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

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX. XXXX XXXX They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

The reason for my dispute is because Ive been trying to dispute charges on my Chase Bank credit for {$2500.00} for charges paid to XXXX XXXX XXXX last XX/XX/2017. But I did not receive all the services that I purchased, I have tried to reach the merchant to get my money back, but I havent been able to reach them. I need your help getting my money. I paid them to create Social Media websites such as XXXX, XXXX, XXXX etc.., Coaching once a week and a Commercial Video. 
I answered a telemarketing call ; the sales representative used high pressured sales tactics and persuade me into thinking that it was crucial that I connect my online business website with the social media sites and by doing so it would connect links to my site and generate a great deal of business. He said it was key to achieving a successful online business. 

XXXX XXXX XXXX XXXX. misrepresented themselves and I now realize that this is yet again another scam and I was seriously taken advantage of by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Santander numerous amount of times about them reporting incorrectly. I reached out to the XXXX about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. 
As stated before i have reached out to Santander multiple times and they are very rude and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time reaching in regard to XXXX. EXPERIAN, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX California XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of XXXX XXXX under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by Ghidotti and Berger on behalf of fraud. 

I filed further complaints and showed CFBP filed action against XXXX XXXX for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXX XXXX  and XXXX XXXX and Ghidotti and Berger law firms have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. 

I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.
Product: Credit reporting or other personal consumer reports

I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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

I am XXXX XXXX XXXX who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance : {$3900.00} XXXX XXXX XXXXBalance : {$2300.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$3600.00} U S DEPT OF ED/XXXX XXXXBalance : {$5700.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$5300.00}
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this afternoon, and I have no clue how they got there. I routinely check my credit report, and this time there were sudden discrepancies. I even refreshed my browser to see if it was a glitch, but the errors remained. These incorrect accounts stayed put, leaving me worried. I kindly request that the documents I submitted be reviewed thoroughly, so I can put this XXXX  behind me for good.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureau numerous times to delete the personal inaccurate names on my credit report. I submitted a copy of my driver 's license and social security card ; as well. Those inaccurate names still have not been deleted per my request. 15 USC.s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Inaccurate names to be deleted : XXXX XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

I paid an account that was charged off with this loan company in full on the pretense that my account would be deleted once payment was made. This company refuses to honor what was told to me over the phone by their loan specialist XXXX. I confirmed twice with their loan specialist that my account would be deleted. She even mentioned a manager XXXX I'm assuming she must of confirmed with him my charge off would be deleted. Now they refuse to remove the charge off saying that they did a investigation which is not true because if they truly investigated it would be determined that indeed I was told my charge off would be deleted. No such investigation took place because I have been asking for the details of this investigation and they refuse to give it to me. How can an investigation be performed if this company doesn't record their calls they so claim. It doesn't make sense. I want to know how was their investigation performed by a district manager that was stated in my last complaint..i should know how they came to the conclusion that I was not told my charge off would be deleted..I was just told whatever to fraudulently get my money to settle a debt. This company lacks integrity and should be reported..also I heard this is common practice with this business because I found out they said the same thing to someone else I know that their account would fall off too. Just lies. I'm going to continue to pursue this matter until this is resolved. Once again I want to know how can an investigation be completed if the company says their calls are not recorded
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX, I tried to unfreeze my credit with Transunion. After logging in and unfreezing, I received the following " The TransUnion Credit Freeze Service is temporarily unavailable '' and could not unfreeze my credit for an important transaction. I called Transunion at XXXX to initiate the unfreeze and was told there was a problem and they could not unfreeze my credit. No other help was offered by Transunion.
Product: Money transfer, virtual currency, or money service

I was offered a job and the company sent me a check to deposit in my bank account. The next day, I was coax to send part of the money through Zelle to a vendor that would supposedly buy the software I would need for my accounting job that I was offered. After sending the money as directed, my cousin that I was in contact with told me it might be a scam! I filed a complain with Zelle an affiliate with my bank to alert them. I notified my bank and a hold was placed on the transactions.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit card or prepaid card

I went to withdraw {$900.00} from a Bank of America ATM with my XXXX card on XX/XX/2020 Sunday around XXXX and it didnt dispense nothing out of the ATM, no money, nothing. So I checked my account after and it said I did withdraw the {$900.00}. I called and made a claim on Monday XX/XX/2020. 
The location was XXXX XXXX XXXX is XXXX XXXX XXXX XXXX CA XXXX No update yet on the claim and I have been calling every day now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : DEPTEDXXXX XXXX Balance {$0.00} ) Collection : US DEPT ED XXXX XXXX {$310.00} ) XXXX XXXX Balance {$120.00} )
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these accounts from my credit reports. 

1. ) XXXX Account Number : XXXX 2. ) XXXX XXXX  Account Number : XXXX 3. ) XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. Please correct it ASAP! 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received the following notification from CapitalOne : During a regular account review, we noticed youve only been using a portion of your credit limit. 

To better fit your card usage, weve reduced your credit limit to $ xxxxx. 

Weve kept your credit limit significantly above your highest balance over the last 2 years to ensure you can use your card as you have been, while providing flexibility for future spending. 

Everything else on your account will remain the same, and well follow up with additional information by mail. 

Thanks for being a Capital One customer. 


Credit Score is impeccable, and we've never been late or defaulted in any way. We use other cards with rewards, and don't keep a balance to avoid fees. This seems like they're desperate and wanting to enslave people by scaring them into using their cards, and keeping a balance. We're not going to use their card more, but do just the opposite because of such antics. 

I think this is a predatory action taken by CapitalOne, and should be looked into. Thanks!
Product: Checking or savings account

I own a Savings accounts with the Discover Bank. In the past two weeks, my account was locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time I would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, I request that CFPB to urge the Discover Bank to take immediate action in resolving the issue.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX I send XXXX dollars from my bank account to XXXX using XXXX my receipt in XXXX was unable to collect the money so on the XXXX of XXXX I canceled the transaction and requested a refund they say I must wait ten days offter ten days no refund I call and wait another ten days still no refund today is the XXXX  days of XXXX still getting no where with XXXX to get my money back please help me I am a XXXX XXXX  from XXXX and I just have a few weeks left on my work visa I don't know what else to do to get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting ( 2 ) collections in the amount of {$25.00} partial account numbers XXXX and XXXX. ( Please see page 13 of the attached credit report. ) These collections are allegedly from doctors visits last year for when a baby was delivered. I did not have a baby last year. My last name used to be XXXX. They have me confused with someone else whose last name is XXXX and has gone to the same hospital I had gone to in the past. These collections are not mine. I have contacted the bureau to have this line item removed from my credit report, however I have been unsuccessful. This incorrect reporting is harming my credit score and these line items need to be removed.
Product: Credit reporting or other personal consumer reports

I'm trying to dispute multiple accounts on my Equifax Credit Report through their web portal. On their web portal is a message that states : *Note that if you are inactive for 15 minutes when disputing additional information, you will lose any progress you have made on the information you are currently disputing This is very inconvenient as if you time out, you must restart the dispute process all over again! How is this fair or legal. I'm only able to dispute a few accounts and submit to beat the timer but I don't have time to review the information they have on file for me which forces me to rush. You can only submit one dispute at a time and now I have to wait for this investigation to conclude before I can submit more. 

This is just another ploy to keep consumers from disputing their inaccurate credit reports.