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

this is like the 15 th time i have had to make a report about this credit reporting agencies, experian, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX 2017 FROM XXXX XXXX/XXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX COUNTY 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I reported a fraudulent scam that entailed someone pretending to be XXXX XXXX and stating my bill was past due and my power would be shut off. They asked I use Zelle, from my banks mobile ap, to complete payment. I was fraudulently charged {$990.00}. My bank told me to contact Zelle, which I attempted to do, with no reply, just an automated response telling me to contact my bank. This is a circle perpetuated to XXXX over the consumer. I never signed anything, or entered a pin number. According to federal law, under Regulation E of the Federal Electronic Funds Act, this is violating my consumer rights, and I demand a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX Has an inaccurate amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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 if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I have sent a few disputes to this company, which have yet to be properly investigated or responded to in accordance to FDCPA guidelines. Yet they still continue to change me fees and send inaccurate information to the CRA about this account, while in the middle of a unresolved dispute with written instructions not to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXX XXXX XXXX, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST REVIEWED MY MOST RECENT CREDIT REPORT AND CAME ACROSS SEVERAL ERRORS.
Product: Checking or savings account

Thank you for taking helping out with my business account, I was advised last time my account would be modified to not allow transactions to post if there was not enough funds.

However that doesnt seem to be the case as I was assessed six ( 6 ) overdraft fees of {$35.00} each totaling {$210.00} I am please requesting for these fees to be waived as I was promised transactions wouldnt post if there werent funds yet its happening
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry dated XX/XX/2020 and XXXX XXXX dated XX/XX/2020 should not be reporting on my consumer credit report after 2 years according the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act has XXXX XXXX XXXX XXXX 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

MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES CITIZEN, RETIRED AS A XXXX FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX CARD WAS PAID PAID AS A SETTLEMENT DONE THROUGH NATIONAL CREDIT ADJUSTERS AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the Experian, XXXX, and XXXX credit reports, the account needs to be deleted from the Experian and XXXX credit report. 

The information for this account listed on my credit report is : XXXX XXXX, BALANCE {$42.00}, OPENED XX/XX/2014, ACCOUNT XXXX
Product: Money transfer, virtual currency, or money service

Logins to the site dont work as they apparently have associated my account with a two factor authentication that I dont use. Ive tried repeatedly over the last two months to contact them and two of their business partners only to receive automated emails that have broken links that indicate that any emails I send are not monitored and will not be processed. Ive made repeated attempts to contact them by phone numbers Ive been given yet they just consistently play recordings that theyre out of the office- even during business hours. XXXX and XXXX are two of their business partners with whom I attempted to initiate communications and they are likewise nearly impossible to communicate with and will not process any request to restore my account..
Product: Mortgage

Loan officer knowingly processed a fraudulent loan application and directed appraisal company to mislead buyers and aid to processed fraudulent home appraisal and home loan.
Product: Credit reporting or other personal consumer reports

Its outrageous that my credit score has been negatively affected by accounts I didnt open. These errors are seriously compromising my financial well-being, and theyve already cost me valuable opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with 3 credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Mortgage

XXXX XXXX recently sent me a letter asking for proof that I still lived at my home for no apparent reason. They are trying to cancel my homeowners insurance which I need for protection. I feel like this illegal. I believe that SPS asked them to do this and this is the second time it has happened.
Product: Debt collection

This company has been constantly calling my home for the last XXXX yrs all through out the day. The will call everyday before XXXX, in the afternoon and after XXXX. The keep asking for someone that 's not me. I have responded numerous of times, letting them know that I 'm not that person and that person do n't live at my address and this is my phone number. 
I do n't answer anymore because of the rudeness that I 've received from them on previous phone calls.
Product: Debt collection

This is not my debt and I have asked repeatedly in writing and over the phone for proof of debt. Documentation provided to me that this is in fact my debt under the protection of the law. Just because they say it is mine doesnt mean it is, I am owed proof of debt under the law. This is not my debt.
Product: Checking or savings account

Ever since late XX/XX/XXXX, USAA has been letting me transfer money from my XXXX XXXX XXXX XXXX account to put money in my USAA checking accounts. But starting about 2-3 weeks ago, XXXX start reshuffling the way they process transactions, and I called them out on it, because it was obvious they were doing it to charge customers overdraft fees. They quietly fixed things and refunded the fees they charged me. However, when XXXX was doing this, it kept causing Returned Items on legitimate money transfers with funds fully available, but then XXXX would recall the money. This set off alarms with USAA, and I was able to fix the problems with both banks ... well, I fixed it with XXXX. USAA restricted my accounts to the point where I ca n't perform transfers, or even use my debit cards. I 've called and faxed USAA and I 've even included the XXXX XXXX XXXX XXXX statement apologizing to me AND USAA for the " honest mistake that should have no reflection on [ my name ]. '' But USAA wo n't do anything for me, and after asking a banking rep how long it takes to return to normal, they replied " weeks to months. '' I have deposits coming into both my accounts from my small business and from family providing money to me, and I ca n't access it. I can look at it on USAA 's website, but they wo n't let me access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I disputed several collection items with Experian, XXXX  and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Product: Credit reporting or other personal consumer reports

I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late fees are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.
Product: Credit reporting

Contacted Equifax today XXXX/XXXX/2015, in an attempt, to dispute inquiries. I initially spoke to a customer service rep by the name of XXXX. She submitted a dispute for a collection account with confirmation number XXXX. She stated she was unable to dispute any inquiries. She continued to say the Fraud Department would have to assist me. I spoke to XXXX in the Fraud Department. He stated they are unable to dispute inquiries, because they are factual. I then requested to speak to a supervisor. I spoke to XXXX who stated she was a supervisor in the Fraud Department. I explained to her about the inquiries and attempts to get discrepancies resolved through the creditors, without success. I also told her that I was told by the CFPB that credit bureaus have to dispute inquiries and could provide me with documentation used to complete the investigation. She then told me they do not have the capability to dispute inquiries. I then told her that inquiries were able to be disputed in the past. Asked had that changed. She stated again they do not have the capability to dispute inquiries. The inquiries in question are listed below Settlementone : XXXX XXXX BANK XXXX/XXXX/2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 Equifax Mortgage Services : XXXX XXXX XXXX XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time I didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company XXXX XXXX XXXX  closed their doors abruptly. They turned over payment history to XXXX. I paid XXXX XXXX Mortgage through their company all the way to XXXX. Then started making payments to XXXX XXXX XXXX XXXX in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, XXXX XXXX reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX of XXXX. I haven't been with this company since before the pandemic started in XXXX. 

On top of that, XXXX XXXX is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.
Product: Credit card or prepaid card

In accordance with Fair Credit Reporting Act, Discover Bank has violated my rights.

Under 15 U.S.C. 1681 Section 602 section 4 - states that I have the right to privacy. 15 U.S.C. 1681 Section 604A section - states that a consumer reporting agency can not furnish an account without my written instructions. And, 15 U.S.C. 1666 B - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XX/XX/XXXX, I receive a notification in the mail of a {$9100.00} transfer of funds to a XXXX XXXX account that I had not made. Call the Fraud Office to report that fact. They tell me that they are going to investigate. 
On XX/XX/XXXX, they replied that the transfer had been made to cover an overdraft or had been deposited into an account in my name. I do not have overdraft accounts, and I do have an XXXXXXXX XXXX XXXX that does handle the XXXX but does not reflect deposits. The card has expired since XX/XX/XXXX. 
I resubmit a complaint for a new investigation, and they respond on XX/XX/XXXX that the transaction was carried out. 
I tell them that I want them to present me with documents that reflect that I carry out that financial transaction. They respond to me on XX/XX/XXXX, that they confirm that the transaction was carried out using a registered phone or tablet. In this email they send me a record of transactions made on XX/XX/XXXX, at two locations in XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. I have not been to those places ; I reside in XXXX XXXX and I have not travelled to those places.
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 CFPBSs findings indicate that Zelle has not only neglected to protect consumers but 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 or other personal consumer reports

FCRA 605B might require the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.