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

I am writing to express my concerns regarding Zelles handling of disputes particularly in light of the recent CfPB lawsuit highlighting issues with the platform. Despite using Zelle many times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering my funds or tracking the transactions was impossible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lact of accountability is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. I have two active insurances for which I pay huge amounts as premium. The so-called Collection Agency named XXXX XXXX has been threatening and intimidating and this was reported to CFPB. My insurance company sent the proof that the original creditor ( an ambulance company named XXXX XXXX XXXX  ) was paid for their service. XXXX was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. XXXX is colluding with the collection agency and XXXX action is unlawful. The collection agency repeatedly lied to CFPB on multiple occasions. 2 times I filed dispute through XXXX website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts. The proof is again attached and Collection Agency is still attempting to threaten by keeping Negative false information on my Credit Reports.
Product: Credit reporting or other personal consumer reports

Extra bank or debit/credit co , started reporting negatively to my account when I noticed they were already reporting for a few months missed payments. I was a victim of identity theft and did not grant permission to 1 report to my consumer report or grant permission to use my ssn and first and last name. I have contacted them on a calculus of occasions and have sent in a litany of correspondence to no avail. I have a consumers report an ftc report as well as affidavit to affirm my truths. Even as well as reached out to cars as they have verified the account even tho my address is incorrect and I have provided affidavit sent to company with tracking numbers in which they had 30 days to respond or removed the negative reports but still have not. I have also pulled a report from the Secretary of State in regards to any debt owed to anyone by myself registered with the state or liens. Which further confirms I have no obligations to pay anyone
Product: Credit card

Person that I knew went to a XXXX  for XXXX  bill needed to get XXXX  for XXXX  and paid for XXXX  on another card, They requested to pay the billing department any balance and did pay them on their on credit card. The amountof {$6000.00} was charged to my account an American Express card Got a letter XX/XX/XXXX but has not been resolved I never signed or saw statement it was not my debt and needs to be reversed. I have been with American express 41 years this should be reversed on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX that I had until XX/XX/XXXX to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/XXXX causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX  XXXX car insurance and XXXX was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/XXXX to XXXX  XXXX. I informed them with proof from The XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/XXXX and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/XXXX and received Monday XX/XX/XXXX. But every time I call XXXX they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning XXXX tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see my previous complaint regarding Santander reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from XXXX that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.
Product: Credit card

there was a fraudulently capital on card on my account when trying to check credit score on XXXX XXXX I have called authorities and provided ftc report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is provided on my attached ID and this complaint. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current addresses is also on my attached license. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is on my attached license. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any telephone number and I do NOT desire any other telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported
Product: Credit card

I have several credit cards with Synchrony Bank and they recently restricted my accounts. This restriction denies me online access to my accounts. This is a problem because all of my accounts are signed up for autopay and I am to able to make any changes to this during this time.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a check in the mail for XXXX dollars with a XXXX dollar per month payoff amount for 800 dollars roughly. I called them to give them my credit card so I can start paying back the loan and they would n't take it with out me first telling them my employer. I already got the check without giving my personal information and now they want my employer. Well I 'll make payments. But they are not getting who I work for. Please help in this regard. I do n't like people talking to my employer and I think they are just out to harrass me when I am already willing to pay it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX Both companies agreed to remove off of credit and it remains.
Product: Checking or savings account

Opened a checking account on XX/XX/2020 through TCF Bank online. XX/XX/2020 I deposited a cashiers check for {$14000.00} at my local TCF branch. The branch manager also opened a savings account and transferred {$100.00} from check into new savings account and provided me with a atm/debit card. I was told my check would have a 2 day hold placed on it. On XX/XX/2020 I sent email via tcf mobile banking app to inquire when my funds would be available and received a responded shortly after on sat XX/XX/XXXX. That Sunday the XXXX  I attempted to use debit card and it was declined. After multiple attempts to call customer service and ask what is going on I received an email via app banking status g my account was closed. Between tcf customer service and branch manager I have only been told my account was closed on the XXXX. I have received email and mail regarding my account or memebership still after the XXXX. I was not told why my account was closed nor have I received my funds of a total of {$13000.00} and have not been told how long until I receive them or when they will be mailed out by tcf. I have copies of email communication between myself and TCF, deposit slip, etc ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit. Bought car XX/XX/2019. First payment was due with an election date of 45 days on XX/XX/2019. I paid the payment on XX/XX/2019. The accounts show up to date but both credit bureaus said my first payment was XX/XX/2019 so they marked that as my first payment and said I DID NOT PAY XXXX. THERE WAS NO PAYMENT DUE FOR XX/XX/2019!!!! I just paid my SECOND PAYMENT TODAY ON LINE WHICH WAS FOR XX/XX/2019!! 
I need this corrected. This ONE MARK SHOWS ME DELIQUENT! I am trying to refinance my house! I have written Ford and XXXX!!!!
Product: Credit reporting or other personal consumer reports

I have submitted two disputes to Experian to have my account updated with the correct status and delinquency for XX/XX/year> removed for XXXX XXXX XXXX. The creditor has agreed to remove this as well and provided a letter of the removal which I have attached. After two disputes with Experian, they are not removing the delinquency per creditor.
Product: Vehicle loan or lease

I received an auto loan for a used XXXX XXXX from a car lot in 2020. Ive been notified Wells Fargo ( whom my loan was with ), were charging extra in interest rates during this time.
Product: Student loan

In XX/XX/XXXX I graduated with a XXXX  from the XXXX XXXX XXXX XXXX. 
In the four years I was there, I borrowed {$16000.00}. 
I worked for 8 years and started paying back my loans in XX/XX/XXXX when I finally got a full time job at my XXXX. 
In XX/XX/XXXX, I was advised to consolidate my loans. They were consolidated for {$20000.00}.

I was in repayment from XX/XX/XXXX-XX/XX/XXXX before I entered XXXX school. 
During my time in XXXX school ( XXXX  XXXX University ), I took out another {$11000.00} in loans. 
Total I borrowed from XXXX and XXXX school : {$27000.00} In XX/XX/XXXX I started a series of forbearance and deferrals due to my economic situation : starting my own business with no money in XXXX XXXX. 
In XX/XX/XXXX, I defaulted and was forced into consolidation. 
The {$11000.00} was consolidated for {$25000.00} due to interest gained. 
This time when I consolidated, my interest rate went from about 3.5 to 6.25, nearly 200 %. 
After 7 years of struggling, I defaulted on my student loans for a second time for not filling out the right paperwork. I was told to consolidate them again. 
In XX/XX/XXXX, I consolidated all my loans, and somehow {$46000.00} of consolidated loans turned into {$85000.00}. 
Now, Im not sure what happened but they went up to around {$90000.00} when we started paying them in XX/XX/XXXX, and currently I still owe {$88.00}, XXXX In addition, I was never told of the Income Based Repayment option. Not once was I given the right advice. They do this on purpose to rack up as much debt as possible so they make as much money as possible. They should be sued for predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX   COLLECTOR ENHANCED RECOVERY COMPANY HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS ERC ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached XXXX letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about XXXX times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to deal with this issue constantly. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On Wed, XX/XX/year>2024 at XXXX XXXX XXXX XXXX wrote : I have been dealing with the same account, which has continually changed account numbers. This situation feels fraudulent, and I suspect I will receive another letter with a new account number soon. The account is listed as closed and has a negative status, but the account and balance do not belong to me. 

These are letters, not screenshots, and I appreciate you taking the time to look at this. It is very upsetting, and I can not believe how poorly it has been handled. 

I have attached XXXX letters I received in XXXX regarding the account ending in XXXX, which you show reflected on my credit file. This account has changed about XXXX times due to fraudulent activity, and the issue persists. XXXX is handling this poorly, as is REquifaxthey are the only credit bureau not addressing this properly. 

It is unfair for victims to constantly deal with this issue. I have also attached letters of removal from XXXX regarding the account ending in XXXX. Again, this account and balance do not belong to me. Thank you. 

On Wed, XX/XX/scrub> 2024 at XXXX XXXX XXXX wrote : Dear XXXX XXXX, Please be advised in the screenshots you've sent, you indicated the fraudulent XXXX accounts end in XXXX and XXXX. Please be advised those accounts are not reporting on your Equifax credit file. 



Thank you for contacting Equifax, Respectfully, Equifax XXXX XXXX XXXX ref :! XXXX.! XXXX : ref
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to NY CHILD SUPPORT ENFC, XXXXXXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated 03/12/25 ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute the negative items listed on my credit report. Upon reviewing my report, I have identified several inaccurate and misleading pieces of information that have contributed to my low credit score. I request that you investigate and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report immediately. 

XXXX  Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report. 

XXXX XXXX  XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ).

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report.

The following personal information is incorrect : Account Number : STUDENT - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report.

The following personal information is incorrect : Account Number : XXXXXXXX XXXX- Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so.

I expect your prompt response and investigation of these matters, in accordance with FCRA Section 611 ( a ) ( 2 ).

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Transunion is reporting an incorrect account on my credit report, and it putting an halt on me obtaining certain employment. The alleged debt does n't belong to me, and since Transunion is reporting it, it continues to make my life difficult.