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

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate account resolved. The consumer CFPB has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to provide evidently furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed disputed items despite the evidence Ive provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
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 discrepencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency us unacceptable and raises serious concerns about the consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX
Product: Credit card

I have a line of credit, XXXXcredit card with M & T Bank . I lost my credit card on XX/XX/2024. I called to speak to a customer service representative to report the card lost. I spoke with a representative to review a list of charges before sending me a new card. I lost my card on XX/XX/XXXX. When the representative went to review the summary of charges, they found a transaction for {$5700.00} from XXXX XXXX was charged on my card which I did not authorize on XX/XX/2024. ( XXXX days after it was noted that my card was lost which was XX/XX/2024. I did not receive a fraud alert notification for the transaction of {$5700.00} from XXXX XXXX. I did not receive any fraud alert via email or text about this transaction. Because of this, this fraudulent transaction was allowed to go through without my knowledge. I was not able to reject and deny the transaction because of the lack of alerts. M & T Bank initially went through with my fraud claim. A customer service representative I spoke with over the phone told me that the charge would be reversed and credit would be granted. The fraud claim was later rejected. This was different and opposed to what was originally assured to me. This is my 1st fraud claim with M & T Bank. Transactions like these should have fraud alerts to notify the cardholder. Unfortunately, M & T Bank never gave me one. The charge is unusual and uncharacteristic with the history of charges made on my M & T Bank credit card. I have not ever made CC charges with the XXXX XXXX merchant in the past. The unauthorized fraud charge of {$5700.00} from XXXX XXXX is back and still on my M & T Bank CC account. This unfortunate circumstance is a huge inconvenience to me. If this situation isnt, handled properly I will never bank or do business with M & T Bank again.
Product: Credit card or prepaid card

An overdraft cash advance fee was charged in error after making a deposit into my checking account and selecting an express funds availability option, funds were not made expressly available and an overdraft cash advance was initiated against my credit card.
Product: Debt collection

On XX/XX/2024 under complaint XXXX, I disputed the alleged debt being collected by Wakefield and Associates XXXX Wakefield and Associates provided no response within the required 30 days to validate & verify the debt. On a letter dated XX/XX/2024, Wakefield and Associates finally responded to the debt claiming verification. Furthermore, documents are missing from the provided report, as the report states " page XXXX of XXXX '' but there are no other pages included with the letter. This response is excessively beyond the required 30 days to respond with verification and validation of the debt under Fair Debt Collection Practices Act ( FDCPA ). I demand that Wakefield and Associates therefore cease and desist all collections activity, including reporting any alleged debt to any and all of the credit reporting agencies. Any further attempts by Wakefield and Associates or their client per the provided collection agency report " XXXX XXXX XXXX XXXX '' will result in legal action and include the complaints submitted and their only written response.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is ( XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX  is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and Experian only says that the XXXX XXXX XXXXn says the account is correct, without asking or verifying if the account is correct, XXXX XXXX XXXX must provide correct account verification to Experian and the other credit bureaus, and only report false information and the Experian only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and XXXX XXXX XXXX XXXX is damaging my credit with false information, Experian is part of the game of XXXX XXXX XXXX they just believe what collection agency says, Experian asked me verified the account like not mine, but there is no way i can proof sometime is no mine.
Product: Credit reporting or other personal consumer reports

As I was checking out my credit profile I came across some inquiries that didn't belong to me.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : - XXXX XXXX BANK XXXX Balance : - XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date Opened:XX/XX/2022Balance : $ XXXX Late Date XXXXXX/XX/22TD BANK N.A. XXXX Balance : {$78.00} Date Opened : XXXX Open Late Date XX/XX/18
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Debt collection

The collection agency and original creditor to not report my account to the credit bureaus in the exchange for XXXX equal payments of {$110.00}. After the first payment and before the second payment the collection agency reported the account to the credit bureaus.
Product: Credit card or prepaid card

JCP Mastercard increased the APR interest rate to XXXX Percent without notification. This act caused the account to go over the credit limit. This in turn caused my credit worthiness to decrease and my FICO score to decrease to an unfavorable number score. Since 1999, I have been with the card. I have never been late in payments, have always paid more than the minimum payment. I asked JCP Credit Synchrony bank to increase the credit limit to off set the extremely hight interest rates that took the account over the limit and they rejected the request. I also asked them to consider lowering the interest rate and they also declined. 
This is usury. They increased the interest rate by more than 20 points. They did not sent a notice of the increase although they knew that I was closed to the credit limit. 
This over the limit amount was caused by the interest rate increase of XXXX and XXXX and XXXX that posted to the account.
Product: Credit reporting or other personal consumer reports

see previous CFPB complaint XXXX and attachments. 
Chexsystems created an unwarranted report based only on XXXX banks having merely checked Chexsystems to see if there was information there, ( I had applied recently for accounts at XXXX XXXX and XXXX ). They also gave XXXX an unbelievably low score in the XXXX 's. Then they blocked, ( and are still blocking, see attached ) ) dispute on their portal, ( to evade admissible documentation of such dispute ), telling me to go off record and telephone them. 
After the previous CFPB complaint they sent me in the mail a new report with the XXXX and XXXX XXXX queries erased and a new score in the XXXX 's ( score attached ) but still insist on a Chexsystems report itself being in existence based on mysterious references to ( queries ) They refuse to close the report. 
*Chexsystems counsel please do not include irrelevant obfuscating information in your response, just clear succinct sentences so as not to irritate Senate Banking Committee or Comptroller investigators trying to follow. Please note that lawyering the response to evade correction of the error will simply create another CFPB complaint, and another, and another, and another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting Reinvestigation be done on these accounts because it was not done properly. These accounts can not have been properly investigated because they are Closed accounts being reported as Open month after month. This is a violation of my federally protected rights and it is wrong for the Credit Bureau to allow these companies to continuously report these accounts delinquent every month. This is knowingly reporting Inaccurate information every month, therefore it must be deleted. That's why I'm asking for a reinvestigation In Accordance With the Fair Credit Reporting Act of these accounts : XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX Account # XXXX, XXXX XXXX, Account # XXXX, XXXX, Account XXXX XXXX, XXXX XXXX, Account XXXX XXXX, XXXX XXXX XXXX, Account 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, which i did not give them. 15 USC 1681 Congressional findings and statement of purpose. 1681i, Procedure in case of disputed accuracy. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ; ( 5 ) Treatment of Inaccurate OR Unverifiable Information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S.C. 1681i, Procedure in case of disputed accuracy. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( d ), the person that provided the information in dispute to a consumer reporting agency shall ( iv ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency and correction to that information that is necessary to make the information provided by the person accurate. These accounts are not accurate and they must be deleted.
Product: Checking or savings account

I filed a dispute for money that was taken out of my account when I was XXXX and provided proof that I was XXXX and the bank keeps denying my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent three dispute letters to the creditors and they never sent back documentation that I asked for regarding accounts that appear on my credit report
Product: Debt collection

I sent a letter asking the company to validate the account on XX/XX/XXXX and they sent me a bill from the original creditor with a XXXX balance. They are still requesting me to pay XXXX and they are still reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all 3 credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromExperian, I noticed an unauthorized inquiry made by your company XXXX XXXX on ( XXXX ) XXXX. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX  for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, XXXX and transunion. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this claim against Equifax XXXX XXXX. I have contacted them and filed disputes because they are reporting an incorrect address under my name. I have told them multiple times and sent my w2 as proof of the correct address and they still won't update it. I want them to do their jobs and report my address correctly! Also, they have listed 2 collections accounts under my name. They are NOT mine! I have told them over and over! The address isn't right and the collections aren't mine. I demand a deletion of this incorrect information