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

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( F ) - Reporting information during Covid-19 Pandemic ( ii ) ( I ) states if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have furnished my account with out my consent or authorization. that is considered unfair practices, violating FCRA. Upon investigating I need proof of what you investigated, where you got the information from and I request a copy of the report if failed to do so I will not hesitate to take legal action
Product: Credit reporting or other personal consumer reports

I sent a request to validate or remove the listed accounts back on XX/XX/year> and no one has responded to me. I have reached out to them several times, but no one has responded to me. I am attaching the letter I sent them back on XX/XX/year>. I am requesting the listed accounts be removed from credit report immediately. 


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

XXXX XXXX LAST SS # XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX XXXX XXXX Balance {$490.00} Opened XX/XX/XXXX XXXX XXXX XXXX   Balance {$100.00} Opened XX/XX/XXXX XXXX  Balance {$3600.00} Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$9900.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

I have provided www.credit karma.com with correct XXXX and XXXX reports. They have deleted my files and refused to reopen report the corrected files. They have no telephone support and for several months have not corrected my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took out a lease on a 2018 XXXX XXXX. The leasing company was extremely slow in providing us with any invoice or bill which contributed to the confusion. We purchased the vehicle in XX/XX/2018. A payment for the vehicle was made at the time of purchase. A subsequent payment was made in XXXX for the amount due. Another payment was to be made in XX/XX/2018 in which we were late. This payment was made on XX/XX/2018 as per the attached confirmation. This was several days before it would have been 30 days late ( XX/XX/2018 ). In the leasing companies over zealous handling of this matter they now show us late on our credit reports. This was explained to them by phone, but their representative either did not understand it or did not care. We are attempting to avoid litigation but our patience is running out. We have attached the confirmation sent to my wife 's email.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act Tags : Consumer Protection Privacy and XXXX XXXX XXXX XXXX XXXXonsumer Protection Law 15 U.S.C. 1681-1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/2023, {$1000.00} was fraudulently taken out of my Fifth Third business checking account. After receiving the runaround ( told I would receive the funds back in 7 days, then 10 days, then 45 days ), I received a letter dated XX/XX/XXXX stating I would not be receiving my funds back and my fraud claim was denied.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX.
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. Dispute using Zelle numerous times and reporting discrepancies my financial institution in 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 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: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX I received a email from Chime telling me my account was closed. I called them thinking it was a mistake and they told me they cant tell me why other than my account violated their policy. They also told me I can not receive the money I had in my checking account.
Product: Credit reporting or other personal consumer reports

I lost money from fraud in the XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX the total fraudulent amount for XXXX XXXX XXXX are {>= $1,000,000} ) the total fraudulent amount for the XXXX XXXX XXXX XXXX XXXX XXXXXXXX are {>= $1,000,000} ) please I request to XXXX to get back the assets I have lost from the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). Nelnet sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the Nelnet accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.
Product: Debt collection

Debt has been disputed multiple times. Harassment continues yet requested documents have not been provided.
Product: Mortgage

The lender Towne Mortgage of XXXX Michigan and XXXX XXXX of XXXX Mi were to reimburse a fee of {$470.00} for the appraisal of the subject property XXXX XXXX XXXX , XXXX Mi XXXX at the closing dates XXXX/XXXX/16 ( file no XXXX ). The total monies we sopposed to be {$3100.00} and a check for {$2700.00} was given, check # XXXX. After numerous calls, emails to the title agency and the mortgage broker I am left with no alternative but to seek assistance from your agency.
Product: Checking or savings account

I've gotten a Total of {$230.00} In late fee 's from a bank error. I fully expect to get a 100 % refund of these fees. its absolute XXXX  XXXX that a bank thinks that this is fair practice. I'm sorry its not OK with me at all. the bank can not start a chain reaction of fee 's that makes it impossible for someone to get ahead its impossible. {$230.00} worth of Fee 's in less than 10 days when the funds in the account were enough to cover the original charges... .I 've already submitted one complaint I'll keep going until this gets resolved!
Product: Credit reporting or other personal consumer reports

It is a violation to report transaction history. 
Per 15 USC 1681 ( B ) ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( XXXX ) [ XXXX ] of this title. 
The Privacy Act of 1974 in conjunction to above referenced.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : -CREDIT ACCEPTANCE CORP # XXXX -XXXX XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This account was previously disputed and removed from my XXXX Credit Report in XX/XX/2016 under XXXX XXXX. Now it has been put back on my Report by XXXX XXXX. 
As I have explained to them this is not my account. I know nothing about it, and it should not be on my Credit Reports.
Product: Debt collection

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts and inquiries on my credit report, which I believe are the result of identity theft. National Credit System with the balance of {$270.00} opened on XX/XX/year>.
Product: Checking or savings account

I was denied my right to make my credit card payment. Iv written so many of these complaints it makes me sick. The bank and it's employees are absolute liars. They refuse to address the real issue and write bogus responses wich in no way resolves the issue. In this complaint iv provided one of the response letters and circled the lie.

I was not asked to come in because of traffic that day. As a matter of fact I was the only one in line. Pull the video feed and you will see. I was also in way happy about coming in! I have severe XXXX and do not like ersonal confrontation. It takes meds to even get me in XXXX much less a bank full of obvious liars. I am being retaliated against for writing these investigators and bank branches up to the government.
Product: Debt collection

They keep calling me and others in my family looking for me. This has been going on for months. I have no knowledge of who they are or who they are calling on behalf of.
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/XXXX Ive visited 5 branches on the same issue of my funds not being returned. I had an cashier check endorsed over. Td said XXXX XXXX had to request for it back XXXX XXXX  stated they see it was endorsed over by they owner they cant do anything to the funds as it were cashed properly an not reported stolen. Td repeatedly gave me the cold shoulder on multiple occasions an the run around. It is now XX/XX/XXXX an Im still a member with td due to the fact they wont release my funds to close out the account that I have no access to!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove several inquiries from my credit report with XXXX Online and all the time almost immediately receives a response about that info it is accurate and will keep in my credit report ( please see attached the last 5 responses from then ). 

Today XX/XX/2023 a few minutes ago, I spoke with an XXXX representative and spent a lot of time trying to explain my situation, that I have not authorized those inquiries and he refuse to do any about it. Then I asked him to speak with his supervisor ( called XXXX  ) and she refused to take care of it either, also told me that I have to call each company that has made inquiries in order to ask them to remove it. 

In case of XXXX, I have called since at least 3 years in order to get access to my credit report from there and make the disputes and they didn't took care about my situation either.
Product: Mortgage

I was constantly sending in documents to qualify for a workout solution. 
I live with my family and we are all working in resturants I tried to better myself and help my family by investing the money from my job into the business so I could always have a job. I only had a 20 % investment into the business. 

One of the representatives said I did not need to show the taxes from the business another said I did, after sending over 50 pages of the business tax returns they told me I did not earn any more and could not afford my mortgage. 

They made me go to a Wells Fargo Bank to sign my documents. Every thing they could do to discourage me from working to save my home they did. 

I say that I have been denied because of a Computer Glitch and hostile workers in Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report its reporting that I was 30 days late in XXXX payment .. My XXXX statement says my Payment was due XXXX I payed on XX/XX/2022 the statement says I paid on XX/XX/2022 So i was not late please update this information with Experian because it shows its 30 days
Product: Checking or savings account

Navy Federal Credit Union stated they took money from my refund check due to allege overdraft charges. I have no known knowledge of any such charges and they did not provide me with the required documentation to prove the withholding of my money was due and necessary. Before filing a federal lawsuit I feel it is necessary to try and work this out. Forward me copies of all the charges you accessed to come to the monetary value you did.
Product: Consumer Loan

Today, XXXX/XXXX/XX/XX/XXXX, at XXXX XXXX CST, I received a phone call from someone stating that they are with the XXXX and that they are representing HSBC Bank. She stated that they are working with HSBC to file Felony Theft of Business Services charges against myself and my husband due to a vehicle that was repossessed from us. The vehicle was repossessed back in XXXX XX/XX/XXXX. She stated that HSBC has been sending letters to us, but we have not received anything to date in regards to this. The address that they have supposedly been sending letters to, we have not lived at for over 6 years. We put in a forwarding address with the post office and our current address is listed on file with our credit report. The original creditor HSBC has already written off the debt and it has already fallen off of my credit report. I have not seen the collection for the debt listed on my credit report any longer as of XXXX XX/XX/XXXX. Can they legally file these charges against us on a debt that is almost 8 years old? Is n't this considered a " Dead Debt '' which in Texas is illegal to collect on? When I requested written documentation, she stated that it would take 30-45 days to receive in the mail. She stated that they only have it in their office for the next XXXX hours before it goes to be processed for a summons for court. She did not ask for my current address. She also stated that I would be receiving a summons in the mail to appear in court in regards to this matter. HSBC has made no attempt to contact me since XX/XX/XXXX when the vehicle was repossessed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  using account # XXXX, 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 my written instructions 15 U.S.C 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: Money transfer, virtual currency, or money service

Lost transfer XXXXXXXX XXXX  between Binance.us and XXXX XXXX, as I was bit panicked after reading the news of closure of binance.us operation in USA. This was my first transfer experience. 

Lost transfer XXXX XXXX To XXXX using XXXXXXXX XXXX  which is unsupported on XXXX that later I found, it's genuine mistake. 

Here is the transaction details... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This item is on my credit report. I never received notification from this company. I also never received notification of my right to dispute this debt
Product: Debt collection

$ XXXX-balance Total loss vehicle.. XXXX XXXX covered remaining balance. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have carefully reviewed my credit report profile, and I believe that the information reported by your bureau has failed to maintain reasonable procedures to assure the maximum possible accuracy, as mandated by credit reporting laws. The following information requires immediate reinvestigation, as it is entirely inaccurate and incomplete. I respectfully request that you provide proof of the alleged items, including the contract, note, or any other instrument bearing my signature. In the absence of such documentation, I insist that the items be promptly deleted from my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. The inaccurate items in question are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. In accordance with FCRA 15 USC 1681, I expect your bureau to take every necessary step to assure the accuracy and correctness of the information reported in my credit profile. Furthermore, I request that corrected credit profiles be supplied to all creditors who have received a copy within the last 6 months, or the last two years for employment purposes.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Investigation of XXXX XXXX Account TransUnion Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding TransUnions handling of a dispute I filed concerning an inaccurately reported XXXX XXXX  account on my credit report. 

I initially disputed the account due to incorrect reporting. However, upon receiving the results of TransUnions investigation, I found that their response contained further inaccuracies. Specifically, they stated that I had not made a payment in XXXX, but I have documented proof that I did. This is just one example of the errors in their findings. 

I am concerned that TransUnion did not conduct a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). I request that they perform a proper review of this account and verify all information accurately. If they conduct a real investigation, they will find multiple discrepancies beyond the one I have mentioned. 

I am seeking CFPBs assistance in ensuring TransUnion fulfills its legal obligation to conduct a fair and comprehensive investigation and correct all inaccuracies in my credit report. 

Thank you for your time and assistance.