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

XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX  OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Product: Credit reporting or other personal consumer reports

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX XXXX XXXX XXXX XXXX XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Macys Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card These account have violated my rights. I looked at my Experian credit report XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit report act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). According to 15 USC 1681 5 they are suppose to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 of 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 and according to 15 usc 1681s-2 they are suppose to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 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: Money transfer, virtual currency, or money service

XX/XX/2024 - I submitted a wire transfer from my checking account to XXXX bank for the XXXX money owed for the down payment on our home that we are in escrow for. 

XX/XX/2024 - I submitted wire transfers to the same bank on this date to send the rest of the down payment money owed for closing on our home. This money is due XXXX XXXXXX/XX/2024 to close properly. Chase bank only allows XXXX daily limits on wire transfers, so I scheduled the initial XXXX to be submitted today XX/XX/2024 and the rest of the money XXXX on XX/XX/2024. Chase bank has blocked the wire transfers and I had multiple phone calls with them and they kept telling me to resubmit after they reviewed and unlocked my account. 

XX/XX/2024 XXXX XXXX - XXXX blocked my wire transfer for the XXXX time and now wire transfer submission cutoff has been reached. I am no longer able to wire transfer the money owed for the down payment and XXXX has potentially blocked me from being able to close on the home.
Product: Credit reporting or other personal consumer reports

This query is with the company transunion I have an extended fraud alert on my credit profile Ive asked the company to verify these accounts as well as said inquiries for merchants Ive contacted transunion as well as the merchant over and to do a proper investigation into who keeps filing for credit in my name I do not recognizing said inquiries merchants or accounts
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I am a victim of Identity Theft. There is a Barclays credit card Account Number : XXXX appearing on my credit report that I have never applied for. I am not receiving responses from Barclays and they are reporting to the bureaus that the account is accurately reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Harassment by : Credit Management Company XXXX XXXX XXXX XXXX XXXX  XXXX Owe {$200.00} Act # XXXX Billing Customer : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX agree I owe XXXX and have spoke with XXXX XXXX XXXX no cooperation as to why they do not provide a paper or electronic statement. Their answer is they don't send statements because its a medical bill and they will see my medical history due to hippa law, its not true they have sent me that already they just need to do a billing statement. They keep repeating I need to either pay over the phone with a credit card, or send it to their po box . I had paid XXXX payments XXXX XX/XX/XXXX ck # XXXX & XXXX XX/XX/XXXX ck # XXXX bringing balance to XXXX and stopped because of no statement to show me my new balance. I called again XX/XX/XXXX and was told the same story. I find this absurd that a business gives you a po box to send money to or pay over the phone with credit card with no billing statement. I would like to see my balance and know they are legitimate. I found a lot of complaints online as well. I am being harassed numerous times a week with recorded message. Phone calls have become a invasion and disturbs me at my work place. A legitimate billing statement would work and I can pay this bill. I look forward to your assistance with this as it just goes round and round - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX in Credit Reporting Account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Dear CFPB Representative XXXX XXXX XXXX writing to formally lodge a complaint regarding significant discrepancies in the reporting of an account associated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies appear on my credit reports from XXXX, XXXX, and TransUnion and represent violations of federal consumer protection laws, specifically 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ), which governs the accuracy of information on consumer credit reports. 

Below are the details of the discrepancies and issues : XXXX. Creditor Name Discrepancy : On my XXXX report, the account is listed under XXXX XXXX XXXX XXXX XXXX. 
On my XXXX report and Transunion report, the same account is listed as XXXX XXXX XXXX XXXX. 
This inconsistency creates confusion and raises questions about the accuracy and legitimacy of the information being reported. 
XXXX. Alleged Balance Discrepancy : On my XXXX report, the balance is reported as {$7200.00}. 
On my XXXX report, the balance is reported as {$7600.00}. 
On my Transunion report, the balance is {$7600.00}. 
These differing balances indicate reporting errors and are misleading. 

XXXX. Last Payment Date Discrepancy : On my XXXX and TransUnion reports, the last payment date is listed as XX/XX/XXXX. 
On my XXXX report, the last payment date is listed as XX/XX/XXXX. 
These discrepancies further demonstrate the failure of the reporting entities to maintain consistent and accurate records. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The conflicting information detailed above is a clear violation of this requirement. Additionally, the continued reporting of inaccurate information is a violation of 15 U.S.C. 1681i, which mandates prompt investigation and correction of disputed information. 

XXXX Requested I request the following actions be taken immediately : XXXX. XXXX removal of the inaccurate account from my credit reports with XXXX, XXXX, and TransUnion. 
XXXX. A thorough investigation into these discrepancies to determine their cause and prevent future errors. 
XXXX. Written confirmation that the inaccurate information has been removed and corrected. 

I have attached copies of the relevant sections of my credit reports highlighting the discrepancies for your reference. I expect this matter to be resolved promptly in accordance with the Fair Credit Reporting Act. 

If further information is required, I can be reached at the address provided above. 

Sincerely, XXXX XXXX : XXXX XXXX XXXX Attachments XXXX I have attached a copy from each Credit Bureau that validates XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may be concerned : Upon reviewing my credit report I noticed that the three XXXX XXXX XXXX account # XXXX has many discrepancies from the date in which the account was opened XXXX is reporting the open date of XX/XX/XXXX and Equifax is reporting XXXX.The next issue if the closed date XXXX is reporting the account closed on XX/XX/XXXX however Equifax is reporting that this account is still ( OPEN ) .The account rating in inaccurate XXXX is reporting the account is closed and Equifax is reporting the account is paid.The creditor type is not correct XXXX is reporting this account as Educational and Equifax Is reporting this account as Miscellaneous. The last payment date XXXX reported XX/XX/XXXX and Equifax reported XX/XX/XXXX. In addition, if there is a loan that is being reported the term date has to be listed and XXXX reported 120 term and Equifax reported no terms at all. 

In additon, Equifax is reporting that i have a third XXXX XXXX XXXX account # XXXX in the amount of {$6000.00} it is stating that the open date is XX/XX/XXXX and the closed date is XX/XX/XXXX as well and neither of the other credit reporting agencies is reporting a third loan If this is the same account that is reported by the same creditor in XXXX & XXXX how are these dates different? Due to the apparent neglect in ensuring everything on my credit report is accurate and consistent and up to date as required by the FCRA please " DELETE '' these items IMMEDIATELY. Also another thing that was observed was the fact that if the account is stating that it is closed why is there a payment reported in XXXX? 

Please review the attached information of the three accounts in which I am referring to. 


Thank you for assisting me in this matter XXXX XXXX
Product: Debt collection

They persisted to call and harass me with threats of attacking my credit score.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get a rep on the phone to resolve any of my issues. I was made aware by XXXX that my personal information was leaked to the XXXX XXXX and I have hard inquiries on my credit report and collections that are not mines. I have filed a police report but the credit bureaus are refusing to remove them.
Product: Credit reporting or other personal consumer reports

The statue of limitataions on this account is up. This this type of reporting and furnishing of a inaccurate account on a credit report is violating federal laws under the Fair Credit Reporting Act and Fair Debt Collections Practice Act. - Date Opened : XX/XX/XXXX Making it over the ( 7 ) year limit to furnish or collect on a debt. - Date of Last Activity : Furinshing ( 3 ) differernt Dates, Months, & Years - Late Payment : Year XXXX XXXX [ XXXX ] XXXX [ 120 LATE ] XXXX [ OK ] - THIS ACCOUNT IS A CHARGE -OFF : A CHARGE -OFF CAN NOT HAVE A HIGH BALANCE OR BALANCE - A CHARGE OFF CAN NOT REPORT LATE PAYMENTS FURTHER AFTER CLOSED DATE OR AFTER IF THE ACCOUNT REACHED THE STATUE OF LIMIITATION. If the account was charged- off, I never recieved a 1099 tax form. Violations used against me : 15 U.S CODE 1692 ( g ) Validation of Debt 15 U.S CODE 1681 ( a ) ( 2 ) Permissible Purpose 15 U.S CODE 1681 ( b ) Inaccurate False Reporting 15 U.S CODE 1681 ( e ) ( b ) Collection Must Be 100 % Across All ( 3 ) credit reporting agencies
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly I. 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 recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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 consumers safety.
Product: Consumer Loan

I have been receiving over XXXX calls a day from a Car Finance company that goes by the name XXXX located in XXXX NC. This company has been leaving very detailed information about customers loan status as well as personal information on my business voicemail. I have given the company a verbal and documented Cest and Desist letter. But I 'm still receiving the calls and even text from this company. The reps have stated they were given my business number as a number for personal contact. I know this to be untrue because my number is associated with my small business and the only reason to call it is for questions concerning my business. The numerous calls over and over and at anytime of the day and night is harassing and my next steps involve me contacting my local police department to file a complaint for harassing phone calls. I do not have any financial ties with this company and I would like them to be investigated about why there leaving other customers loan info on my business voicemail.
Product: Debt collection

I have payed this debt in full over a month ago and they're still contacting me and have put derogatory marks on my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I attempted to wire a payment of XXXX to my mortgage servicer ( XXXX  Bank ) from my Citibank checking account to pay off my mortgage. After multiple days of the payment not being received, I went to Citibank to determine the issue. 

I was told at Citibank the wire was put on hold due to " money laundering '' and that I would have to email a set of answers to specific questions before the funds would be released. I asked to have the funds refunded to me immediately and to cancel the wire, but was told that was not possible until I emailed the answers to the questions ( e.g. purpose of wire, who is the recipient, who owns the company, etc. - XXXX is a publicly traded bank... ). 

I emailed the information the same day and was told the money would be returned to be within XXXX business days in full, including a refund of the wire fees. 

Nearly XXXX weeks later I still do not have my money, and am being told the money is still being held for investigation. 

The money in my account had been there for quite a long time and was paid to me from a business that uses Citibank. I have banked at Citibank for nearly XXXX decades and have previously wired money to XXXX Bank for my mortgage. There is XXXX reason why my transaction would be flagged as " money laundering '' I continued to call Citibank to resolve the issue and keep being told the money will be returned shortly, but I can't get ahold of anyone who works on the issue, or an exact date of when I'll receive my money. 

The fact that I can't have my own money returned to me or get anyone to tell me what is going on while they hold my {XXXX} is bewildering. This has cost me XXXX of dollars in continued interest with my mortgage servicer and dozens of hours of headache trying to resolve the issue. 

I ask the CFPB to please help and force Citibank to return my money and stop ignoring my requests.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 
XX/XX/year> Social Security NumberXXXX Subject : Request for Verification To Whom It May Concern, I am writing to dispute the following information on my credit report. The items I dispute are also circled on the attached copy of the credit report I received. I am formally requesting you to Verify the accuracy of this account ( s ) as directed in the FCRA 15 USC 1681 e ( b ) which states - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Account Names & Number ( s )  : XXXX ( XXXX ) Your failure to provide the requested information within XXXX  days of completing your investigation is a violation of the FCRA and subjects you to potential legal action for non-compliance. 

Be advised that any vague or non-specific explanations, such as verified through our automated system, are unacceptable and non-compliant with the FCRA. 

If the disputed information can not be verified, the law requires you to promptly delete it from my credit report. If you do not cease reporting these items, I will consider taking further action to ensure compliance, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and potentially initiating legal proceedings. 

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue all legal remedies to ensure these rights are upheld. Your prompt attention to this matter is expected. 

Sincerely. 

My contact information is as follows : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
**Enclosed** - A Copy of valid driver 's license/state ID/passport, SSN card, and proof of residence & a copy of the page on your credit report with the disputed items circled.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/2024, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.