23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted this credit bureau to have inquiries removed that were not mine. There are a list of inquiries most of which are duplicated on my report. Please instruct the bureaus to remove these fraudulent inquiries as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a Notice to OPT OUT letter by Certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX that XXXX XXXX  stop reporting negative information on my credit report. 

As of XX/XX/2023 they are still reporting negative information on my report and are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( G ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Negative information The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. 

I never received a notice in writing from XXXX XXXX  informing me that they were reporting negative information on my credit report. 

XXXX did respond with a digital letter ( see attachment ) and clearly ignored and did not understand my request.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX XXXX XXXX XXXX. The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX, XXXXXXXX XXXX  ) that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) As you can see it showing 30 days late twice on XXXX and XXXX  reports and reporting paid on time on Equifax report, this is inaccurate and should be updated immediately. Thank you.
Product: Credit card or prepaid card

XXXX XXXX switched from XXXX XXXX to XXXX. I had a payment scheduled for the full amount of my balance, but the payment was cancelled by XXXX during the transition. Apparently, this was done with everyone. They sent out an email to sign up through the XXXX website but the website constantly crashes, no one will answer the phone or emails and I can not make my payment. They say late charges will be waived but it says nothing about interest. I want to pay but can not pay do to not having a payment address, statement and not being able to get into the website.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX Bank in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 

15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress 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. 
And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. 
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to me.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes in light of the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle Numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allows repeat offenders to exploit the system leaving users vulnerable of scams.
Product: Credit reporting or other personal consumer reports

Experian have put UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT AND THEY NEED TO BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXXXXXX XXXX account number XXXX and XXXX XXXX account number XXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*Please note that the bureaus did not reply to my dispute letter.
Product: Credit reporting or other personal consumer reports

there are fraudulent inquiries in my report that are affecting my score please remove them as soon as possible. 

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

To Whom It May Concern, I have been having issues with Wells Fargo bank since XX/XX/2022. It started when transactions would hard port, fall off and come back and hard post again and then I would incur over draft fees. This continued to happen with multiple charges and I had to end up using most of my paycheck one week to pay back what was said over drafted. I always make sure the funds are there to cover my charges. I even transfer from account to account within Wells Fargo and I end of being charged over draft fees for that because it was said it wasn't posted. How can that be when it is in house? I have 4 accounts with Wells Fargo. This has been continuously happening with all 3 checking accounts with them. I have had about 3 escalations and have gotten correspondence on 2 of them. I have also been scammed out of {$1500.00} through using XXXX XXXX  with Wells Fargo and I opened 2 separate claims with Wells Fargo and was told there is nothing they can do. I spoke with XXXX a few times and they advised to contact Wells Fargo about getting my money back. I have yet to get anything back and was basically told oh well you will not be able to get your {$1500.00} back. This was sent from 2 of my checking accounts for a service I was suppose to get for a home and never got the service. The only thing that was done was the other party 's XXXX account was shut down. I need some type of resolution on these issues please. I have lost thousands of dollars within the last 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are frozen at my request ; however, once a year my bank, XXXX, is required by the federal government to request a credit report because of a large business loan. They use Trans Union. I called Trans Union and asked for a temporary lift for both my wife and me. I asked for a unique number to give to the bank which I received from Trans Union and I passed on to the bank. My banker called and said that the numbers did not work. I called Trans Union and the young lady who answered checked the information and said they should work " have the bank called the marketing department. '' I asked the young lady for the number to which he replied " the bank has the number and disconnected the call. This call was made during the timeframe the account was unfrozen. My banker could never retrieve my credit report. I went to the bank on XX/XX/XXXX and together we called Trans Union. After asking to speak with a supervisor, I was told that the problem was that the bank did n't have the right software to use the number that Trans Union gave me and " if I had called during the freeze they could 've done something about it but since the freeze had been placed back on the account I would have to pay the fee again. I did call during the freeze. And was not told anything about the numbers not working with particular banks. I was treated rudely and I have been forced to pay the {$20.00} again but something should be done about this kind of treatment. I resent having to pay to lift my credit twice when it was not my error but rather lack of information from Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, AZ, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never had late payments for the account XXXX XXXX  XXXX - Account number : XXXX. 

I have proof that there is a discrepancy within the late payments being reported All XXXX bureaus are reporting different/incorrect amounts of late payments. Truly they should all say XXXX. 

Please investigate and provide proof with statements showing that the payments were late. If proof can not be provided, I demand the payments be updated to On Time as they should as I was NEVER late. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from Equifax regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately including information on my credit report falsely claiming that I have a Wells Fargo account that has late or missed payments and hurting my credit. 
This account was never late or past due. No payments were ever missed. My spouse was forced to file XXXX  XXXX bankruptcy. She actually chose XXXX even though she could qualify for XXXX so I would not be affected. I did not for, just her. Wells Fargo unilaterally charged off this account that was current and up to date. I am under an order of protection and no derogatory marks should be allowed on my credit, nor other attempts to collect, due to my wife 's independent filing. 
XXXX correctly marked the account as closed and nothing else. XXXX initially included the derogatory comments, but upon dispute correctly removed them and now the account just shows as closed. 
XXXX has refused to fix their error, and in fact made it MORE derogatory after initial dispute. Any mention of late or missed payments is a LIE and is defamatory. The account should not be presented with derogatory marks on my credit due to my spouse 's bankruptcy. XXXX needs to be forced to do the right thing, since they refuse to do it on their own.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Home Depot ( CBNA/THD ( Home Shopping ) made a hard inquiry on my credit without my permission. I complained to customer service. They told me that they would forward the matter to a supervisor to look it to what can done. Today I received a letter stating that no late payments had been reported to the credit bureau. ( Letter attached ) Well, I already knew that, and, that was not the issue. I want the inquiry removed since I did not authorize it.
Product: Money transfer, virtual currency, or money service

Spanning from XX/XX/2022 until XX/XX/2022 There was fraudulent activity and money stolen from our personal checking account. Money was transferred from our XXXX XXXX checking account to a online digital wallet entitled coinbase, money was then hacked or transferred to the fraudulent account. Despite our best efforts, Coinbase will not help us recover lost funds or reverse the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681, SECTION 604 a SECTION 2 : It also states a consumer reporting agency cant furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name si XXXX XXXX I am writing this complaint without and influence form any third party. Please see attcached documents and ID it contains my full complaint and request.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I made a purchase from the Lowes XXXX store. The clerk told me if I signed up for a Lowes credit card I would receive and additional 10 % discount. The clerk had a great deal of problems getting me signed up for the account. I pulled out my XXXX card and swipe it thinking the charge was being placed on my XXXX card. The charge was actually on the Lowes account. I found this out after reviewing my XXXX charges. I called Synchrony bank and they reversed the charge pending a review. In the mean time I discover my error and called them back informing them that the charge was mine. They placed the amount back on my account. I then paid the amount due on line. They stated they could not find the payment. So I sent them a copy of my bank statement which they did not accept. After numerous phone calls and support faxed to them they still as of this date have not resolved the issue. They lost the item I returned for credit, I supplied them with a letter from XXXX  XXXX XXXX stating the monies did come out of my account, it went to Synchrony for the net amount of the purchase. As of today Synchrony still show the incorrect amount ( {$690.00} ), they can not locate the payment ( even though my bank assures me the information they supplied is enough information to trace the payment as they gave me Synchrony bank reference number ). 
In Synchrony documentation they state they will accept a letter from the bank. I do not work for them and I can not control their accounting department. I have supplied the support they asked for to resolve the issue.
Product: Credit card or prepaid card

I have an AAdvantage credit card with citibank. They offered XXXX American airline points bonus after I spent {$3000.00} ( I do not remember exactly the number, but either {$2500.00} or {$3000.00} in the first three months of account opening ). I have spent {$5000.00} on this citi card. I just chatted with a citibank representative, on XX/XX/2019, and was told that I am not eligible for the bonus as I had this type of credit card in the past. Since I applied and was approved for the new card, citibank never told me this information. If am not eligible for the bonus, which is the main reason I applied for the card, I should be notified in writing. And I never received a letter indicating that I am not eligible for the point bonus.
Product: Debt collection

I am writing to file a formal complaint against Resurgent Capital Service regarding their violation of my consumer rights as outlined in various provisions of the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Despite repeated attempts to resolve this matter directly with Resurgent Capital Service, they have failed to address my concerns and have continued to engage in practices that are in clear violation of federal consumer protection laws. 

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), Resurgent Capital Service is required to provide validation information upon request. However, despite my request for validation information, they have failed to provide any such documentation. Despite this, they have placed a collection on my credit report, which has adversely affected my credit standing. 

Denial of Dispute Opportunity : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute any inaccuracies in the information provided by a collection agency. However, I have not been given a chance to dispute the collection placed on my credit report by Resurgent Capital Service. 

Use of False and Misleading Representation : Resurgent Capital Service has engaged in false, misleading, and deceptive practices in their attempts to collect a debt from me. These practices include but are not limited to providing inaccurate information and misrepresenting their authority to collect the debt. 

Failure to Provide Required Disclosures : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), Resurgent Capital Service is required to provide certain disclosures before furnishing any account to a consumer reporting agency. However, they have failed to provide these disclosures, thereby violating federal law. 

I am deeply concerned about the impact of Resurgent Capital Service 's actions on my financial well-being and credit standing. Their failure to comply with federal consumer protection laws has caused undue stress and inconvenience. 

I hereby request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Resurgent Capital Service for its violations of consumer rights. Additionally, I urge the bureau to ensure that Resurgent Capital Service takes corrective measures to rectify the harm caused to me and to prevent similar violations in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 

1.By XX/XX/XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 

2. I found a XXXX XXXX XXXX collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in XXXX  but still there and pay just to finish this quick so i dont get my credit bad. 

3. BANK SANTANDER USA ( XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit for 6 years and trying to do the right thing.I have settled accounts with lenders to satisfy them but my credit report and score is suffering from it.It still shows accounts being potentially negative which shouldn't be because I have done everything possible to keep all creditors happy.These potentially negative remarks should.be removed.Please help as I just apply ed for a home equity line of credit.Thank you.