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

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX CARD SER Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. 15 USC 1681i ( 4 ) client privacy information. Delete this item immediately XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these disputed items. It is my understanding that you are required to verify these items with the relevant creditor. Please proceed with removing any information that can not be verified by the creditor. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter.

Furthermore, I kindly request that you send an updated copy of my credit report to the aforementioned address. According to the law, there should be no charge for this updated report. Additionally, I ask that you notify any party who has received my credit report in the past six months of the corrections being made. 

Thank you for your attention and assistance regarding this matter.
Product: Mortgage

On three occasions I have made pre-payments marked as 'principle only, but on each occasion they have taken interest out to their benefit. In each case I need to spend 30 minutes on the phone to have the error corrected, and they claim there is nothing they can do about it. When I asked to speak with a supervisor, I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF ED/GSL/ATL // ACCOUNT NUMBER : XXXX is not accurately reporting my information to credit bureaus. Balances : {$2000.00} // {$9400.00} // {$5700.00} // {$6100.00} // {$570.00} DPT ED/AIDV // ACCOUNT NUMBER : XXXX is still reporting inaccurate information to ( XXXX ) Each Credit Bureau is inconsistent in how my information is being reported : On my EXPERIAN report / file, the account is showing Closed and in Collections On my TRANSUION report / file, the account is showing Closed with NO PAYMENT HAVE BEEN REPORTED ON THIS ACCOUNT BALANCE UPDATES are inaccurate : Experian is showing XX/XX/XXXX // XXXX is showing XX/XX/XXXX Payment history is showing Collections, Unavailable Data, and multiple inconsistencies. 


Also the CARES ACT of 2020 states that ALL STUDENT LOANS accounts are suppose to cease reporting to credit bureaus any information that will affect the borrowers.

My Credit report and Credit Score has been seriously affected by the STUDENT LOAN negative reporting. And my consumer rights were violated for unfair, inaccurate credit reporting. 

I have disputed report with the Credit Bureaus, but their response and updates are still inconsistent with each other even though they claim that the information being reported is sent from the same source.
Product: Credit reporting or other personal consumer reports

I sent my first letter on XXXX enclosing the following. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company.

15 USC Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC Code 1681i5 ( 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. 

I was receiving stall letters and tactics and followed up with another letter on XXXX enclosing. I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, My problem is with Paypal. I run a company here in XXXX and customers pay for products via Paypal. 

In XXXX I removed my old bank account so that I could replace it with a new bank account. 

Unfortunately, Paypal had locked all information changes which prevented me from changing anything on the account, including a new bank account. The old bank account wouldn't work either. 

Since then I have emailed them probably 30 times. Each time a robot comes back and says a typical we are sorry to hear your issue and tells me to try adding the bank account. Obviously this does not work. Eventually, it seems like a person comes to respond and says it is not possible to fix over the internet and you must contact Paypal by phone to fix the issue. But unfortunately, all phone lines are not working due to COVID. Perhaps wait a few days. Its been 7 months and have called all possible phone lines only to be hung up stating ... due to COVID 19 all phones are not available. 

My company is very reliant on these funds. Especially during our troubling times. Through this period of time, I have lost a lot of money due to the diminishing USD - NZD. 

I can not comprehend that they can get away with this. I have threatened court action and am now looking for a lawyer to contact them directly in the US. 

I just want my XXXX back so I can be done with this shoddy company. They have left their company to sail in the wind with major ramifications affecting their customers. 

I can not believe this company functioning as it is. 

What can I do??
Product: Credit card or prepaid card

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Here is the original complaint. No matter what I do it will not let me go back to it and add anything. 
We got another letter for them fill of more XXXX. This is outrageous. They are trying to charge us over {$400.00} in interest fees, late payments and more interest rates for an item that was paid off a month earlier!!!! Someone has to help us because this is XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  and WF CRD SVC. I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX and XXXX XXXX XXXX and WF CRD SVC with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a freeze lifted temporarily and to get a copy of my credit report from Equifax. When I tried to get the credit report online Equifax responded that I needed to mail my information. This was after I had followed all of the online steps. I also followed the steps to get my freeze lifted. After several weeks I received a code via postal mail that was supposed to work until XXXX. The code did not work. When I called the 888 phone line I worked through the phone tree and was told that I could get the credit report and help with my freeze. I ended up with a service representative that was not helpful. She questioned whether I even had received mail from Equifax to remove my freeze. 

This is in stark contrast to the service and results I have had with XXXX, XXXX, and XXXX. I received credit reports from these 3 and was able to remove the freeze easily and usually online. 

My latest failed attempt with Equifax was today and was 20-30 minutes of futility and frustation. I am left not knowing how to proceed to get my report and the freeze removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to mXXXX XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Im extremely concerned about the inaccuracies Ive found in how some accounts are being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX credit card and the student loan account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter dated XX/XX/2020 from Synchrony Bank. This letter states that, My request for credit for a credit program with JCPENNEY, was reviewed and denied because, Existing account with our credit program. 

It is true that I already have an existing account for many years. However, I did not make an application for an account. 

Upon calling for assistance, I was informed that my account had not activity on it. When I states that it seemed as if somebody had my information and used that information to submit a second application, I was told I would be transferred to another department. I was transferred, and then promptly hung up on. 

From my perspective, it seems that my information was fraudulently used to submit an application. Perhaps this is by somebody outside of the bank who has obtained my information, or possibly by a bank employee who is using existing customer information to submit applications and artificially boost their numbers ( like the XXXX XXXX scandal ). Either way, it is unacceptable to me that I have not been given an explanation for what spurred the letter I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove the inquiry from my credit file. 
XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported it as fraud and its still on my report I did it multiple times, I sent in police reports.
Product: Credit reporting or other personal consumer reports

I have sent a letter to the bureaus many times but I always receive an email from them saying that I am not the one to send the letter? why? no one else sent for me but myself. please delete these accounts and inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX terms of agreement was set XXXX, XXXX a XXXX month term was agreed for $ XXXXi realize once the agreement was paid in full XX/XX/XXXX with interest. i was being harassed to make more payments for terms i did not agree to. when i reconciled my bank statement i had in fact overpaid the company. the company called and said they changed management and did not have the original agreement to provide and i will be responsible. they refuse to find the original agreement and adding unauthorized activity and lengthening the term. 
XXXX cable unknown accounts placed in multiple collections. never had the service. 
XXXX reporting closed charged off student loans. they were charge off by Us Dep of Ed and keep appearing and being harassed for payment. illegal actions. 
XXXX XXXX reporting balance / unauthorized charges. i did not use the card once i paid it off. never been late. i have been deputing the reports and the account got closed wit a balance i did not authorize. 
closed account being reported current late and they were charged off. i had given evidence of fraud and im being ignored.
Product: Debt collection

I had my car financed through Wells Fargo Auto XXXX. I lost my job but had payment arrangements set up for XX/XX/XXXX. However, on XX/XX/XXXX, the car was repossessed even though I had one extension of payment left. I had never received a Right to Cure from Wells Fargo which is required by law in the state of South Carolina. 
That following Saturday, my father was contacted by an associate calling for the payment. When my father informed the agent that the car was already repossessed, the agent told him the car was not supposed to be repossessed. A week later, a Right to Cure was received giving me 20 days to make my payment to avoid repossession. No correspondence was sent to me regarding the car. I never received notice of my opportunity to reclaim the car or any information on the sale of the vehicle. Sometime back in XXXX, I received the title in the mail for a car I had never been given the opportunity to reclaim. 
On XX/XX/XXXX, I received a check in the mail for {$18.00} from Wells Fargo Auto. 
Today, my father and I both received a 1099-C for debt cancellation they claim occurred on XX/XX/XXXX. This entire ordeal is very upsetting for me. This is an effort to cause me more financial burden by creating taxable consequences for me. Thank you for any assistance or advice you can provide. I plan to seek legal advice on this matter if there are no resolution for me.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of the recent CFPB lawsuit highlights significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately. They informed me that recovering lost funds impossible and tracking these transactions were infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX : {$7500.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I started a balance transfer from Citicards to new XXXX XXXX card. Requested {$13000.00} to be transferred on XXXX XXXX electronic app. I called 4 days later asking status. 

XXXX XXXX made 2 requests-paid Citi XXXX and 4 days later XXXX for total of XXXX transferred over to new unused XXXX XXXX card . I dont have XXXX of debt in Citicards XXXX XXXX onlyso 1. Error making 2 payments for balance transfer ( only one authorized with me ) 2. Transferred someone elses debt to my account. 

Now, I am over limit on XXXX XXXX ( so interest being charged ), I was told by XXXX XXXX that Citi has to refund money for me to pay XXXX XXXX. Citi said refund would go to my checking account. Its all a lie. My credit card for Citi has been refunded. Now Citi shows I have a XXXX credit. How can I pay XXXX  when my credit card was refunded for the error. You cant pay a credit card wjth another credit card. 

I need Citicards to pay XXXX. And then for all interest and additional transfer fees to be refunded. And credit is down over XXXX points because of this error. I really need help! Thank you! Also, I did this balance transfer to take advantage of XXXX XXXX XXXX mos 0 % APR. and cant even take advantage of this bc double was transferred over.
Product: Checking or savings account

Well One of the Company is a bank Some how I recieved to accounts of checks with defen account Numbers and I never had an account with them. 

the other is someone in XXXX PA is useing My Name too!
Product: Credit reporting 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 XXXX XXXX
Product: Mortgage

We did a re-finance on our home mortgage with Bank of America since they held the original mortgage we felt it would be easier than going elsewhere. A woman, XXXX XXXX, in the closing department asked for our information as to when our mortgage payment was withdrawn from our XXXX XXXX checking account ( date of month ). We told her it was withdrawn on the XXXX  of the month. To interject ... there are no escrow monies involved since we do our escrows on our own. XXXX stated that there was enough time to notify the proper department not to withdraw our XX/XX/XXXX, 2019 mortgage payment since they would have the mortgage paid off before the due date. Our closing was XX/XX/, 2019. To our shock on XX/XX/, 2019 the old mortgage payment was withdrawn by Bank of America. We called the bank to have this fixed and spoke to a woman named XXXX and she issued request number XXXX. She told us that they were going to 'reverse the mortgage money by wire '. We waited the 48 hours as she instructed us to and then contacted the bank again.We spoke to a woman named XXXX on the XXXX and she told us that we would not be getting the money wired back. In fact, we would be getting a check in a few weeks. We told her this was unacceptable and she got us so upset that we waited until the next day to calm down to call back. We spoke to a gentleman named XXXX and he gave us a request number of XXXX. He told us the money would be in our checking account on Monday, XX/XX/XXXX. Since the money never showed up on the XXXX we contacted the bank again and spoke to a woman named XXXX. She stated that the only information she had was that we were not getting the check anytime soon. We then requested a manager or  supervisor. Eventually a man named XXXX XXXX got on the phone and again we had to explain this whole situation. He said he would get the check expedited that day. Needless to say this did not happen. We need to let you know that during this whole time we were in constant contact with the closing department practically begging for help and the people involved just kept either being rude, ignoring us, and turning the situation around to us. We left voice messages for supervisors and their supervisors and nobody contacted us back. Ms. XXXX even stated to us that she told us to have the money stopped being removed from the bank account. This never happened! How would we do that since the new mortgage monies were coming out of that account? If you do record your conversations, as is implied during phone calls, then someone will hear her asking us for the information so she could handle this. The people that we constantly contact were XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of them did anything to help. 
As of this moment we have not received our money.l We are in need of the {$710.00} to pay our bills. We are senior citizens on a fixed income. This is a horrible position to put us in. We need not to be late to pay the bills and do not want to ruin our credit scores that are over 800.