23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have tried to reach out to all bureaus again and got a response on XXXX from only transunion and nothing has changed and after pulling my report again I still see no change.

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

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I woke up this morning and had an alert from XXXX that chase had run my credit and placed an inquiry on my report today XXXX when in fact I never applied for a card. Please look into this and ask chase what the address was that was used. I did not ask chase to run my social. This is fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block of Information Due to Identity Theft Under FCRA 605B Dear Sir/Madam, I am writing to formally request the immediate block of information on my credit report related to accounts and inquiries resulting from identity theft. This request is made pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

XXXX XXXX XXXX  ACCOUNT NUMBER XXXX DATE OPENED XX/XX/year> According to FCRA 605B, you are required to block the reporting of the aforementioned fraudulent information within four business days of receiving this request. I kindly ask that you send me a written confirmation once this action has been completed. 



If you require any additional information or have any questions, please feel free to contact me at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed a fraud account listed on my credit report due a EQUIFAX data. Breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid total balance due on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not get verbal or Written consent to place any credit reports on my credit. I also tried to resolve this matter by contacting each creditor but they fail to comply with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I electronicially demanded that XXXX, XXXX XXXX and XXXX  immediately remove negative information which is now affecting my rental home. I may lose my home due to the illegal reporting from VW. It now well over 30 days and I contacted XXXX, XXXX XXXX and XXXX  to remove the negative information reported by VW Credit Initial Acct. XXXX VIN XXXX. All 3 credit bureaus are refusing to remove the negative item related to the VW negative information.

The business with VW is illegal in the first place. I was sold a car resale whereby XXXX  dealership never serviced to the car, yet handed the car to me. This XXXX  car had to be picked up by XXXX  dealership after only 2 and 1/2 months. The car was not driving. Then, XXXX after getting paid thru varied insurance policies had nerve to sell the contract to a Debt Collector for pennies on the dollar and then in ill will - put on my credit report a Repossession WITHOUT MY WRITTEN PERMISSION. I was never issued a NOTICE OF FURNISHING NEGATIVE INFORMATION and I never signed a NOTICE OF FURNISHING NEGATIVE INFORMATION I am well aware that as of XXXX - Fair and Accurate Credit Transactions Act of XXXX was put in place to protect consumers like myself to protect against bad good faith business who initiate contracts involving illegal activities such as reselling cars that are never serviced and sold defective. VW does not have anything in writing from me reporting ANYTHING negative on my credit report. I have asked VW, XXXX, XXXX, XXXX  to provide me proof that I signed ANYTHING permitting VW to report negative information. In the past 30 days as of XX/XX/XXXX, all 4 companies have not performed in providing anything signed by me stating NOTICE OF FURNISHING NEGATIVE INFORMATION - VW is reqiured to me the following statement " WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. '' Their refusal to remove their negative reporting is not affecting my housing right - under Fair Housing Act, Civil Rights Act of 1964, Civil Rights Act of 1968. VW Credit failed to obtain my written authorization under Fair and Accurate Credit Transactions Act of 2003 - VW is required to provide me above statement as prescribed by Section 217. 

I need XXXX, XXXX, XXXX  and VW Credit to remove immediately the unlawful rereporting which does not complay with Fair and Accurate Credit Transactions act of 2003 prescribed by Section 217. 30 days have passed - all three credit bureaus want to dsipute AGAIN! This needs to stop. I am losing my rental home due to this illegal marking. They failed to get my permission in writing - as required by Fair and Accurate Credit Transactions Act of 2003 prescribed by Section 217. I can not lose my home due to VW Credit, XXXX, XXXX andXXXX electing to bully, harrass and descriminating against me by refusing to remove this negative marking,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Product: Debt collection

I recently lost my wallet this spring with all of my personal information included. This debt collection appeared on my credit in XXXX, but was opened in XXXX. The address of where the collection is from is XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri. Phone # is XXXX. When I looked up this address, it did not match the one listed here. I have never been in Missouri and none of the information is mine.
Product: Checking or savings account

I have a tax lien showing my account was hacked and dispute XXXX from the contract showing the account has been issued with a management from there side and the resolution team has not updated the credit report with the bank showing the account was hacked and involve the H & R Block with the dispute team from the manager with IRS from XXXX XXXX showing the account superceeded the amount and delayed the payment from the hacked account from XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The victim discovered on XX/XX/XXXX on his XXXX report a fraudulent XXXX XXXX XXXX XXXX account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his XXXX report 8 years later in XX/XX/XXXX and on his Equifax report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with XXXX  XXXX XXXX and XXXX, which had led to no results after months of efforts. His XXXX report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the Equifax data breach back in XXXX, and in XXXX during the XXXX XXXX pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of Bank XXXX XXXX and XXXX, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.
Product: Credit reporting or other personal consumer reports

A collection agency XXXX XXXX reported a false collection to both XXXX and Experian. This company tried to put it on my credit ( 2 ) years ago with XXXX and I disputed it and it was removed. Experian saw it on my report with XXXX and added to my credit on their site. So therefore I disputed with them. I found out today that they were not removing it. I called them to find out why it was not removed and they said because XXXX collection Agency responded to them. I said how and with what supporting documentation? They said that they sent them a form and they filled it out and responded so they deemed it accurate. I told XXXX with Experian that this is not a valid collection and I would like proof why they are saying it is valid. I know I do not owe this company any money and after researching I see that this company has done this to many people that never had the accounts that they are stating they have. I would like them to provide the documentation that they have been given by XXXX XXXX XXXX. Because this is not right and should not be on my credit report. Please help.
Product: Checking or savings account

Chime closed my account with no warning almost 6 months ago. A XXXX  later I asked for my funds. They asked for proof of my new address. I supplied it within a day. They never sent the check. I again requested a check. They asked for the same information, I provided it immediately. Check still didnt arrive. A month later I asked again. They asked for the same information for the third time. This has been XXXX  months and XXXX emails. It is only {$200.00}. I am really getting frustrated and I am getting nowhere. CHIME
Product: Credit reporting or other personal consumer reports

I am disputing the unauthorized hard inquiries on my credit report, which are inconsistent with 15 USC 16c-2. Please remove them to correct this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I submitted an electronic payment for my XX/XX/2019 mortgage, which PNC did not receive until the XXXX of the month. PNC charged me a late fee of {$130.00}. I had already sent in my payment, which included extra principle payment over my required amount. PNC took my extra payment and applied it to the late fee they assessed. 

I called PNC to request a late fee waiver, since I am eligible to have one. I was told that since the fee was paid there is nothing due and they won't refund my {$130.00} or apply it to my mortgage principle as I intended. PNC said it was keeping my money.

PNC took my money and is hiding behind a technicality to withhold my money. I pay on-time except for one late payment over a year ago. I pay more than the required amount each month. PNC is alienating one of their reliable customers over this fee.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, and so on.
Product: Credit card or prepaid card

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, CAPITOL ONE BANK, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX, XXXX XXXX, XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on XXXX  occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 
I want them to zero out the account with the company or pay {$5000.00} in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled numerous complaints with XXXX and XXXX  and XXXX yet all of them have different information. I have cleared up 3 issues which 1 was a fraudulent issue one was a prior complaint I sent to you because I couldnt get them to resolve it and another was my sister was a user on a card a passed
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXXXXXX XXXX Balance : {$290.00} ; XXXX  XXXX  XXXX Balance : {$710.00}.
Product: Credit reporting or other personal consumer reports

chapter XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX XXXX XXXX Bankruptcy XX/XX/XXXX I have multiple bankruptcy that has been added to my credit report that are not mine. I have sent a letter to the court asking why these bankruptcies under my name and was informed they did not provide this information to you all. I believe this is for another person and I am requesting that you al remove this information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The day last active and the day last reported are all different
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, XXXX and XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where all three companies listed : Experian, XXXX and XXXX has neither corrected nor removed or amend the disputed accounts, as their inaction violates federal law and my rights as a consumer
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Dispite Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co-buyer ( myself and my son ) of a XXXX XXXX Vehicle financed thru ALLY FINANCIAL, using my credit and my son making the payments. I thought I was a co-signer ( later realizing I was not ) and my son and I had a disagreement regarding his late payments, insurance, etc on the truck. 
I tried to surrender the truck to Ally, but they refused. I later ran into financial difficulties and I had to file XXXX  XXXX bankruptcy on XX/XX/2021, it was discharged XX/XX/2021. Ally continued to report late payments and a balance owed on my credit report after the bankruptcy. I contacted them by e-mail a couple times only getting a response stating to call them ( they apparently do not like to supply written responses ). 
I contacted the credit bureaus ( XXXX, XXXX and XXXX ) and filed disputes. 
XXXX 's response was that ALLY verified the debt and they kept it on my report.
Product: Money transfer, virtual currency, or money service

I previously requested Coinbase close the account that is associated with me to stop fraudulent activity. 

I still have not received confirmation of these actions. As I stated before to Coinbase, I do not have access to the Coinbase account and fraudulent transfers from my XXXX XXXX XXXX into this account has continued. My account that I have no access to due to it being compromised was used for unauthorized transfers from my XXXX XXXX XXXX account on XX/XX/XXXX in the amounts of {$20000.00}, {$15000.00} and {$5000.00} and on XX/XX/XXXX in the amounts of {$17000.00} and {$12000.00}. 

I did not authorize anyone else to use my account in any way. 

I notified Coinbase of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute to XXXX, XXXX, and Transunion on XX/XX/XXXX and have never received a response.