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

This is clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX  and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX  fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable under the Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are violating my rights you do not get to keep taking 60 days to investigate incorrectly 2-3 times in a year. You don't get to accuse me of using credit repair when I am not. The court clearly confirmed the info you have is inaccurate so there is no way you could have verified it as accurate.

I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings.

The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.
Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.
Product: Debt collection

National Credit Systems sent me a letter in XX/XX/2023 stating that I owed XXXX XXXX XXXX XXXX. I contacted the agency to dispute the charges and was told that I would receive an email on instructions to provide documentation. I received the email two weeks later and the agency reported the debt to the credit bureaus although I was disputing. I have provided documentation to show that the debt is invalid and they still have not notified the credit bureaus that I am disputing the debt or removed it.
Product: Credit card

XXXX XXXX XXXX did not provide me with the services as described. I paid {$2300.00} to them with my Discover card and therefore opened a dispute with Discover. As we could not come to in agreement about if the services were provided or not, Discover told me ( and this is in my dispute notes at their company ) that if I get documentation from XXXX XXXX XXXX stating that they issued a refund, with this documentation stating the date of the refund, the amount of the refund and the last four digits of my card, they would rule in my favor. I was able to get the documentation from the company and sent it to Discover. Now Discover is saying they wont issue the refund since services were provided. Attached is the email the company sent me with everything discover asked for that I sent to them and my dispute was still rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account show multiple lates .... I have never been late! 
Please see the attached files!
Product: Credit reporting, credit repair services, or other personal consumer reports

-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( a ) In general. -- Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : -- ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, phone numbers, names are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following name, address, phone number and employer is correct and should be reported : -- XXXX XXXX XXXX 
-- XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
-- ( XXXX ) XXXX -- XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX Equifax and XXXX about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Convergent Outsourcing , Inc. stating that they were reporting a negative account on my report. I received a response form them saying they validated the account but they only sent me a bill and did not send me any information that I requested showing that the account is indeed validated which resulted in an improper investigation. 

I sent another certified letter on XX/XX/XXXX asking for proof of this account that this account belongs to me. They never responded with anything that I asked in fact they never responded at all and it has been well over 30 days. 

Please see below copies of letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX-XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX-Balance {$0.00} XXXX  XXXX-XXXX-Balance {$310.00} XXXX  XXXX-XXXX-Balance {$5000.00} XXXX-XXXX-Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Its outrageous that accounts in litigation are still on my credit report, damaging my credit score due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.
Product: Debt collection

XX/XX/XXXX there was {$880.00} charge on my credit report that I believe is fraudulent! I have reached out to AR RESOURCES multiple times via phone & email, without having anyone return them. I even called the original debt collector and they have no information on me. I have disputed this fraudulent charge on XXXX as well as XXXX. I have not been able to reach anyone from AR Resources to resolve this fraudulent charge. I have emailed and left phone messages asking for PROFF OF OBLIGATION, with no response. I have given them every email, work and personal phone numbers to reach me. No reply on over the years. The most recent dispute was done on XX/XX/XXXX and still am waiting for the response. I have reached out to XXXX XXXX as the person in charge of AR Resources via phone and email.
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  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my inquiries, i never applied for this companies.
Product: Checking or savings account

Created an account via online systems ( dates not important, but occurred ~end of XX/XX/XXXX). 

Provided all information, identifying numbers ( dl #, etc ), and account was successfully opened. 

Since then, their fraud department has been contacting me via unsecured methods to request a copy of my Id - what seemed to be an obvious phishing attempt was actually their fraud department. 
They also claim to be unable to send the request via their online banking secure messaging. 

I've confirmed that these are actually valid requests through separate channels ( website chat, main banking contact numbers ), and not a phishing attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent a statement to Experian Credit that I had a contract for an account with them in XX/XX/XXXX. I have never made such an account. I wrote Experian to inform them of this, request investigation and removal. After 5 days Experian wrote back saying they performed the investigation and found it to be accurate and stated it would remain until XX/XX/XXXX. They did not send any of the documents to prove I made such an account so I could further investigate. It only takes all other seconds to establish a bad mark on a persons account but it takes minimum of three months to get false information removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the 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 CFPBs 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 concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$55.00}
Product: Checking or savings account

On XX/XX/19, XXXX, company is giving me the run around
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 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, 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 account without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Experian, Equifax, and Transunion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, PayPal has closed our business account, With a factually proven invalid and completely unfair reason. 

We have been using PayPal for our XXXX XXXX since XXXX, as of XXXX XX/XX/XXXX they closed our XXXX accounts. 

This resulted in a huge loss of revenue and the damages are adding up each day. 

We have been reaching out to PayPal every day since XXXX XXXX and have yet to receive an update on our case. 

XXXX XXXX XXXX ( XXXX ) has been ignoring all incoming emails and hasn't given any reply yet. 

Also the XXXX has been contacted. 


There is sufficient data that the claims that PayPal makes are completely invalid, But they are not looked at. There is 3 years worth of transaction data.
Product: Debt collection

I have been receiving calls from a company called XXXX XXXX stating that I owe a credit card balance with XXXX XXXX XXXX   credit card. Their number is XXXX. To my knowledge, I have never had an XXXX card or a XXXX XXXX credit card. This is not reported anywhere on my 3 credit bureau reports. I returned the call and the person seems to have my social security number, address, name and date of birth. They threatened to serve me with a lawsuit and legal documents if I do not settle an account. They never gave me the amount owed just wanting payment information. The individual escalated his voice and used threatening and derogatory language over the phone and when I attempted to respond, he began to speak over me. I finally had to end the call without giving out any information. They continue to leave me harassing phone messages. Is there any further action or recourse I can take at this time? 

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

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I applied for the SAVE repayment plan on XXXX XXXX XXXX right after the new application was released. I was under the IBR repayment plan and, according to the application, I would need to make a one month reduced forbearance payment of {$5.00}. After some research, I found out that when changing payment plans from the IBR plan, interest is capitalized and you are required to make a standard payment when switching from IBR to another IDR plan. The SAVE plan created this reduced forbearance payment to help with the switch. I completed the application and selected to pay the {$5.00} reduced forbearance payment. Over two months passed and studentaid.gov showed that my application had been processed but my account was not updated on my loan servicer Aidvantage account. I called AidVantage several times in XXXX and was told there were different issues each time. The first being that I needed to recertify my income even though I provided authority to allow the servicer to obtain that information directly from the IRS in the SAVE application. I recertified online and with each rep I spoke with but their records still show that I have not recertified my income. Then a rep told me I needed to apply for forbearance and pay {$50.00}. I explained to the rep that this was not the case and that the application only said {$5.00} but they required me to pay {$50.00} so I did. Then I got a denial for forbearance. I called back and the new rep said that was a different type of forbearance and that I only needed to pay {$5.00} and that they were processing my application and to check back in a couple of weeks. I called back again and was told my application was approved and that my first payment would be in XXXX  as I had the 1 month reduced forbearance. However, in XXXX Aidvantage processed my new monthly payment causing me hardship because I had not budgeted for the payment in XXXX  due to the forbearance I was told I would be in. I called to complain and escalated to a supervisor who told me to stop the payment with my bank and was extremely rude and unhelpful. Additionally, my interest was never capitalized and my loan balance increased after the payment because my payment did not cover the interest despite the fact that the SAVE plan specifically states this would not happen. When I call during business hours to try to figure out why they did not capitalize the interest when I went into the SAVE plan and why my balance is increasing, they do not answer the phone, I am sent to a voicemail and they fail to return my calls.
Product: Credit card or prepaid card

I received a Vanilla gift card at my baby shower XX/XX/XXXX. The value of the card showed {$100.00}. I registered the card online on XX/XX/XXXX so that I could use it for purchases. However, when I checked the balance online, it said {$1.00}. The card 's packaging was not opened until I registered it, so I couldn't understand why it only has {$1.00} remaining. I called the Vanilla gift card customer service number that morning and was told I would have to provide my personal information in order to open an investigation, and that it would take 90 days for a resolution. I did not feel comfortable providing my personal information over the phone ( the only option given ), told the customer service person this and ended the call. After researching online, there have been similar situations with this particular gift card brand for some time. An article I read from a paper in XXXX, Texas referred those who'd experienced something similar to report it to the state 's consumer affairs department. I called and left a message with the Florida State Attorney 's office. I was contacted by the State Attorney 's office on XX/XX/XXXX and officially filed a complaint. I was then told to also file a complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau. That is why I am filing my complaint here.
Product: Vehicle loan or lease

On XX/XX/2023 Ally financial contacted a family member after being told to only contact a certain number. 
They disclosed the debt amount and also got a payment from mentioned family member of the amount XXXX XXXX
Product: Checking or savings account

I stayed at the XXXX XXXX XXXX XXXX XXXX on an extended stay with a charge of {$120.00} per night from XX/XX/XXXX through XX/XX/XXXX. 

Over the course of this time, more than {$6000.00} in unauthorized charges were assessed onto my debit card by XXXX XXXX, XXXX XXXX XXXX. Most recently, I used my XXXX XXXX points to stay the last 10 - 12 days. XXXX XXXX, received over {$400.00} per night from my points and I was guaranteed a {$0.00} balance due for these days. However, I learned that after we checked out again without authorization or a balance due of any kind he drained my bank account of all but {$210.00}. Today, my balance is {$0.00}. He charged in total for the entire stay, over {$50000.00}, of which at least {$6000.00} was unauthorized. 

I have reported this to my bank and have also copied my bank on my email to XXXX XXXX asking for him to immediately reverse the most recent charge, which happened after my XX/XX/XXXX checkout. 

He has not responded.