23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Im writing to share my serious concerns about Zelles handling of disputes. Ive used Zelle a lot and reported some issues, but my financial institution and Zelle didnt really look into my claims. They said it was impossible to get my money back and that it was impossible to track these transactions. The CFPBs findings show that Zelle didnt protect consumers and even let people who do this again keep doing it. This is not okay and it makes me worried about how safe it is for me to use Zelle.
Product: Credit card

I have been sued by Bank of America for XXXX credit cards that I could no longer pay due to XXXX permanent XXXX incurred during the course of the credit cards being open. The amount I am being sued for is more than the balance owed on the account. I disputed this via the XXXX credit reporting agencies, and shortly thereafter, they served me with papers for Judgement via the XXXX XXXX, XXXX XXXXXXXX XXXX, Civil division. The cards have all been " CHARGED OFF '' AND " WRITTEN OFF '' for their own illegal gain in taxes from the Federal Government and the IRS.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX on XX/XX/XXXX with a balance of {$4000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX. There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX 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: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX I file for a refund through cashapp they never give me the money or refund it was about XXXX $ worth of money
Product: Credit card

I had america exptress card open for 10 years it was for free annual fee but this XX/XX/XXXX they start charging annual fee with out my agreement i called them ask to close the account before the due date of the annual fee but they canceled the account and continue charging the annual fee service for year XXXX then y call again to asking to waving that charge because the account is closed but they decline now I receiving late fees and annual service fee for service could no use anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to paperwork I received from a neighbor ( The mailing address was wrong, so it didn't come directly to me, and we have many new mail carriers who are unfamiliar with our neighborhood, so I'm guessing they didn't recognize my name ), my job requested a motor vehicle background check on XX/XX/2019 after working for them for over 5 years. Sterling XXXX XXXX is the company who did the background check and provided a report to the HR department of the company I work for. I did not sign any documents giving permission for a background check to be done, so this was done without my consent and then provided to my employer, who sent a letter this week, saying they are terminating my employment for a speeding ticket from almost 2 years ago. I need help addressing this matter where illegal action was taken in regards to my personal information, then provided to my employer, resulting in termination. Exact words are, " Based on this information received from Sterling XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, telephone ( XXXX ) XXXX, we have decided to revoke your conditional offer of employment. '' Can you please help me get this resolved? 
With Gratitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I purchased my car XXXX months later my motor blew in my car. I asked that they come get the car because its just sitting and my missed payments are going up. I told them the car went out in XXXX months no way this car was in good conditions.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX. HAS VIOLATED MY RIGHT. 
12 U.S.C 1681 SECTION 602A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 604 A SECTION 2 : IT ALSO STATE A CONSUMER
Product: Debt collection

The company LNVN Collection brought the debts. The XXXX XXXX has written off the debt. They put it on all three credit report. There never had the original paperwork and all never of my original payment ever.
Product: Mortgage

On XX/XX/2020, I contacted the payoff department to request a payoff statement. Within that email I stated that the reason for the request for was for sale of property. 

I then received a email from XXXX XXXX ( payoff dept ) on XX/XX/XXXX, stating the reason again for the payoff. I responded with that I needed a payoff for 30 days because at that point I didn't know the closing date. 

On XX/XX/XXXX, payoff was received and everything looked corrected. 

On XX/XX/XXXX, I sent another email to the payoff department requesting a updated payoff, since at this point I actual had a closing date. Within that email I stated the closing date and closing time. 

On XX/XX/XXXX I received the updated payoff. I reviewed the payoff, and notice a {$750.00} attorney fee. Which was never on the first payoff that was provided. I reply back to the payoff department and instructed them to remove the fee since I had no knowledge of the fee. 
At this point, another individual responded back and stated it was for the foreclosure process and that the lender had no knowledge of what was going on. 

I then responded with I wasn't 60 days past due to proceed with a foreclosure process and that I had never been given attorney documents for such a fee. 
I also let them know that I did make them aware of what was going on with the property. 
I asked them again to remove fee and that is when they stated the fee would stay on the payoff statement. 

I was a former employer, so I feel that they added the fee as vengeance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all   XXXX   credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Bank of America Closed my checking and savings account, along with my children 's minor accounts with no explanation, I called to inquire about the closure and they stated it was an " executive decision, they refunded my children their funds in the form of a check a couple of months later. I had balance on my account of but I never received a refund, only them reporting I " owed '' a " unpaid '' balance of XXXX which I did not find out until much later, this caused such a inconvience as I had my main monthly income directly deposited into said account. 

months later I went on to open an account with XXXX XXXX with no issues, along with my children I had no idea what was being reported on XXXX, until I was in the market for a vehicle. I was approved for a XXXX auto loan through a Credit Union but was not able to move foward with the loan process, because I was made aware of what was being reporting on XXXX  by Bank of America, They reported " My account was close due to " fraud ''. I was livid! knowing full in well I commited no fraud, I went into a Bank of America Branch to speak with a Branch manager, as I called BOA fraud department on my phone. 
I was on the phone for a total of 4 hours with still no explanation of what fraud was commited and why they had that listed on " XXXX  '' ( the consumer reporting agency that All bank use to screen applicants that want to opening any type of Checking or Savings accounts ) or how it could be resolved, the Branch manager was helpful but could'nt tell me anything more than what the rep on the phone was saying I disputed this with XXXX  to only receieved a letter stating " There was no actual fraud done '' and that the information ( account ) would remain on XXXX. They even admited in the response that they did not make me aware of what they reported without to the agency without my permission, This is hindering me as buisness and trying to establish financial security for my children. this has been a complete nightmare. I can not open any other bank account at this moment because of this information that is being reported in XXXX  by Bank of America
Product: Mortgage

In XXXX, XXXX the mortgage company filed with the court paperwork about they wanted to move ahead with a foreclosure. 

On XX/XX/XXXX My contact from a local HUD agency forwarded requests from the mortgage company for me to submit personal financial documentation in hopes of offering me a loan modification. This went on for over two months. 

On XX/XX/XXXX the mortgage company offered me a XXXX XXXX XXXX. It assumed that I would make timely payments over the course of 3 months. Once that was successfully completed, they would send me a loan modification. 

On XX/XX/XXXX my attorney informed me that the mortgage company filed a motion with the court to move forward with foreclosure on my house. This is a violation of 12 CFR 1024.41 ( g ) -i.e., taking steps to obtain a judgment and sale of your property while you were currently in a trial payment plan that a borrower had successfully completed. 

On XX/XX/XXXX XXXX XXXX ruled in favor of the mortgage company to move forward with a XXXX 's Sale. No date had been set. 

On XX/XX/XXXX I made my payment for XXXX. It was the final payment of my XXXX Payment Plan. I called my point of contact at the mortgage company. She verified that I successfully completed the TPP and they will be sending a loan modification within 30 days. 

Also on XX/XX/XXXX my attorney filed objections to the Magistrates Decision granting a foreclosure judgment and has already filed a motion requesting a stay of the foreclosure proceedings based on my trial payment plan and expected loan modification offer. 

You can call my point of contact at the mortgage company. Her name is XXXX XXXX. Her phone number is : XXXX ext. XXXX. Her email is : XXXX.
Product: Credit reporting or other personal consumer reports

This account has been settled in full and has a XXXX balance but is reporting as charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  has changed the reporting status of an account included in my  Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on Equifax was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my Chapter  XXXX  discharge.
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, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following personal accounts and collections appearing on my consumer FICO credit report : Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$16000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : {$10000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Current Balance : {$150.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Current Balance : {$2000.00} Date Account Opened : XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud.

I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX XXXX XXXX ] as proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are fraudulent. Additionally, I have included a copy of my consumer FICO credit report maintained by you, highlighting the fraudulent items.

Pursuant to FCRA 605B, I request that these fraudulent accounts, collections, and hard inquiries be blocked from my consumer credit report within 4 business days of receiving this complaint.

Please confirm in writing that these items have been removed or provide a detailed explanation for any refusal to comply. If I do not receive a response within the required timeframe, I will escalate this matter accordingly.

Thank you for your prompt attention to this urgent matter.
Product: Payday loan, title loan, personal loan, or advance loan

credit acceptance charges for me incorrect balances, and put incorrect reports to my credit. this account is supposed to be paid off but they keep adding payments wont close account. i been agreed to close loan when in the first 2 months, my car was in the shop unable to drive. the engine blew out on me. this company is fraud and i need my loan closed and reports removed off my credit immediately
Product: Credit reporting or other personal consumer reports

I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NM XXXX Incorrect XXXX : - XX/XX/1991 Incorrect Name : - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is affidavit of facts, invoice and fee schedule. Since it have been over 30 days as per required by law and FCRA and Experian has not address my disputes the following accounts are to be removed from my credit report immediately and indefinitely due to incomplete, inaccurate and/or unverified information and/or accounts pursuant to FCRA : Credit Acceptance Corporation-Fraud and they have been sued by the attorney generals office and judgment granted XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the following should be removed as well : all address on report are incorrect and are to be deleted address should be : XXXX XXXX XXXX, Trust. 
Office of the XXXX XXXX - XXXX : XXXX, XXXX XXXX. 
c/o General-Post office- XXXX XXXX - XXXX ; XXXX XXXX. 
XXXX XXXX Massachusetts republic for XXXX XXXX [ XXXX ] Non-Domestic without the United States XXXX Zip code exempt- XXXX XXXX XXXX ( XXXX ) ] all inquiries are not inquiries authorized by me all employer info are incorrect and are to be deleted Name is incorrect should be lower upper case XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name MEDICAL DATA SYSTEMS INC Account Number XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of XXXX XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my TransUnion credit report by XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( XXXX ), I am entitled to dispute inaccurate information, and TransUnion is obligated to investigate and correct or delete unverifiable data. 

Actions Requested : Proof of Licensing : Provide verifiable proof that XXXXXXXX XXXX XXXX is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. 

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

Account Name : Dept of Ed TransUnion XXXX XXXX are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you