23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX  Balance {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX  Balance {$0.00}
Product: Credit reporting or other personal consumer reports

They told me to contact the credit bureaus about the information with the Inquiries. I told them thats the inquiries are fraudulent and unauthorized 3 : capital one inquiries XX/XX/2023 XX/XX/2023 XX/XX/20XXXX XXXX
Product: Debt collection

Repeated calls before XXXX or after XXXX. 

AFTER asking the company not to contact me until the debt has been verified. 

I have not received verification of the debt, but receive 1-2 calls per day still.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations. 

Inaccuracies : Date opened Credit Limit High Credit Last Reported Date Last Active Date of Last payment In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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

The account XXXX XXXX account number ending in XXXX was reinstatedon my Equifax credit profile on XX/XX/XXXX and has caused my credit score to drop XXXX points ( see picture below ). I disputed this account on XX/XX/XXXX and XXXX XXXX has not removed the account. The Equifax dispute confirmation number for XX/XX/XXXX is XXXX. 

I submitted a new dispute XX/XX/XXXX and that dispute number is XXXX XXXX XXXX account number ending in XXXX was first disputed XX/XX/XXXX and Equfax removed/deleted the account due tothe informationbeing inaccurate, incomplete and could not be verified. The updated XX/XX/XXXX Equifax credit report showed that the XXXX account number ending in XXXX was removed/deleted. 

Also I never receiveda mailed notice of reinsertion from Equifax within 5 business days of their reinsertion, as the day of the reinsertion was XX/XX/XXXX. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ). 

Please have Equifax abide by the CRA laws above and remove/delete the XXXX XXXX account number ending in XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was an account close that was created under my name by my tax preparer without my acknowledgment this account has been open from XXXX XXXX XXXX the bank has repeatedly said that they were going to send my money that was left in the account to me that did not happen they have sent it back to the IRS as of XX/XX/XXXX from my understanding when I spoke with the IRS they have repeatedly told me That the funds have not been returned XXXX XXXX XXXX has a written letter stating that the funds have been returned and the check has been cashed and the IRS has no indication no record of any check being returned
Product: Credit reporting, credit repair services, 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 602A states I have the right to privacy.

15 U.S.C 1681 section 602A section 2 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

I have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe someone is using my credit file. I've been unable to access my credit file nor my credit score. I've been experiencing this issue for quite some time now ( almost 8 months ). I've tried myself to contact all three credit bureaus and all have informed me that they can't access my file using the identity measures they have in place. I am very concerned and need this problem resolved immediately.
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 concern about consumer safety.
Product: Credit card or prepaid card

I went to buy a XXXX XXXX about a year and a half ago. They pitched me the Best Buy credit card. Said I can apply and I will have 12 months no interest. Okay perfect. They did not say if you have more than one purchase your payment will be spread among all of them. Making it impossible to pay of the first purchase. Also they did not tell me that at the end of the 12 months all the interest from the year will be put on the bill. I went from {$1000.00} balance to {$1600.00}.
Product: Checking or savings account

From the email I received today about my NEW checking business account, that I dont even remember the last 4 digits on the account, I have several questions : 1. Why these hackers have the last four digits of this new account?

2. How they were informed I opened a new checking business account with CHASE? It could be any other bank.

3. How this information was released?

4. Who else is having this PRIVATE information in your organization? 

I have been more than an hour on the phone, and none of your specialists know nothing. Just another waste of time. 

My personal information has been obtained from CHASE in the past, more than 300 times, Im not amazed about that, but this is a new company, a new name, a new checking account, I don't even remember the last four digits on the bank account, neither the EIN, but this hackers I already obtained from you. 

I DEMAND AN EXPLANATION. 

Look the bold and underlined information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX*********** Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX  XXXX Balance Owed : {$2900.00}
Product: Credit reporting or other personal consumer reports

I have had disputes with XXXX and XXXX. 
I explained I was hacked and identity fraud. Both companies documented it after I spoke to their Fraud investigators.
Product: Checking or savings account

I transferred {$380.00} from WellsFargo to XXXX XXXX  once on XX/XX/23 ONLINE TRANSFER TO XXXX XXXX AND XXXX  CHK XXXXXXXX XXXX XXXXXXXX REF # XXXX FOR TAXES {$380.00} However, I see 2 deposits of {$380.00} in XXXX Bank. Please recover {$380.00} from XXXX Bank. I didn't logon to my account until today after traveling out of state. I apologize for the delay in reporting the incident. Even though I have received email, I thought the notification was about the transfer I made once. 

{$380.00} WELLS FARGO XXXX XXXX Checking XXXX XX/XX/XXXX at XXXX Notes Attachments Add an attachment Bank description WELLS FARGO XXXX XXXX WELLS FARGO XXXX : XXXX XXXX XXXX XXXX ; with reference : ACH Trace ID XXXX Company entry description DDA TO XXXX ==================== {$380.00} WELLS FARGO XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX Notes Attachments Add an attachment Bank description WELLS FARGO XXXX ; WELLS FARGO XXXX : XXXX XXXX ; XXXX XXXX with reference : ACH Trace ID XXXX Company entry description DDA TO DDA
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all 3 consumer reporting agencies ( XXXX, Equifax and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. Equifax, XXXX and XXXX failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax, XXXX and XXXX failed to Investigate the first time according to federal law ( FCRA ). Equifax, XXXX and XXXX HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? XXXX KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. Equifax, XXXX and XXXX are committing XXXX and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that Equifax, XXXX and XXXX furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR CARTER YOUNG, INC FORMERLY COLLECTRON OF XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX, has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES XXXX COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO XXXX. I have asked these DEBT COLLECTORS CARTER YOUNG INC, FORMERLY COLLECTRON OF XXXX to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and I am feeling embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR CARTER YOUNG, INC FORMERLY COLLECTRON OF XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR CARTER YOUNG, INC. FORMERLY COLLECTRON OF XXXX, this is aiding and abetting fraud on the Consumer who is a natural person.
Product: Credit reporting or other personal consumer reports

I previously disputed a bankruptcy that is being reported on my 3 credit reports. I reached out to NC Bankruptcy court and they verified that they do not report to the credit bureaus. In a previous dispute, the credit bureaus lied and stated the courts verified the information as correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been sending numerous letters to equifax credit bureau. And each time they give me different things to do .. one representive gave me a fake name and said that it was protocol .Im fighting to remove fraudulent information from my credit and customer service personnel if basically giving me fraud information .. this is why I cant get anyone to help me. I will also seek legal counseling about this situation so it doesnt happen to anyone else.
Product: Money transfer, virtual currency, or money service

( 1 ) On XX/XX/2021, I had transferred {$3600.00} into my Binance.US account from a Binance.Com account. Binance.Com showed that the transaction was successful on its end but Binance.US showed it as a failed transaction and has refused to credit my account. Binance.Com has indicated that the currency is now with Binance.US. 

I have attached a screenshot from Binance.com that shows that the transaction was successful on their end and also the receipt from Binance.US that says the transaction failed. 

I immediately reported this to the company and all I have gotten all day is bot response. 

( 2 ) I also attempted to withdraw funds in my account about {$2900.00} and I was not allowed to as my withdrawal rights had been suspended. No explanation has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

in inquiry by the name of XXXX on XX/XX/2018 appeared on my XXXX credit report,, that i didn't authorized. i called and disputed it a let them know it was a fraudulent inquiry and once the investigation was done they mailed me the results saying the inquiry has been removed. i checked my credit report and it was still showing. i called them back and told them i was still on there they said they had to dispute it again. they did it again mailed me dispute papers saying it had been removed but i checked again and it is still showing.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX  1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Acct with XXXXXXXX XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$360.00}
Product: Credit reporting or other personal consumer reports

Please take action to block and delete the unauthorized accounts from my credit report as soon as possible. I did not authorize or create these accounts and do not recognize them. Under USC 1681g, I formally request their removal within 15 days. Supporting documents are included for your reference.
Product: Checking or savings account

A unauthorized wire transfer of {$8800.00} was taken out of my account no one confirmed it with me or sent me an approval code or anything and the bank is just telling me my money is just gone
Product: Mortgage

On XX/XX/XXXX, I sent an email to PennyMac after speaking on the phone with one of their representatives that I would be able to recast my hone loan with them. I received a written response from PennyMac once again advising the steps I needed to take to recast my loan. 
On XX/XX/2023 I wired {$170000.00} to PennyMac for the recast. The money was received the same day by PennyMac and they updated my online account to reflect " Principal Recast/Principal Reduction. '' I thought we were finished with the transaction and the recast was complete. 
On XX/XX/2023, I received an email through PennyMac 's secure Message Center that said that my loan was not eligible for Recast because my transfer " must align with the investor provisions. '' Not knowing what that was, I called PennyMac 's Customer Service line asking why they told me I could recast my loan both over the phone and in writing and then once they had my money, they told me I couldn't. '' No one could give me a straight answer over the phone but advised that they would escalate the return of my money. I told them I wanted my funds wired back to me immediately, as they were making money off of my funds by holding onto them. The phone agent agreed. I hung up with them but have still not received the wire of my funds back. I have called and requested to speak with supervisors and am constantly denied access to speak with one without waiting on the line for hours. PennyMac is illegally holding onto my life 's savings and are doing nothing to expedite their return to me after providing me with false information regarding my recast.
Product: Checking or savings account

I utilized Etrade/Morgan Stanley Bank account to redeem a set of Series I savings bonds from the Treasurydirect.gov. Funds credited to account and then the account was frozen. I called to inquire as to why, and they asked to verify deposits. I provided them with emails I received from treasurydirect.gov as well as screenshots showing detailed account information and redemption info matching the deposits. 

The Etrade/Morgan Stanley representative then asked for statements. I explained that these are Savings Bonds and there are no monthly statements available. They have my money frozen which I am trying to withdraw for my pending closing/home purchase coming up on XX/XX/XXXX. Please help! They are intransigent and this is theft of my money.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives, I am submitting a formal complaint against XXXX XXXX XXXX, as well as the credit reporting agencies XXXX and TransUnion, for violations of the Fair Credit Reporting Act ( FCRA ) regarding the handling of my closed account. 

Issue Details : My XXXX XXXXXXXX XXXX account was closed and charged off in XX/XX/year>. 
However, my credit report with XXXX and TransUnion continues to show that this account is being updated monthly as if it were a new delinquency. 
This practice, known as re-aging, is illegal under the FCRA because it artificially resets the delinquency date and unfairly extends its negative impact on my credit history.