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

I am contacting your company because XXXX XXXX and Experian Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  OpenedXX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and Experian about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.
Product: Credit reporting

I have disputed this account 4 times with TransUnion mentioning to them that this account has a closed date of XXXX/XXXX/XXXX and a last payment of XXXX/XXXX/XXXX according to the state of CA statute of limitations this account should be removed from my report 7 years from the date of first delinquency. I called TransUnion they say the date of first delinquency on file is in XXXX which makes no sense because if the date of the last payement was XXXX/XXXX/XXXX then the date of first delincquency should be XXXX/XXXX/XXXX OR XXXX/XXXX/XXXX somewhere around there. I have also called XXXX about this account and right away they tell me before I am able to say anything that this account may be not be within the statute of limitations anymore and that any payments to the account may restart that time frame and asks right away if I would like to make a payment. I told them the reason for my call was to get information on the account ( ie statments, letters, anything ) they tell me that they can not send or see any information on the account they can only apply a payment to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account was closed due to lost credit card. A new account was opened and a new credit card was issued. The closed credit card account is still appearing as open with the original balance that was transferred to the new account rather than being reported as closed due to lost card with a XXXX balance. The new account is also appearing with a balance. The credit reports show 2 of the same accounts : the closed reporting as open and the new inaccurately also reporting double the amount of debt. I have filed disputes with all 3 credit bureaus and contacted the company, but it has NOT been corrected. Also this company as slow and sometimes fails to produce a credit card statement, and unpredictably reports to some bureaus and not the other, and/or the credit reporting agencies are not processing the information they receive from this company and updating timely and accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

An account was opened back in XXXX and was charged off due to the age of the account but now a debt collector is re-aging the account to XXXX as a new account on my credit report causing stress and holding me back from my full potential. 

I have dispute the claim a few times but the credit agencies still report the collections as a new account on my credit report, causing more stress and issues with me getting a loan and a decent credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being " reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as require dunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of theFCRA you are required to... promptly CORRECT all information which can not be verified.Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX Late Date XX/XX/19
Product: Prepaid card

Im in receipt of an American Express gift card. It is a {$25.00} snowflake card. When trying to check the balance online it said that they were errors and I called the number on the back of the card. Was told the card is not valid anymore and The {$25.00} was turned over to unclaimed property and he insisted this was the law in New Jersey. I said its good through XXXX so why would you take money of a card that Im holding and he said because its an active and I said but thats my decision and the only resolution was to send them a photo of the card front and back and then send them a copy of my drivers license, via email. I dont feel comfortable sending them all this information. I said why cant you just re-issue me another card he said no I cant he said its an unclaimed property and I said but they dont know that it belongs to me because it was a gift card, so I cant claim. I dont believe that this is happened and I said the gift card has an expired so theres no right that you had to take my money and he kept saying that its the state law. So I will I am not trusting. Bottom line is this gift card XXXX holding has a XXXX balance it is in active when it shouldnt be.
Product: Student loan

I've attempted to contact this servicer or otherwise access my account dozens of times over the past week or so. Yesterday I spent most of the day trying to get in touch with them, and have not received any communication from them, either by email, phone, or mail. Here is a detailed list of my attempts from yesterday, though this list is not inclusive of previous attempts over the past week : Type Date Description Portal XX/XX/2023 XXXX Attempted to login, got an error saying my login does not match records ( login was straight from a password manager ) Portal XX/XX/2023 XXXX Attempted to use the " Forgot Username '' function, got an error saying my login does not match records Portal XX/XX/2023 XXXX Attempted to use the " Forgot Password '' function, got an error saying my login does not match records Phone XX/XX/2023 XXXX Called and waited through 10 minutes of menus, finally got to the queue, was put on hold for 10 minutes, then they hung up Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Chat XX/XX/2023 XXXX Chat was ended immediately upon loading the window Email XX/XX/2023 XXXX Sent detailed email with the steps I had tried so far, video evidence, and a callback number Phone XX/XX/2023 XXXX Called into the hotline, went through the menus, requested a callback I will also note that I am unable to login, and when attempting to use the " Forgot Username '' or " Forgot Password '' functions, the servicer simply says that my info doesn't match the info on file. I would really like to establish my payment method before the XXXX payment deadline, and prevent a late mark on my otherwise perfect credit.
Product: Checking or savings account

Goodmorning, My entire account was access through my stolen phone I had just received my tax refund my account was wiped cleaned within a day down to {$1.00} I contacted USAA and one representative helped me with the debit card part but whoever accessed my account had a way to send a wire to an outside bank which totaled the amount of {$3600.00}. I asked for information about who it was sent to or the bank it was sent to no one could tell me because of some policy but its like if your accusing me of these things I need to know so i can contact the institution myself. I dont trust USAA because I am m not understanding how they could have let something like this happen then treating me like I am a suspect. My phone was stolen so the representative asked me questions to the nature of how can this happen if it says you logged in from your phone ( as i stated and spoke with the previous representative my phone was stolen and with a apple id all your Iclouds are contacted thats the only way that would be possible so she was like there wasn't a password on your phone I'm like no thats my business phone and my property who would think someone is going to steal their personal items. long story short i no longer trusted my funds in the bank account no one offered to help me change my information besides the first representation when I first called to report the incident. They locked my account multiple times after they put the funds back from the wire, I called in so they would know it was me wanting to process to my outside bank for verification purposes which is XXXX bank they canceled my wire after i initiated it, called me and said they are closing my account because they think I'm some part of some fraud scheme which is okay with them closing it which I was going to do also after I got my money out of their possession me being a consumer how could y'all let something like this happen and then treat your customer like their the problem. by the end of the call the man said they will be holding my funds for 60 days because it takes 60 days to close which is a lie because I closed a savings account and it was closed within that same day I need help getting my funds that are owed to me and reporting this bank for misconduct. I feel as though this is a race issue with me being young and an XXXX XXXX  and within 2 months I have deposited over XXXX inside of the account every XXXX XXXX doesn't do fraud but I wont stop here everyone is going to hear this story. That is my child 's money at the end of the day and I wont stop until he get what is owed to him. ( USAA BANK )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX  {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}
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 lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX XXXX. {$1400.00}. XX/XX/XXXX XXXX  XXXX XXXX. {$1800.00}. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

southwest credit system account # XXXX I'm asking to provide the following info 1.name and address of original creditor?

2.amount of debt?

3.proof your agency has right to collect debt 4.any judgements 5.proof the debt hasn't passed statue of limitations 6.also the FFA ( forward flow agreement )
Product: Credit reporting or other personal consumer reports

This account does not belong to me and I would like for it to be removed from my Experian, XXXX XXXX XXXX Report. Please validate and verify this account belongs to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Debt collection

I RECEIVED A LETTER FROM SOME LAWYERS, WHO ACT ON BEHALF OF THE ASSOCIATION OF MY HOUSE, INDICATING THAT I HAVE TO PAY FOR A DEBT THAT WAS GENERATED AS A RESULT OF THAT NOTIFICATION, THEY INTEND THAT WE AS OWNERS OF THE HOUSE ARE THE ONE WHO ASSUME THESE COSTS AND IT IS UNFAIR SINCE WHAT THEY ALLEGE IS NOT REALLY TRUE
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts.
Product: Bank account or service

Regions bank is finding ways to rob consumers of their funds. I had {$46.00} in the bank when XXXX charges came through for {$39.00} & {$6.00}. There was enough funds to cover XXXX of the charges, but they charged me nsf fees of {$36.00} each for both charges. This is bank robbery but Regions Bank is the one doing it. They are finding creative ways to steal from their customers XXXX/XXXX/2016 FEE MONTHLY FEE {$8.00} - {$82.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$74.00} XXXX/XXXX/2016 DEBIT PAPER STATEMENT FEE {$2.00} - {$38.00} XXXX/XXXX/2016 CARD XXXX XXXX {$39.00} - {$36.00} XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$36.00} {$3.00} XXXX/XXXX/2016 CARD XXXX XXXX {$6.00} {$39.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$11.00} {$46.00} XXXX/XXXX/2016 DEBIT LOAD TO CRD # XXXX {$5.00} {$34.00} XXXX/XXXX/2016 CARD XXXX XXXX {$36.00} {$39.00} XXXX/XXXX/2016 DEPOSIT DEPOSIT {$63.00} {$75.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX {$7.00} {$12.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is showing information that doesn't belong to me. I have tried to have the items removed and have sent several letters to them to have the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a 15 year mortgage with XXXX XXXX  XXXX on a commercial property that I use for my business. I own this personally and lease it to the business. I was a XXXX XXXX customer of XXXX and had a line of credit with them also that was separate. I was never 30 days late on making my payment. There was a 10 day grace period after the due date. If you went past the 10 days, there was a {$35.00} fee. If I went over the date, I paid the {$35.00} fee. I paid on the loan for 15 years. When I got to the end, I received a letter from them telling me I owed an additional {$22000.00} in interest. They had been accumulating interest for 15 years for every day after the due date that I was late. And then they were charging me interest on the interest. In 15 years, they never sent me a report saying that I owed the interest. It did not show up anywhere on line on my account. There was absolutely no way that I could know that they were charging me this interest or giving me the opportunity to pay it off each year so that I would not be paying interest on interest. I obtained counsel and they began negotiating. It took about 6 months but we reached agreement that I would pay {$5000.00} and they would forfeit the claim for the additional funds. They gave me a release from the deed and it was done. Have them send me a copy of the settlement. They are currently reporting this as an error on my credit. I have attached the letter which was the first time I was notified that I owed additional money.
Product: Credit card or prepaid card

i call to request a copy of my original card agreement.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Navy Federal Credit Union XXXX : Card Fraud Prevention Recovery XXXX XXXX XXXX XXXX, VA XXXX Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX XXXX ] Dear Card Fraud Prevention Division I am writing to dispute charge ( s ) of {$17000.00} to my XXXX XXXX account on XX/XX/XXXX from XXXX XXXX XXXX XXXX transaction date XX/XX/XXXX ( Reference No. XXXX ) and transaction date XX/XX/XXXX ( XXXX XXXX. XXXX ) The charges are an error because I did not rent a vehicle from this merchant since XXXX and any associated fees from my XXXX rental was already charged XXXX XXXX and XXXX XXXX when the vehicle was returned and closed on out XXXX XXXX. 
Somehow this merchant has posted several erroneous charges to my account and upon reaching out to them I was advised that they would review and resolve this matter in which they did not. I have previously disputed these charges and they were reversed and the reasoning was because I had a prior purchase history with this merchant I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I receive an accurate updated statement. 
Enclosed are copies of the rental agreement from this merchant in addition to my XX/XX/XXXX for XXXX XXXX ending in XXXX statement which verifies that their vehicle was returned to them and the incurred charges : ( Review XXXX XXXX statement for XXXX XXXX ending in XXXX [ Transaction date XX/XX/XXXX Reference No. XXXX ] and Transaction date XX/XX/XXXX Reference No. XXXX ] were the ONLY charges that I authorized for this merchant to charge. The attached documentation serves to support my position and experience. Please correct the error on my account promptly. 
Sincerely, XXXX XXXX Enclosures : XXXX XXXX statement, XX/XX/XXXX XXXX ending in XXXX statement. XXXX XXXX XXXX ending in XXXX statement, and XXXX Rental Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, XXXX Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX  Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX15 USC 1681 ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Equifax to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) 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 relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is violating the united states codes and should delete these items off of my consumer report or face legal action.
Product: Credit reporting

I originally wrote Equifax on XXXX XXXX, XXXX. They received the certified mail on XXXX XXXX, XXXX. They took until today, XXXX/XXXX/XXXX to respond. That is in excess of the 30 days allotted by the FCRA. Thus, I am requesting that all items listed on the attached letter be removed from my credit report. Nowhere in FCRA is a matter allowed investigation in excess of 30 days.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX