23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regards to Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Regards to using Zelle a numerous amount of times and reporting discrepancies, my financial situation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. 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.
Product: Debt collection

I did not consent nor benefit authoired any of the following accounts or accounts : MIDLAND CREDIT MANAGEMENT- {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Account : XXXX XXXX Date opened is inaccurate. 
Balance & No. of month terms are inaccurate.

High credit limit is inaccurate. 
Last reported date is inaccurate. 
Last active date is inaccurate. 
Date of last payment is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account XXXX XXXX XXXX XXXX  Date opened is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX Date opened is inaccurate. 
Last reported is inaccurate.

The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account XXXX XXXX XXXX XXXX Account status is inaccurate. 
Date opened is inaccurate. 
No. Of month terms are reported inaccurately. 
High credit is inaccurate. 
Last reported date is inaccurate. 
Last payment date is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

- My DATE OF BIRTH is reported inaccurately by Experian XXXX XXXX. 
- My current address is reported inaccurately XXXX, Experian, & XXXX ( My correct current & ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) - My previous address is reported inaccurately XXXX, Experian, & XXXX
Product: Debt collection

I dispute this with credit Bureau and the Collections company claims to have verified the debt without sending me any proof or verification whatsoever. 
I demand that they immediately remove the negative items on my credit report immediately or proof to me that I owed the debt by providing me documents and the original contract of the debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I strongly disagree with the response of your investigation. Even after your investigation, the following incorrect items still remain on my credit report. I request an immediate reinvestigation of these items due to their negative impact on my credit rating. 
1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX. 
4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
7. Validate Account XXXX XXXX XXXX Account Number : XXXX. 
8. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXXXXXX. Validate Account Account Number : XXXX Please ensure that all information is accurate XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX 16. The following personal information is incorrect Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
22. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 24. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
25. The following personal information is incorrect 26. Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact, a victim of this data breach and Trans Union has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I WAS A Victim of the XXXX data breach. I want these items Deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all XXXX bureaus several weeks ago and XXXX  didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.
Product: Checking or savings account

Open a claim with chase for multiple transactions on my account that I didnt authorize I lost my entire wallet. And chase didnt even investigate they just denied my claim and closed it because of claim abuse which is total XXXX I use chase for everything and been using them for years. I am thinking about closing my account and closing all my family account to go to a local bank because this is totally unexplainable. The employee I call too was super rude didnt even help one bit and seem like she just wanted to get off the phone as soon as possible. The claim was for a total of XXXX and it was close in a day there no way you can investigate in a day! I am gon na seek legal action if this isnt resolve between me and chase.
Product: Student loan

They call before XXXX on Saturdays. It 's disruptive and annoying, plus it 's an robocall, which makes it even more annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent debt from XXXX when my identity was stolen at XXXX XXXX XXXX, that i was taken to court on in XXXX, that the creditor didnt show up to, and this was dismissed, its been 10 years, but this is still destroying my credit, the creditor refuses to remove this and they constantly harass me from XXXX every day
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act this agency XXXX XXXX XXXX Account number XXXX has violated my rights.

15 usc 1681 section 602 A. states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the accuracy of the credit information that Experian has reported on my credit report. Specifically, my account with XXXX XXXX  ( Account Number XXXX ) was reported as being 30 days late on my Experian credit report, while other credit bureaus did not report any late payments on this account. 

I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities.

Therefore, I request that Experian investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete.

In support of my dispute, I have enclosed a copy of my credit report from XXXX and Experian that shows no late payments on my XXXX account. I also have attached any other evidence I have that demonstrates that this account was not 60 days late. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

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

Public Records - Bankruptcy sent letter to LexisNexis XX/XX/XXXX 2017 requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. LexisNexis refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party LexisNexis and they could not delete the item.
Product: Credit card or prepaid card

American Express offers reimbursement of charges for the TSA PreCheck Program to holders of the American Express Business Platinum Card, according to terms on its website, totaling {$85.00}. The card in my hand right now says, at top, AMERICAN EXPRESS BUSINESS and has the words PLATINUM written on the side. The card is also platinum colored. 

Amex refused my request for a credit to reimburse because according to their records, I do not have a platinum business card, but a regular business card. They wouldn't let me send a photo, and gave me a random fax number, then said it wouldn't matter anyway. 

By offering this account credit and sending me a card labeled AMERICAN EXPRES BUSINESS PLATINUM, I assumed I was entitled to the advertised credit, and went ahead and purchased TSA precheck and asked for the credit. I was repeatedly stonewalled. I have a record of the chat and photo of my card and believe they have falsely advertised a service to me.
Product: Credit reporting or other personal consumer reports

I first contacted Experian in XXXXXXXX XXXX XXXX about multiple records on my credit that I disputed, asking them to verify and validate the reported debts per the FCRA. Part of the well-established law is Experian is required to share with me proof of validation. After more than a month with numerous back and forth attempts, Experian is still keeping the debts on my record without providing proof they are valid debts under the FCRA. 

The most recent report numbers include : XXXX and XXXX Experian is violating the law by refusing to provide proof the debts in question on my credit are valid.
Product: Credit reporting

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to Equifax, XXXX, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Debt collection

I have no received any information about this account. I have tried disputing and reaching out to the company online but get response.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected the nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I recently file a dispute against Synchrony Bank ( Care Credit ) because it has been reported incorrectly on my credit report. On XX/XX/2021 I can to an agree on a debt settlement amount with XXXX XXXX XXXX the third party collection agency that Synchrony transferred my account to. The settlement amount agreed to was {$5100.00}. The payment was drafted in two separate transactions due to the amount. 
Synchrony bank then report on my credit report that a payment was made to my account on XX/XX/2021 which was a lie. The debt was settled on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pretty sure you have my son 's old address ' on my credit report. His name is XXXX XXXX XXXX and I am just XXXX XXXX. I have never lived at XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   AR XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I had a door to door salesman come to my house to sell me solar. He told me that the solar panels would cover my whole cost of electricity, well they only covered half. I also was told that it would cost me about XXXX, then I get a contract from XXXX for XXXX and XXXX over the lifetime. I called the solar company and never got a response. I finally was able to get in touch with XXXX and they told me that I was stuck with the contract.
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 : XXXXXXXX XXXX Account Number : 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 of 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

Re : Capitol One Auto Finance, XXXX XXXX. XXXX XXXX, XXXX, TX XXXX There are 2 Hard Inquiries on my XXXX credit report that I did not sign for, or authorize. I did not apply for credit with this company. The inquiry date are as follows : XX/XX/2018 XX/XX/2018
Product: Credit card

Wells Fargo Visa has told me for the past five months not to make any payments until the issue is resolved and not to worry about interest or fees, and now they tell me its been resolved but the balance plus fees and interest and negative marks on my credit report say otherwise. 
Its showing the full balance, late fees and interest on my card along with derogatory marks to my credit and all they can say is we dont know why its not showing XXXX balance and no one is doing anything about it. I have given them everything they asked for and have not gotten anywhere. 
Please help as its affecting my health.
Product: Credit reporting

Equifax online dispute module reported error message stating unable to process after successfully completing questionaire. (? )
Product: Debt collection

Was threatened to be reported to XXXX for a very old Wells Fargo account- said they had communicated by mail previously and must have been overlooked by me. Very immediate response required for an acct that is extremely dated - Phone calls from nbrs suspected in scam calls - letter sent from an address that doesnt pull up in XXXX XXXX in Delaware XXXX It seems there have been many complaints about similar communication.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a credit inquiry from CapitalOne Bank appeared on all XXXX of my credit reports from XXXX, XXXX, and XXXX. I was able to contact CapitalOne, XXXX, and XXXX to stop the credit application and remove the credit inquiry from my report. XXXX requires a written letter and FTC report to remove the fraudulent credit inquiry from CapitalOne on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some hard inquiries appeared on my Transunion credit report, which supposed be fraud and I want to remove them for accuracy. 
list of hard inquiries I don't recognize : XXXX XXXX XXXX XXXX ( Auto XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Bank ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/XXXX And one inquires on XXXX report XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove 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 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

Received a call from a XXXX XXXX and XXXX XXXX in XXXX IL about cash flipping. They took {$100.00} from me and never received anything from them. They have dropped all contact with me and all. This was a MoneyGram. 

Please look for these XXXX numbers : XXXX from XXXX XXXX. 

XXXX from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX  - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with XXXX5 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Debt collection

I paid a debt collector on XXXX in total of XXXX. XXXX months late I was notified that the debt was still owed by ic system. I sent the letter from my chase account that it was aready paid. I stated that it was illegal to pay a debt twice. They notified me that its not there problem. Both amounts where exactly the same. I have prouf that it was paid. I sent it in. They did not care. I feel like this is not write .I had to pay this so it would not be on my credit report. It still went on my credit report twice. I need to know how to fight this