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

After thoroughly reviewing my XXXX credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXXXXXX : XXXX 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 : States a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c ( a ) ( 5 ) is a provision under the Fair Credit Reporting Act ( FCRA ) that specifies how long certain types of adverse information can be included on a consumer 's credit report. Here 's what it says : " ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Duty of Furnishers of Information 1 ) Prohibition ( A ) Reporting Information with Actual Knowledge of Errors 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.
Product: Mortgage

On XX/XX/2019 Wells Fargo sold my family home in an auction claiming that paper work was mortgage transfer was not submitted on time. I explained that o was handling everything out of state due to the fact that my family member was sick and XXXX so I was not in XXXX at the time during this process but I was communicating and in correspondence with everything they asked of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, particularly in light of the recent CFPD lawsuits highlighting significant issues with that platform. Disputing claims and transactions with my financial institution was pointless. I was informed that reimbursement is not poasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bankruptcy XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Credit card

I had a XXXX Rewards Credit Card issued by XXXX XXXX. I used the card for business travel between XXXX, XXXX and XXXX for XX/XX/XXXX. This card had no annual fee that I was aware of. I XXXX XX/XX/XXXX, and had no more use for the card. I did n't cancel the card right away because I had unused Rewards points on the card. XX/XX/XXXX, XXXX sent out a notice that they were changing credit card companies, from XXXX XXXX to Barclays. I took little note of it because I was not using the card and had no balance on the XXXX XXXX card. I received a new Barclay credit card in the mail but did not activate it. Around XX/XX/XXXX I received a XXXX balance statement from jetBlueCard. It showed interest rates charged, but I found no note of an annual fee. Around XX/XX/XXXX, I received a bill from XXXX for a {$40.00} annual fee. I wrote a certified letter to XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, advising that I have not activated the card and did not see any notice that the card carried an annual fee. I asked the company to rescind the fee, cancel the account and remove it from my credit report. I never got a response from the company. They continue to send me a bill for the annual fee of {$40.00}, and have now added interest and a late charge of {$27.00}. I did n't ask for this card ; It never activated this card ; hence, I never agreed to use it. XXXX XXXX has no right to simply send me a card, activate it, and begin billing me for possession of the card.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the fair credit reporting act ( FCRA ). Despite providing the correct documentation to prove these inaccuracies XXXX has not fulfilled its legal obligations, under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C.- 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the 30 day period ( 15 U.S.C.-1681i ( a ) ).
Product: Credit card

I have continuously had an issue each time I make a payment on my Synchrony Credit Card. I have made each payment on this card early as I wanted to ensure that I pay as little interest as possible on my purchase. Each time I have made the payment early, there has been some mishandling or reason given why I still receive a late fee, but I can usually call in and they waive the late fee because they see the payment was made EARLY on the account and they deem it a system error. On last month, I was told that Care Credit does not accept early payments and I needed to make the payment after the due date for the previous month which is the XXXX. So on XX/XX/XXXX, i made a payment for the XXXX bill. On XX/XX/XXXX, i received a payment reminder which prompted me to chat in with an agent to see why my XX/XX/XXXX payment had not been applied to the XXXX bill as i was told it would be since i made the payment after the XXXX due date and the XXXX bill was already paid in XXXX. I was then told that the bill can't be paid early or the payment will not count. WHAT SENSE DOES THAT MAKE? Then i was told that the payment had to be made AFTER the next cycle generates which is after the XXXX. Even though when i made a payment on XX/XX/XXXX for the XXXX XXXX, I was still told that the XXXX payment wasn't made because they were initially counting the XXXX payment for XXXX ... however I didn't have a bill in XXXX because I opened the account on XX/XX/XXXX. 

There is always some kind of deceptive and unclear fees and terms with this credit card. If the due date is the XXXX of each month, why is it that i have to wait until after the XXXX of the previous month to make the payment by the XXXX. That is not a full 30 day payment cycle. And i'm continuously being assessed a late fee even though i am paying the bill each month early or on time. 

on XX/XX/year> I was told by XXXX XXXX who was extremely helpful and thorough that my next payment is not due until XX/XX/XXXX because she adjusted my payment to reflect on the XXXX bill since I had made the payment after the XXXX due date to try to pay the XXXX bill early... only to be XXXX XX/XX/XXXX that i have a late fee and still have a payment due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 than 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.
Product: Debt collection

A couple of years back I was involved in a motor vehicle accident. I was found completely not at fault by the insurance agency of myself and the person who hit me. Due to the accident I needed to take an ambulance ride to the nearest hospital, and now it is stating that I owe the money in my credit report. I have the information from my lawyer stating it shouldve been paid to the ambulance company. Therefore, it should not be in my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 infeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable, and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I noticed that my monthly credit card statements from Chase Bank still print my full credit card number where as all other banks and businesses only print the last four or five digits to prevent identity fraud as required by the " Fair and Accurate Credit Transactions Act ''. 

I talked to Chase customer service, they told me they can not do anything because it has been Chase policy and assured me that my accounts are safe. 

I checked my statements from other banks. They truncate the number to last four or five digits. 

Please have Chase senior management revisit their policy because their practice goes against the spirit of the Fair and Accurate Credit Transactions Act and unnecessarily opens me up to Identity fraud. 

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

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

After the XXXX security breach, I have been attempting to place a security freeze with TransUnion ( I already froze with XXXX and XXXX ). I have used XXXX, ( XXXX ) XXXX, and freeze.transunion.com. 

Every attempt I have made ( XX/XX/XXXX @ XXXX, XX/XX/XXXX @ ~ XXXX, and now XX/XX/XXXX @ XXXX ), they take my information, tell me they are unable to retrieve my information and I need to talk to a representative. Their system then 'transfers ' me to a fast-busy signal, which then hangs up on me. 

I also attempted to use freeze.transunion.com. It said there was something wrong with my account, and I needed to call ( XXXX ) XXXX. When I did and went through the prompts, it hung up on me. 

I have recordings of each of these interactions.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

*Account Name : ** [ XXXX XXXX XXXXXXXX XXXX **Account Number : ** [ XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : I was a victim of identity theft and my information was compromised. If you look at my social on your report, it is incorrect. My social is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my XXXX XXXX XXXX report immediately! I've attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account capital is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does XXXX  keep posting old information and inaccurate information. 
My.XXXX  account is a settlement XXXX  balance. XXXX is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.
Product: Student loan

I have student loans on my report since XXXX. It says on all my student loan accounts on record until XX/XX/XXXX. They have been on my record for 10 years now so I want to know why are they still there? I paid off all my student loans so I have no more student loan debt. I filed a dispute and all they did was take OFF the on record until and they added a balance? There should be no balance because I settled everything and paid in full. I am trying so hard to get my credit score up and not sure why all these accounts are still on my record. Please help me.
Product: Debt collection

Noticed that on my credit report a third party company took over a debt for apartment complex I no longer live without any notice I don't have any knowledge of third party company and didn't give them the rights to report a debt that I never even verified to be on my credit reporting accounts
Product: Vehicle loan or lease

Each month I make additional payments on my boat loan. BMO, the bank, does not apply my additional payments correctly. They apply the additional monies to the principal and also future interest. Each month I receive a statement that says I have {$0.00} money due for that month. In fact, BMO tells me I do not owe a payment until XX/XX/year>. How is that possible? Each time I call, 4-5 times now, they never have a solution for my issue. The customer service representatives have no clue how the additional monies should be applied. The first time I called I did receive a call back and I did receive a survey via email. When I tried to call back I was in the customer service area that has representatives that are overseas and never understand how the payments are applied, nor do they have a solution for my issue. When I replied to the survey and expressed my displeasure, I never received another survey, nor a return phone call. I now have a case number, and was told I would receive a call back, but did not. That was a week ago. Nowhere on my statement does it state that I need to call customer service to make additional principal payments like the customer service reps state. The statement does not say send additional payments to a different address. This bank is a total scam.
Product: Mortgage

We closed on our home in Florida on XX/XX/year> ( SELLER ) TRUIST Bank filed a Insurance Policy on a closed HELOC on that property on XX/XX/year>. 

The house was sold and closed through the title agency and cleared to close. 

Truist charged XXXX to a HELOC that was closed and put an insurance policy on a home we dont own. 

We contacted Truist to have the refund and remove the policy on the home we sold, they wont remove, wont refund the money and will not send us any documents pertaining to the Insurance policy to forced on a closed HELOC after the title company closed the loan and cleared title.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX