23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I recently took extensive efforts to clean up my credit report in the intent of needing to apply for a loan to build a home. I used my free annual credit check. I recently received free credit monitoring provide by the XXXX as my name was involved in the XXXX XXXX. I had a XXXX Credit Card issued by Citibank, Acct XXXX. My credit was sold and transferred to XXXX, XXXX XXXX XXXX XXXX, several months ago. Both XXXX and XXXX both showed I had XXXX accounts open Citibank and XXXX. The transferred account was never closed or transfered. Although not of significant impact to my FICO, it was counter productive to all the work I just did to get my report correct. I did not participate in the negotiations involved in change banks to support my borrowing/credit needs however the consumer should not be impacted negatively when XXXX banks get together and your information/business is sold. The CFPB should actively monitor who should have done what to whom in this case so consumers are not negatively impacted by financial transactions when their information is sold and when the consumer is not personally involved in the transfer. Who is accountable to make sure all three reporting agencies are aware the credit was transferred??? It is too scary that this activity can occur without repercussions or analysis on the frequency of occurrence. All XXXX would say is that you have to fix this. They are " XXXX party '' in this transaction. Actually I am XXXX party in the deal to buy my credit! Why are financial institutions not accountable for not reporting the transaction??? This same thing just occurred when my mortgage was sold. This latency issue has significantly affected my credit score. It has been three months since the transfer of my mortgage and XXXX still shows I have XXXX mortgages on my home, XXXX with XXXX and another on with XXXX. Who should be accountable???
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/2022 : Account Name : XXXX XXXX  Date of Inquiry : XX/XX/2022 :
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit score has dropped over 100 points in the last 2 months. I couldn't find any missed payments on my credit reports so I looked into the experian account that was showing the worst drop. 

I found that I was showing balances on my experian boost accounts. 

I called to report that I had balances showing on my experian boost accounts. I told them that all of the accounts showed as paid never late but they were still counting against me. When I asked how to fix it they said the only way was to contact my bank. 

If your system says I am paid/never late why do I need to contact anyone? How can you show a balance from 6 months ago and at the same time say haven't missed a payment? 
No one could explain this to me so I asked what to do to fix it and was told to remove the accounts. 

So, following the advice from the representative I removed the accounts and my score DROPPED EVEN MORE!! I have been hung up on and been put on eternal hold throughout this process. The is no way to make a complaint to experian so I came here. 

My credit has been ruined because of experian boost,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.
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 discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was not possible and that tracking them was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumer but have also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises dire concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX
Product: Debt collection

I have enlisted the help of XXXX XXXX XXXX XXXX to help resolve credit card debt. I have sent letters to close my accounts and contact information to XXXX XXXX XXXX with any questions. I received XXXX calls on XXXX XXXX, 2015 from GE Capital numbers were XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2019 My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

On XX/XX/XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX XXXX made a fraudulent inquiry on my credit report.
Product: Checking or savings account

The Bank I Bank with charge me overdraft fees for transactions that was made due to at the moment funds not available due to my bank holding the funds not releasing it upon availability. Even their own online banking system shows there's no overdraft funds made and they charged the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2020, I received a notice in the mail from Professional Service Bureau. I sent, by Certified Mail, a request for this debt collector to send me proof of the debt. The did not send this proof to me, but continued to try and collect the debt, by sending me a second letter for the debt. According to Federal law, when they received this first notice from my by Certified Mail, they should have ceased all collections for this debt until they provided and proved the debt was mine, in accordance with Federal law.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name :XX/XX/XXXXAccount Number : XXXX Amount : {$0.00} Date of Account : XX/XX/year>
Product: Debt collection

I told the person to stop calling me, that I wasn't the person they were looking for. They continue to call from different numbers. I've tried to block the calls but they still continue to call.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and history that I have been trying to resolve for years, nobody listens to me, somebody used my information to obtain these credits, and yes it was my mistake not to look after my credit report for a very long time, but I want to take care of it finally. I have these accounts on my XXXX credit report that HAVE NEVER belonged to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Just tonight I got an alert on my phone and two different management companies about having a big change in drop of my credit score so I looked it up and it said that I am extremely delinquent on a XXXX XXXX account that I shut down myself because I had to move off grid because of Covid and they told me they would pick up the equipment and that was that now months later it shows that I have XXXX balance and that there is collections agency on top of this now and I had a perfect record of payment everything was an auto pay I wouldve paid for this theres nothing to pay for though because the equipment was returned I checked my account when I was able to get electricity again months later and it said there was XXXX balance and so tonight I talk to XXXX and they said that they cant do anything and I asked if they would send a letter or I dont know I just pressed for something and then they said theres no record of them even sending my anything to a collections agency so I have not yet attempted to contact the collection agency I thought I should go to XXXX  first because you know what Id rather not have all these negative things on my credit report thats what I wan na repair I just got it repaired after having XXXX and having it be destroyed and I do not know about this if I knew about this I wouldve taken care of it Im not happy about it and I dont want to pay but if it is about money then if they can take off the strikes against my credit report I would pay but I think thats wrong I shouldnt think that or even offer that because the fact is that they got their equipment and didnt put it in their system as such or they did and I dont really know whats going on but I was reporting here because the collections agency which I only found out about From XXXX in to various thinking assistant apps that showed me the name of this XXXX  XXXX company a & I searched XXXX before Actually complaining hereand there was 42 results And I read all of them and any of them that had anything to do with XXXX and that XXXX  XXXX seem to be able to stand still and again this is the first Ive notified of it because it got to my credit score and I need that to be taken off and I will do whatever I can but I think I need assistance and its because of Covid theres a lot of reasons I know I should be asleep now because I have to do something with my family and yeah at least it shows I have no balance my account shouldve been closeout but I can still login but it doesnt say I went to collections it looks as if everything was fine Im really frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to updated my XXXX wireless account. Month after Month they continue to mark my account as " settlement '', not paid in full and FP  ( failure to pay ). This is, despite being directly notified by XXXX themselves. Please see the attached letter from XXXX. 

I find it mind boggling that as a working person I would need to go to this extreme level in order to get information corrected on my credit report. It isn't the first time with Transunion. What will it take for them to change their ways?
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Product: Mortgage

I believe that I was discriminated against regarding the original Mortgage with Countrywide, in 2004, with a higher interest rate, due to my race. Subsequently, my home was sold to Bank of America and then later to XXXX XXXX, in which I loss half of my income during the pandemic and sought out help with an organization and when I received the help... the bank ( XXXX XXXX  ) did not provide me with additional time in order to get the payment to them in order to keep my home.
Product: Debt collection

I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. 
I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. 
CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus September 06, 2022 to resolve these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that aren't mine. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom debt relief has been charging us for over a year now for services that was not explained
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX on behalf of the Bureaus Investment Group Portfolio No 15 LLC. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from XXXX XXXX for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the XXXX number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one vilated te fCRA by adding a removed item back to XXXX and XXXX   B/c my Data breach Was caused by the FTC violation that XXXX destroy the american economy by hiring people that dont even know how to read a credit report Law saids that you must noitfy me b/c items are put back in 5-10 Business days. XXXX  and Capital one should really consider hiring people that know their job. Then this issue might not be an issue but you get what you pay for
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVE ANY FILE BACK AFTER 30 DAYS.