance of FCRA 605B Equifax is refusing to remove an account ( XXXX XXXX ) that is the result of Identity theft. I have provided all identifying documentation, reported the theft to the FTC and provided Equifax with an affidavit of fraud from the police department. I am seeking the immediate removal and blocking of this account from my credit profile. Equifax has shown no evidence that any of the following are true that I 1. The request to block information was based on a material misrepresentation 2. knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. nor have I 3. agreed in writing that a block was made in error. A key provision in FCRA 605B is that a Credit Reporting Agency such as Equifax SHOULD NOT be investigating consumer cases of identity theft. Also conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. If this derogatory information is not removed immediately I have no other option other than to will seek punitive damages per FCRA 616.
Product: Debt collection

I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. 

I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. 

I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. 

I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX XXXX reported that I used there accounts fraudulently. That information they reported was fraudulently, my account was compromised and I received a call from XXXX & I notified them that it wasnt me and they indeed said the fraudulent action that was taken on my account would be canceled and then they mentioned a few days later my account would be closed. Ive been disputing this for months and they said it was verified as in they did not take the extra steps to verify any signatures on the fraudulent check that was deposited, XXXX address or anything as in it wasnt me. The company responded with a mailer stating that the fraud information they noted on my XXXX XXXX XXXX  and chexsystem that was false was no longer reported and listed as they removed it but it is still listed and Im still getting denied and declined for bank accounts. They have lied again just as they lied and put this false information on my report, lied and said they removed it and its not reporting which it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
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 issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I noticed on XX/XX/XXXX when I pulled my credit report there had been a medical bill in collections for almost three years. I called the collections agency to request what I had been billed for. All they could provide me with was a bill for {$730.00}. They couldnt provide any more details or told me I would have to get a lawyer so they could get into the file if I wanted more information. They couldnt give me a breakdown of the debt I owe or proof that they mailed me collections bill ( which I have never received in three years its been on my credit ).
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 called and they looked for my SSN and told me that I did not have an account with them. I reported to Equifax and I was sent an email from Equifax that information report was accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, KEYBANK NA XXXX, is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

I checked my credit report one day and I looked into and it said that I had a student loan with Ed financial. First of all I never even finished high school, I never even went to college, and when the account was first opened, it was in Texas, I never lived or been to Texas once in my life so far. I called numerous time to Ed financial and they told me that I had to get a police report and they would send me documents but they never did and told me they did but didnt. And then I would tell them that and they would say well our systems actually sent it out and we mailed it and I asked where and she said a Texas address when I never lived there or even visited once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account # XXXX XX/XX/2020. 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 a account without 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 reporting agency if the person knows or has reasonable cause to believe that the infomation is inaccurate.
Product: Credit reporting

On XXXX XXXX, 2016 I went to the official Equifax.com website and purchased what I thought was my full credit report with XXXX credit scores from the top XXXX credit reporting agencies, Equifax , XXXX and XXXX. I received my full credit report with credit scoring, which is not the XXXX actual credit scores. I understood that it was possibly my mistake, even though their language caused the mistake. I called Equifax on the same day, XXXX XXXX, and spoke with XXXX and asked what it was that I had bought. He told me that if what I prefer is the full report with the XXXX scores he would do the following : issue an immediate refund of my {$39.00} which would be posted to my account within 3-5 business days, confirmation number : XXXX. The next step was to purchase a credit monitoring trial for {$19.00}, which gives me exactly what I want, then cancel the next day, on XXXX XXXX, so that I am not billed for monthly monitoring services. I said I was happy to pay the one-time {$19.00} fee as long as I could cancel the following day and have a full refund of the first report. He said yes. 

On XXXX XXXX I now have my report with scores. I am pleased. Upon approved instruction from Equifax , I called back to cancel the trial. They told me it was cancelled and gave me a confirmation number of : XXXX. I did not, however, receive any email confirmation, as I had asked for, in both circumstances. Moving on. Before I ended the call I asked that they confirm my initial refund for {$39.00}. The service representative ( did not understand the name but he was male ) said that refund was not issued and that he would take care of it. Again, no email confirmation of this. 

On XXXX XXXX I still have no refund. I called Equifax and spoke with XXXX. He told me that no refund had been issued and that he had to escalate this to their investigations department who needed to review and approve such refunds and those take 7-10 business days IF approved. He told me this is how they all are handled and that he did n't know why the other XXXX Equifax representatives responded the way they did. Again, no email confirmation. 

Today is XXXX XXXX. It has been 22 days since this all began. I want my refund of {$39.00}. It is my hope that on XXXX XXXX, 2016 I am not charged with a monthly monitoring fee. If so, I 'll be going through this all again. Thank you CFPB for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

A friend sent me {$200.00} on venmo account is didn't have an account so I opened one. I tried to transfer the money to my XXXX  account and then my account was froze. I contacted venmo regarding my account several times and was told to send documents of the activity on the XXXX  account so I did. Then venmo sends an email to me stating that they permanently closed my account and are keeping the funds for 160 days. And I might not even get the funds. And also telling me to not contact them again. I don't know what and if I did anything wrong for my account to be froze.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a hard inquiry to my credit/file, made from XXXX XXXX-OH,  on XX/XX/XXXX18. I had not done this inquiry so I disputed this inquiry with equifax and XXXX XXXX. XXXX XXXX stated they had not ran my credit/ did not send inquiry, their system showed they never ran anything for me and show nothing. I contacted equifax, and was told the only thing that could be done is for me to call XXXX and have them take care of it to get it reversed. So now, I have XXXX XXXX stating my credit was never ran and equifax applying a hard inquiry to my credit that I never did, XXXX XXXX states they didnt do and I am just stuck with a fraudulent hard inquiry.
Product: Credit card or prepaid card

On XX/XX/2019, I made a purchase on Amazon and I thought I paid thru my XXXX account. I didn't realized that it was paid thru my Chase credit card. I never received any billing statement from Chase credit card for 3 months until I found out when i was buying a house. They submitted a late payment on my credit report for {$25.00} which made my fico score dropped 25 points to XXXX. I am currently in escrow and my loan will be denied if credit bureau didn't reverse the late payment record. Reversing the late payment record on my credit report will put my score back to XXXX. It was only for {$25.00}. This home purchase is a big dream for me because I saved my hard earned money for many years and established my credit. I called Chase and they didn't want to give me a letter stating that I was never really late. All I needed is a letter from them so that the credit bureau will reverse the late record. 
I am asking the help of CFPB to set the record that I never had a late payment. 
All I needed is a letter from Chase stating that I was never late, that it was not my fault.