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

On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XX/XX/XXXX XXXX and an unknown account with no viability or descriptions ; XXXX California # XXXX. 

XXXX California is not verifiable, valid or an actual account. I never owed the state or city {$88.00} and I have no outstanding debt and never have before. What is this? Remove it please. 

So, basically the dates are not right for XX/XX/XXXX and I would like the bureau to delete the account completely considering the delinquencies are actually from XXXX but for some reason were not reported until XXXX. Delinquencies were not from XXXX. The card was already closed in XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ). 

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.
Product: Mortgage

Started refinance process XX/XX/2020. Loan officer XXXX XXXX ignored most emails and phone calls asking for interest rates and fees. Missed closing deadline by 4 months and counting. I have been told in writing every week since we would be closing within a few days. They have given me last conditions to close including closing my XXXX XXXX Home Equity Line of Credit. After completing this request, they ask for more documents, additional fees and to run my credit a second time. They have scheduled me for 5 notary meetings to sign the paperwork and then cancel one hour before the signing each time. 
I have proof in writing of multiple times a processor saying she completed something and it turning out to be a lie. 
I have email the XXXX XXXX XXXX on multiple occasions to escalate my complaint to compliance, only to have him block my email. 
Online searches reveal my problems are systemic with the company as many others have experienced similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported my loan XXXX XXXX XXXX XXXX loan XXXX, when 30 days delinquent when i have made payments on time and informed immediately about Covid-19 impact. XXXX is practicing predatory lending practices ... i trusted them to use their credit builder loan to help me it is destroying my credit at a crucial time. I have made payments on time. XXXX XXXX is causing irreparable harm to my Experian credit report by falsely and fraudulently reporting my loan as 30 days delinquent..When i have making payments on time! I have sent screenshots that show my loan is current. They are destroying my progress. I trusted XXXX.
Product: Credit card or prepaid card

At check out I was offered a store card, and I responded by letting the cashier know I did not want to sign up for a credit card. The cashier assured me that this wasnt a credit card it was a store card, and it couldnt hurt my credit. I hesitated but agreed because of the 10 % off promotion. As they collected more of my information I started to realize this was in fact more than just a store card. I tried to back out and they said all I need is an address and the process was almost over and was fine. They didnt disclose to me that this address was where the card was being sent, so the address I gave was the one on my license that I have not lived at for quite a few years now. They assured me I could just cancel the card once I left.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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: Credit reporting, credit repair services, or other personal consumer reports

I want to protect my families credit. 
i being the head of household should be informed and in control of all credit requests. 
how this is not tied to my email or cell phone number is beyond ridiculous. 

lets get into this century. 
if i want to access my bank account i need a username/password and then you need to have my PHONE with a 2step verification password. 

but to open a new credit account in my name you need just some basic data ... .and then i may need to prove that i did n't open it? 

equifax breech shows you that its time to modernize your system of allowing credit based on nominal information that can be easily scraped and hacked. 

how is it allowed that people could open credit on my behalf without contacting me directly using verified contact/adress/phone/email methods? i understand that not everyone is so savvy but let me enroll in 2step as i want to actively monitor and secure my credit. not let it passively be passed around. 


its ludicrous. 
now i need to monitor my credit or freeze my credit and then pay to unfreeze? 
thats how i make sure i 'm secure? 
or pay someone else to do so? 


this is bull. 
figure it out.
Product: Credit reporting or other personal consumer reports

TRANSUNION has allowed these fraudulent accounts to be inserted into my consumer report. XXXX XXXX XXXX inserted a collection on my Transunion report without the proper correspondence. As a consumer, I have the right to request the debt to be validated before it is inserted into my consumer report. I have repeatedly asked Transunion to remove the fraudulent accounts. I have provided the required documentation as far as an FTC report and Transunion has refused to delete the accounts and continues to violate my rights as a consumer. These companies have inserted fraudulent accounts into a non-affiliated third party ( consumer report ) without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my loan with XXXX XXXX XXXX XXXX , during the month of XXXX when th Pandemic Covid 19 start I request my loan to be into the FOREVERANCE PROGRAM, XXXX accept and offer me 3 month starting on XX/XX/XXXX, XX/XX/XXXX until XX/XX/XXXX. 

On XXXX XXXX XXXX my loan to the company XXXX XXXX, this company send my a letter to offer me an extention for the Foreverance Program, and I agree for 3 additional months until XX/XX/XXXX. 

But XXXX XXXX Report to the 3 Credit Bureaus that my XXXX payment as late payment, and destroy my excellent credit report and scores, I never been late on my payments. 

I call XXXX XXXX and they told me they will be fix this mistake inmediatle and apologies for the mistake, I still waiting but they never fix the problem and they report again to the Credit Bureaus, causing more damage on my credit report for second time now my credit from over 700 credit score point appear as a miserable report of XXXX, all my lines of credit has been affected. 

I have all proof to summit to who and need this. 

I already spend hours and hours trying to solve this matter with loan care multiple employees and always they said they will fix but after almost 3 months they do not solve the problem and my finance economic is destroy. 

Need please to who correspond to help me to solve this problem ASAP. 

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

Car was my moms not mine and still showing on my credit history. Called Nissan multiple times and  keep getting the run around. They called and harassed me many times and I had to change my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I applied for the American Express XXXX XXXX XXXX card. I was denied with the following explanation : * Your XXXX Small Business Blended Credit Score ( see below ) * Based on your credit report, you have too many requests for credit, as reported by XXXX XXXX XXXX XXXX. 
* Length of time accounts have been established. ( XXXX XXXX ) * The number of accounts with high balances in relation to their credit limits or original loan amounts. ( XXXX  ) My business was new, so I could understand a decision based off of that and would have accepted that as the only point. The issue is with the remaining information ; that the information that they based their decision off of was not my information, and American Express refused to rectify the situation by looking into it properly. 

First point, yes the business is a day or two old, so I understand this. 
Second point, it was my second hard pull for credit in 2 years on my XXXX  and XXXX  reports. 
Third point, 1.5 years average might or might not make a difference, though my oldest 2 cards are 2 years 5 months and 1 year 8 months, with my third and most recent 4 months old. 
Fourth point, I have {$32000.00} in total credit ( because the automatic credit limit increase isn't seen on this report yet by XXXX, the total available credit across 3 cards ( XXXX XXXX branded American Express card included is {$29000.00} ) with a total reported usage of {$1200.00}. 

Additionally they included : * Too few non-derogatory sources of information on record for you. 
* You have degrogatory public records associated with you. 

According to them, I have public records on my credit report with XXXX. This is inaccurate, and I was told to contact XXXX. I did. XXXX  told me that there wasn't any public records on my account, and I was told to contact American Express again, and then I was pointed at XXXX  again. Unfortunately in this case, no one is willing to take responsibility, nor are they willing to put the effort in. 

I have ensured that I have paid all of my accounts on time because credit is important. I have never missed a payment with these accounts, and it's absurd and defamatory that American Express would suggest otherwise!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS PROCESS HAS CAUSED ME EXTREME XXXX  IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID TRANSUNION, XXXX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX  XXXX - {$0.00} XXXX XXXX - {$440.00} XXXX XXXXXXXX - {$650.00} XXXX XXXXXXXX - {$250.00} XXXX XXXX XXXX - {$680.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Bank Account XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXXredit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX  - {$780.00} )
Product: Credit reporting or other personal consumer reports

I am reporting XXXX AGAIN! They have NOT corrected my credit report. I have filed MANY reports and sent proof of what the balance should be. I also spent my LAST XXXX on XXXX XXXX to overnight them PROOF my student loans should have a XXXX balance because they were consolidated but they REFUSED to change it. Not only that I sent a letter showing what companies had my PERMISSION to pull my credit report. I was told by a representative to call the people on my report and get a letter saying they didn't have permission to pull my report. I was informed that I could NOT get a letter because they DON'T know me. IM SICK AND TIRED OF DOING THEIR JOB. THEY ARE RUINING MY LIFE. Not only is this stressing me out I suffered a XXXX XXXX from ALL the stress they have put me under. I WANT JUSTICE!!!! 
When I contacted your company, it said the case was closed. This is what I sent to your company before. 
I applied for an XXXX loan through XXXX banks and was told by the last bank that I had an XXXX number of inquiries on my report. I look at my credit report and noticed I had XXXX companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within XXXX hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for XXXX  years. Because I am a XXXX, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX if I DO NOT GET JUSTICE BY XXXX XXXX, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY AS WELL AS XXXX. 
I am also including Transunion and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my information was compromised in the incident. I now have more reason to fear identity theft may be in the future.
Product: Debt collection

Solar Panels are not working as XXXX promised. The sale person stated that I would not have an electric bill and that most times the electric company would end up paying me. The most saving that I have received in XXXX for 2 months was a credit of {$28.00}. Since the panels has been installed the credit is less than {$20.00} to {$7.00} a month ( XX/XX/XXXX {$7.00} ). The solar bill is {$210.00} a month with no large saving from the electric company as promised. Also, promised Tax refund of {$10000.00} from the IRS which was a false statement as well. 
Have contacted XXXX numerous times since the installation to let them know that we are not receiving any savings and that there might be a problem with the solar panels. When I was able to reach XXXX I requested that someone come out to service and no one ever showed up. According to the Protection Plan, If something ever fails, they will fix it, period. The service is FREE and certified techs would be sent out. The majority of time you are never able to reach XXXX or the person that you previous talked to or no they are longer working there anymore. No one ever call you back. The panels have never worked properly since day 1. The company is taking our money and not producing as promised. 
XX/XX/XXXX, talked with XXXX at XXXX, emailed her 1 years of bills to review to see why we are not getting the saving and there was no response from her. 
In XX/XX/XXXX, I received a {$390.00} electric bill and a {$210.00} solar bill ( - {$18.00} credit from the light company ). Tried to contact XXXX again to have someone come out to fix the solar panel or provide service/maintenance and was not able to reach anyone from XXXX. On XX/XX/XXXX called XXXX ( XXXX at the finance company ) to complain about paying the solar bill and they were able to contact XXXX at XXXX. XXXX sent an email to me on XX/XX/XXXX and said that our system was built off an avg usage of XXXX or below and the problem is that we are overusing. Using more than what the system was built for and the solar can not meet that requirement. Asked her what does that mean? Still havent heard back from her as yet. XXXX set the requirements for our house and evidently someone didnt do their due diligence before installing the solar panels. 

Demands : Need the solar panels to be re-installed correctly at XXXX cost because we are no longer going to pay for a service that we are not receiving. We have paid faithfully and have not gotten the service that we were promised. Also, we have requested that someone come out and check why the panels are not working numerous times, and no one has ever come out to see why they are working properly. Seeked advice from another solar company and was told that we had too many trees on our property and the guy that sold me the unit need to be fired because there is no way that XXXX should have installed solar panels on our house with all these trees. Not getting enough sunlight for the panels to work efficiently. Just tried of dealing with XXXX unprofessionalism and really would like to get from under the contract because no one is taking this issue seriously. Nothing working as promised.
Product: Checking or savings account

I have a savings account with U.S BANK in XXXX Ca and yesterday I went to deposit a check I received from XXXX XXXX XXXX to clear the negative status of XXXX. I went into that bank branch at XXXX XXXX XXXX XXXX ca around XXXX ish on XX/XX/year>. A bank teller processed my transaction and said I have XXXX available after clearing my negative balance of XXXX she also told me that I would have access to the rest of my funds of XXXX tomorrow which is XX/XX/XXXX XXXX when I called the customer service number for us bank and followed the prompts I was given a NEGATIVE BALANCE OF XXXX as of today. I called customer service to see why am I negative when I had a postitve balance and no one can tell me why. I ask to speak to a supervisor and i was told no manager wanted to speak with me nor take my call several times today and to go into the bank branch. they bank is over charging me XXXX dollars for no reason. XXXX rep told me the money wasn't available to take out and i said it was by the bank teller and if not then how was i able to obtain funds out of my account that has no overdraft protection. US bank is trying to be sneaky and by saying I'm negative when I'm not making me put extra money into my account when i know i am not negative. Also US BANK put an old closed account that was open in my maiden name onto my married new last name and that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a identity theft, report # XXXX and did a certified mailing to TransUnion, XXXX and XXXX. The following items are still showing on my credit report : XXXX XXXX, for {$15000.00} XXXX ( auto loan ) and XXXX XXXX for $ XXXX balance ( credit card ). I also have hard inquires remaining on my credit report. Originally there was 31 inquires and now 9 still remain. ( which are not my inquires and are unauthorized, either verbally or in writing. These inquires are as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and ( 2 )  XXXX XXXX. 

The FCRA, clearly states that, if I am a victim of identity theft and file the proper report and submit the documentation to the credit ( which I filed the report on a Federal level and will attach a copy of the certified report ). 

The credit bureaus have 5 business days to remove these items, from my credit file, per the FCRA and it has been two months and the credit bureaus have yet to remove these items as well as these unauthorized inquires. I have submitted two identity theft report, with various items as the items became known to me and have yet to have these last items addressed. I have been shopping for a home and these items are causing me financial harm, as I am unable to receive a home loan as long as these items remain on m, y credit report. 

In addition, I have a credit account from XXXX XXXX XXXX, which was reported to TrasnUnion and as of this date, They have yet to reflect the credit account on my credit report.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account XXXX ( 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 furbish an account without my written instructions.